Paze Checkout: Wells Fargo Brings a Simpler, Safer Way to Pay Online

Online shopping just got easier. Wells Fargo is now rolling out Paze, an innovative checkout solution that streamlines the entire purchasing process while keeping customer financial data more secure. The new payment method is available to all Wells Fargo cardholders with eligible credit and debit cards.

What Makes Paze Different?

Traditional online checkout forces customers through repetitive steps—entering card details repeatedly, creating new accounts, remembering passwords—a process that’s both time-consuming and risky. Paze eliminates this friction. Instead of exposing your actual 16-digit card number to merchants, the system generates a unique token for each transaction. This means your card data never touches the retailer’s system.

Activating Paze takes seconds. Customers can set it up directly through the Wells Fargo Mobile app or at checkout on any participating merchant’s website. No downloads. No password management. No hassle.

How the Checkout Flow Works

The experience is designed for speed:

• Locate the Paze button during checkout
• Verify your identity by entering your email address
• Receive a one-time passcode on your registered mobile number for confirmation
• Select which card from your Paze wallet you’d like to use
• Complete your purchase

This four-step process replaces the traditional approach of manually entering payment information, remembering saved credentials, or creating merchant-specific accounts.

Security Through Tokenization

The real innovation lies in how Paze handles data protection. By replacing your card number with a tokenized alternative, the actual digits never reach the online store. This tokenization approach significantly reduces fraud risk and prevents data breaches from exposing your banking information.

Abeer Bhatia, head of Enterprise Payments and Personal Lending at Wells Fargo, highlighted the strategic importance: “As more people are making purchases from their phones and laptops, it is paramount to make the experience of checking out online as convenient and safe as possible for our customers.”

Broad Merchant Support and Consumer Reach

Upon launch, more than 150 million debit and credit cards become available through Paze across participating retailers, restaurants, and online merchants. The solution addresses a long-standing pain point in e-commerce: the guest checkout nightmare where users repeatedly enter the same information.

Catherine Murchie, head of operations for Paze, explained the vision: “From grocery shopping to impulse buys and major purchases, people across the country are enjoying the convenience of online shopping every day. But too often, they are asked to do so by completing countless fields during guest checkout. By working with industry-leading bank partners, Paze brings simplicity and privacy without the need to manually enter credit or debit card numbers.”

Who Should Use Paze?

Anyone with an eligible Wells Fargo debit or credit card can benefit. The solution is particularly useful for frequent online shoppers tired of re-entering payment information, security-conscious consumers worried about data exposure, and mobile shoppers seeking speed and convenience.

Enrollment in Wells Fargo Online is required, and Paze works across participating merchants at checkout. The service is not available for in-person purchases at physical store locations.

What’s Next for Online Payments?

Paze represents a shift in how banks and fintech companies approach the checkout experience. By combining all eligible cards into a single wallet and eliminating manual entry, the solution addresses both security and user experience simultaneously—something traditional payment methods struggle to do.

As e-commerce continues to grow, solutions like Paze that prioritize both protection and convenience will likely become industry standards. For Wells Fargo customers ready to upgrade their online shopping experience, activation is just a few taps away.