Payfinia and Deluxe have announced a partnership to expand access to the Paze® digital wallet, developed by Early Warning Services and offered by major U.S. banks. The collaboration aims to embed Paze across the payment ecosystem, enabling Independent Software Vendors (ISVs) to integrate the wallet into their platforms and helping merchants and community financial institutions modernize their checkout and payment offerings.
Payfinia and Deluxe partner to expand access to the bank-backed Paze digital wallet.
The collaboration enables Independent Software Vendors (ISVs) to embed Paze directly into their software platforms via Deluxe's payment gateway.
Payfinia will help community banks and credit unions enable Paze for their cardholders.
Deluxe will empower its broad merchant base to accept Paze payments at checkout.
The goal is to provide a modern, secure, password-free checkout experience for small businesses and their customers.
The partnership addresses both sides (issuer and acquirer) of the payment ecosystem to drive adoption.
A key focus of the partnership is empowering Independent Software Vendors (ISVs)—companies that build commerce, billing, and industry-specific software platforms. Through Deluxe's payment gateway and network, ISVs can embed the Paze wallet into their applications as a payment method. This provides a "turnkey" solution, allowing software platforms to offer a modern, bank-supported checkout experience without having to manage complex issuer relationships or wallet integrations themselves.
The partnership strategically addresses both the issuance and acceptance of Paze payments. Payfinia will work with community financial institutions (credit unions and community banks) to activate Paze's digital wallet services within their own online and mobile banking apps for their cardholders. Simultaneously, Deluxe, as a Paze merchant partner, will enable the millions of small businesses in its network to accept Paze as a payment method at checkout. This two-sided approach is designed to create a network effect, driving utility and adoption.
Executives from both companies highlighted the collaboration's role in modernizing digital commerce. Keith Riddle of Payfinia noted it strengthens Paze's presence "across both sides of the transaction" to enhance security and expand payment choice. Brian Mahony of Deluxe emphasized the value for ISVs, stating the partnership allows them to "embed Paze into their platforms using our payments infrastructure" without taking on additional operational burden, enabling them to deliver "trusted, modern payment experiences at scale."
The partnership between Payfinia and Deluxe represents a strategic move to accelerate the adoption of bank-backed digital wallets like Paze in the fragmented small business and software platform market. By lowering the integration barrier for ISVs and simultaneously activating issuers and merchants, the collaboration aims to create a more seamless path for Paze to become a ubiquitous payment option. This could significantly influence the competitive landscape of digital wallets, providing a trusted, bank-alternative to other wallet providers by deeply embedding the technology into the software that businesses already use.
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