Wink Checkout CoPilot with Paze℠

Extend your checkout experience with Wink’s Checkout CoPilot, seamlessly integrated with Paze℠. This powerful combination eliminates friction and helps accelerate transactions, enabling merchants to tap into 150 million pre-loaded credit and debit cards from participating banks and credit unions. Say goodbye to manual data entry and complex authentication processes, and hello to a fast, efficient checkout that can help significantly boost conversion rates.

Wink’s Checkout CoPilot is designed to work with your existing payment processing provider for retailers seeking help to minimize cart abandonment and enhance user satisfaction. With the option to implement either biometric authentication or Paze integration—or both—you can customize your checkout experience to meet your business needs..

Features

Wink’s Checkout CoPilot Plugin for your Magento or Adobe Commerce Website adds many unique features to your Checkout. Choose to configure some or all of the features listed below

• Paze Digital Wallet: By examining the email of your guest or logged in user, automatically invite users to complete checkout flow using their account at many of the largest financial institutions. Over 125 Million credit and debit cards are available with Paze, a new checkout solution from Early Warning Services, the operator of Zelle®. For more details visit,  www.paze.com. 
• Tokenized Payment Processing: All payment transactions are prepared for processing using card tokens instead of real card numbers
• Choice of Payment Processors: Wink supports over 200 payment processors and gateways giving you the broadest choice available in the market. Configure and connect to your favorite payment provider with a few easy steps, no coding required.
• New Low Cost Payment Processing: If you’re looking to switch to a lower-cost online payment processor, add a second one, or if your current processor is not compliant with Paze, Wink’s Checkout CoPilot offers a cost-effective Paze-compliant processing service that can be easily activated as an additional option.
• Fraud AI: Wink Checkout CoPilot includes a sophisticated Fraud Prevention AI designed to minimize the use of stolen credit cards and mitigate common payment fraud risks. Our Fraud AI analyzes a variety of factors—including past purchases, user devices, email addresses, shipping addresses, and payment card data—so you can avoid the need for additional third-party tools.
• Fraud Chargeback Insurance: If you want to completely insulate your revenues from chargebacks, Wink Checkout CoPilot can be configured to provide chargeback insurance from our partner, Riskified. Take advantage of this pre-built integration with one of the best providers in the market.
• Biometric Authentication: Turn on market leading multi-factor biometric authentication provided by Wink as an optional additional service where your users can login or authenticate transactions using their biometrics instead of old methods like passwords or OTPs.
• Flexible UI choice: Wink Checkout CoPilot automatically mimics the look and feel of your website and can be configured to launch as an embedded or overlaid iFrame. Choose from a 1 step or multi-step checkout flow
• PCI DSS Compliance: Actual card data is not exposed to your website or backend systems ensuring easy compliance to PCI DSS requirements. 

Benefits

Wink’s Checkout CoPilot Plugin enhances your checkout with the most advanced features available in the market as explained above. This brings a host of benefits to your business as summarized below.

Benefits of the New Paze Digital Wallet Integration Include:

• Help Boost Conversions: The 125 million consumer wallets and growing in Paze, enhances conversions by eliminating manual data entry and providing a simplified checkout experience.
• Helps Gain Higher Acceptance Rates: Each wallet transaction with Wink’s Checkout CoPilot features a payment token generated by Visa or Mastercard which help reduce the possibility of authorization declines from the payment processor.
• Reduce Cost: Each Paze transaction is authenticated by the wallet holder, significantly minimizing the risk of card fraud. Additionally, if your business meets specific transaction volume criteria, you may qualify for complimentary chargeback insurance on Paze transactions by Wink for confirmed cases of fraud.
• Acquire High Quality Customers: All Paze wallets are issued by participating major US banks and include the most commonly used credit and debit cards among U.S. shoppers. Wink Checkout CoPilot automatically creates a user account in your Magento database for these high-quality customers.

Benefits of the other Wink Checkout CoPilot features include:

• Increase Customer Satisfaction:  Merchants can choose to implement Wink’s Checkout CoPilot as an 'Express Guest Checkout' for quick, hassle-free transactions or seamlessly integrate it for a more personalized experience during logged-in sessions.
• Reduce Deployment Cost for Advanced Features: Designed to work seamlessly with your Magento or Adobe Commerce installation, this plugin allows for easy adoption without disrupting your current operations. Enjoy a quick setup process and comprehensive support, enabling you to enhance your checkout experience swiftly..
• Increase Profitability through Best in class fraud protection: Utilize FraudAI, tokenization and available chargeback insurance to provide an additional layer of security for transactions. These features not only helps to significantly reduce fraud but also minimizes cart abandonment, ensuring a smoother and more reliable checkout experience for your customers.
• Optimize Payment Processing Costs: Take advantage of the broad support of payment providers and say goodbye to the prohibitive costs and hassle of switching or adding payment providers. Manage multiple payment providers with ease to optimize your processing costs.
• Reduce Compliance Costs: Benefit from rapid transaction processing with Wink’s advanced technology, ensuring a fast and seamless customer experience. User data is securely stored in our PCI and PII compliant vault for quick access during checkout. Our PCI compliance ensures sensitive card data never touches your systems
• Reduce Maintenance Costs by Future-Proofing your Checkout: Easily add new payment methods or new features  without disrupting your website or app, thanks to Wink’s backend server handling all changes effortlessly.
• Reduce customer care costs and chance of system compromises: Turn on passwordless authentication using Wink’s biometric authentication feature and give a modern secure experience to your customers. By eliminating passwords and OTPs from your checkout flows you can ensure fewer calls to customer care, lesser dropouts due to locked accounts or failed login attempts. Shut the door on hackers looking to exploit vulnerabilities to gain access to your user accounts.
• Elevate Customer Loyalty: Simplify repeat purchases with our single-click checkout feature, creating a seamless experience that encourages repeat business and fosters customer loyalty.
• Elevate Confidence in your brand with Bank-Level Security: At Wink, we take security seriously, and that's why we've obtained industry-leading certifications such as PCI DSS Level 1 and SOC 2 Type II compliance. Our commitment to security ensures that merchants and customers can trust Wink's payment authentication platform to protect their sensitive information.
• Reduce risks of payment downtime via Failover Protection: Wink Checkout CoPilot can be configured to spread your payment processing across multiple payment processors. This can ensure uninterrupted transactions even in the event of network or system failures at a given processor, guaranteeing a seamless and reliable checkout experience for users.

Data Security

Wink’s Checkout CoPilot Plugin is designed to safeguard your website and data:

• Robust Encryption Protocols: Wink employs advanced encryption protocols to safeguard sensitive customer data, ensuring peace of mind for both businesses and consumers.
• User Privacy: Wink does not store user PII ( private sensitive information ). Wink’s biometric authentication system does not store user pictures or voice files. User biometrics are stored in the form of one way vectors that can’t be reversed into identifiable images or voice files. User card and address data is stored in a PCI/GDPR compliant vault.
• SOC2 Compliance: Wink’s solutions are fully SOC2 compliant, providing an additional layer of security against potential breaches

Getting Started

Integration is hassle-free and typically takes a few days to a couple of weeks. An approved Wink account is required to begin. Connect with our team to set up your account and enjoy personalized support throughout the integration process. For additional information and pricing details, visit www.wink.cloud/pricing.

Paze and the Paze related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.