---
updatedAt: 2026-07-24T21:31:14.000Z
agentTools:
  projectIndex: https://developer.paze.com/public/llms.txt
---

# Overview-backup-delete-later

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    <h1>Paze on File</h1>
    <p>
Paze&#174 on File is a secure card-on-file solution that enables merchants to save a customer’s selected Paze payment credential for returning purchases.
    </p>
</br>
    <p>
For subsequent purchases, the saved Paze card can be presented as a payment option within the merchant checkout experience.  By integrating with Paze on File, merchants can offer returning customers a faster and more seamless checkout experience across web and mobile channels. 
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<div style="text-align:center; font-size:1.75rem; font-weight:bold;">

   How it works
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<p>

  Paze offers Merchants a simple, and convenient way for their customers to provide them with checkout information. A Consumer’s Paze Wallet contains payment, contact and shipping information.
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<p>

  In practice, <strong>Paze on File</strong> enables merchants to securely save a consumer’s selected Paze payment credential for future use without requiring a token swap. &nbsp;&nbsp; During checkout, merchants can indicate their intent to save the selected Paze card by enabling the ‘pazeOnFile’ option in the Complete request.  Paze then returns a unique PazeOnFileId within the secure payload, which the merchant stores and later uses to retrieve payment credentials for returning consumer transactions.
</p>
 
<p>When selected, the merchant calls the Paze on File Business-to-Business (B2B) API using the stored PazeOnFileId to request a new secure payment payload. The API supports both Consumer Initiated Transactions (CIT) and Merchant Initiated Transactions (MIT). CIT requests return a payment token and cryptogram, while MIT requests return a payment token without a cryptogram. 
</p>
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* Consumer consent is required to save a card from Paze on file with the Merchant. Prior to enabling Paze on File for any transaction or card storage, Merchants must ensure that they collect consent from a consumer to save a Paze card on file in accordance with applicable law, rules and regulations.
* Contact and shipping information can be updated or augmented over time as a Consumer shops with Merchants that accept Paze. Customers may also update their contact and shipping information directly with their Issuer.
* Paze on File is supported across the Web SDK, Mobile APIs, and Merchant B2B APIs

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</br></br>
<section class="section">
  <h2>Paze on File placement</h2>
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        src="https://files.readme.io/8b4f061283fa1fa1001a00abfce0f2a37f00de572587fcddd95cd5f29d3b42ed-PazeOnFile_returning.png"
        alt="Phone showing Paze on File checkbox"/>
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    <div class="feature-text">
      <h3>Save this card</h3>
      <p>Checkout experience displaying a saved Paze payment credential with an 'opt-in' for the consumer to securely save their selected card for returning consumer purchases.
      </p>
      <p>By selecting the “Save this card for faster checkout” option, the merchant can enable Paze on File to streamline returning consumer transactions and provide a faster returning-user checkout experience.			
			</p>
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</section>
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        alt="Phone showing Paze on File in use"/>
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      <h3>Checkout</h3>
      <p>Checkout experience showing a securely saved Paze payment credential available as a reusable payment option for returning customers. 
      </p>
		  <p>The merchant presents the saved card alongside other payment methods, enabling faster and more seamless checkout
      </p>
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<Image src="https://files.readme.io/380bf90edb419c409e0d24327b3d2f7b947830bdf28256976e030e069f2508a7-r&p.svg" align="center" />

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