What is Paze® and how does it work?

Paze is a way to check out online offered by major financial institutions, including Capital One. It gives customers a way to make online purchases without entering their actual card numbers or downloading a third-party payment app.

Keep reading to learn more about Paze and the benefits it offers Capital One customers.

What you’ll learn:

• Paze is offered by Capital One and other participating banks and credit unions.

• Paze allows you to make online purchases without sharing your actual card number with merchants.

• Checkout with Paze is fast and easy since you don’t need to download a new app or set up a new username and password.

• With Paze, you can access your eligible payment cards from participating financial institutions without manually entering or updating your card information.

Paze is a free way to check out online that shoppers can use at participating merchants. It allows you to use eligible credit and debit cards from participating financial institutions, including Capital One, without entering your actual card number at checkout.

Additionally, Paze isn’t a separate application you need to download to your device. Instead, you can use Paze anytime you see it as a checkout option at an online merchant.

Here’s a look at the Paze checkout experience:

1. When you’re ready to check out at a participating online merchant, you can either enter the email address associated with your Capital One account to launch Paze or select the button with the Paze logo as your checkout option.

2. If you haven’t activated Paze yet, you’ll be prompted to verify your identity by entering a one-time SMS passcode and the CVV number of one of your eligible cards.
   
   Tip: You can more easily activate Paze by signing in to your Capital One account online or in the mobile app.
    

3. Your eligible credit and debit cards from Capital One and other participating financial institutions will be listed for you to choose from. Select the card you’d like to use.

4. Confirm or update your information, then complete your online purchase.

5. Using a technology called tokenization, Paze replaces your actual card number with a unique number that’s linked to your credit card account. This provides added security for your transaction because your actual card number is never shared with merchants.

Here are the top reasons why cardholders might consider using Paze to check out online:

Paze is both convenient and easy to use. For instance, with Paze:

• Your card information is updated automatically: Because Paze is linked to your credit card account, your financial institution will keep your card information up to date in your Paze digital wallet when your actual card is reissued or replaced. This helps reduce the chance of accidentally trying to check out with an expired card.

• There’s no separate app to download or set up: That means there is no new Paze username and password to create, and there’s no need to manually add cards to Paze since eligible cards will be automatically added to your Paze digital wallet.

• Your cards are in one place: Paze allows you to seamlessly choose from the eligible cards you have from all participating financial institutions.

Paze offers added security for online checkout. Here’s how:

• Paze keeps your actual card numbers private: Paze uses tokenization so your actual card numbers aren’t shared with merchants.

• Paze verifies your identity: Paze uses two-factor authentication to verify your identity during the checkout process.

• Paze comes with your Capital One account: With Paze, you don’t need to share your sensitive information with a third-party application. Plus, you can activate Paze and manage the Capital One cards in your Paze digital wallet at Capitalone.com or in the Capital One Mobile app.

Here are answers to some frequently asked questions about Paze:

Paze offers customers the convenience of a digital wallet without the need to download a separate app or create a new username and password. Because it’s offered by major financial institutions, like Capital One, you can easily check out with Paze using the email address linked to your bank account—while your actual card numbers remain hidden from merchants.

Ready to use Paze with Capital One? Learn more about Paze and activate it today.