Guide: How to Use Paze at Clover Restaurants (Aug 2026)

Paze is an online checkout button backed by major U.S. banks, and it works at roughly 29,300 merchants (including many restaurants) that run on Clover's point-of-sale system for online ordering. We think using Paze at Clover merchants is one of the absolute best ways to use your Paze credits.

Pair it with the right card and you can stack a Paze promo ($10 back per $10 spend, up to 10x per eligible card), Chase's 10x Paze bonus, and Bilt Neighborhood Dining at the ~228 Clover restaurants that participate in both. Here's how the stack works and where to find eligible spots.

TLDR;

• Paze checkout works online at ~29,300 merchants that use Clover as their point of sale; of those, ~27,600 are restaurants
• You can no longer purchase Clover restaurant gift cards using Paze (as of June 26, 2026)
• The current (incredible) Paze promo gives $10 back per $10 spend, up to 10 times per eligible card ($100 max per card)... through Sep 10, 2026
• Stack with a Chase Sapphire Preferred® Card to earn an additional 10x points on Paze purchases
• ~233 Clover restaurants also participate in Bilt Neighborhood Dining, opening a Bilt + Paze + Chase 10x stack
• nextcard's Clover/Paze map shows eligible restaurants and the Bilt overlap in one view

What Is Paze?

Paze is an online checkout option built by the banks themselves, designed to compete with Apple Pay and Paypal.

Eligible debit and credit cards from the following issues are pre-loaded into a Paze wallet that you activate once from your banking app:

1. Chase
2. Wells Fargo
3. Bank of America
4. Capital One
5. Citi
6. PNC
7. Truist
8. U.S. Bank.

At checkout you pick a card from your Paze wallet, and your real card number stays hidden from the merchant (similar to Apple Wallet).

A few things to know up front:

• Paze is online only. It works at checkout on participating merchant websites and apps; there's no tap-to-pay or in-person terminal version.
• Paze pulls from your existing card, so you still earn category bonuses (e.g., 3x dining on a Sapphire Preferred)
• Activation is required before your first use, even though the wallet is pre-loaded.

Where Clover Restaurants Fits In (And What is Clover)?

Clover is one of the most common restaurant point-of-sale systems in the U.S., and its online ordering checkout supports Paze at roughly 29,300 merchants. About 900 of those also sell gift cards through their Clover site (note that as of June 26, 2026, Paze can no longer be used to purchase gift cards).

For all intents and purposes, you can basically think of it as an alternative to Toast when you pay your dining bill.

That Clover footprint covers tens of thousands of independent restaurants, far more than the named-brand merchants Paze lists on its homepage (Dunkin, Domino's, Wendy's, etc.). It's the main reason the Paze + dining stack is worth paying attention to right now.

How to Pay with Paze at a Clover Restaurant

Assuming you've already activated your cards via Paze beforehand:

1. Find a Clover restaurant on desktop/website that accepts Paze; the Clover/Paze map covers all ~29,300 spots (we're the only map with data on nonrestaurant merchants!)
2. Add items (no gift cards) to your cart on the restaurant's Clover online ordering page.
3. At checkout, choose Paze & select which card you want to use to pay the bill

If you don't see Paze as a payment option, make sure you aren't using the Clover app. This only works on desktop/websites for some reason.

Common Pitfalls/Errors with using Paze at checkout for Clover restaurants

These are some common bugs/glitches we see when people are trying to checkout with Paze:

1. Do not use the Clover app. I repeat—do not use the Clover app. You will never see Paze as a checkout method
2. If you use an iPhone, checking out will always throw an error for some reason. This issue does not happen on a computer or Android
3. If you don't see the offer banner, please make sure to enter your card's CVV first
4. You might run into rate limiting issues if you try to do multiple Paze/Clover orders in the same day; just wait 24-48 hours before doing your next order

How to Find Eligible Clover Restaurants Where You Can Checkout with Paze

The fastest way is to use the nextcard Paze/Clover Restaurants map. The map is designed to help you quickly find eligible restaurants across the United States.

Few useful filters worth noting:

1. City filter: self explanatory
2. "Stack with": shows restaurants that are also part of Bilt Neighborhood Dining, AA/United/Tmobile Dining, inKind; more on this stack below
3. "Gift Card": shows Clover restaurants that sell gift cards (can no longer purchase using Paze as of June 26, 2026)
4. "Saved": note your favorite Clover restaurants so you can access it quickly in the future

Once you've found a relevant restaurant, you can click on the embedded Clover link to be redirected to the restaurant-specific Clover online ordering page.

How to Stack Paze Promos at Clover Restaurants

What's interesting right now is that three separate offers can hit on the same Clover order paid with Paze checkout:

1. $10 back per $10 spent via Paze checkout, up to 10 times per eligible card ($100 cap)
2. 10x Chase points when the bill is paid via Paze with an eligible Chase card
3. Dining rewards programs like Bilt Neighborhood or Rakuten Dining

If you properly max this out, a $10 order at a restaurant like Shaking Crab in NYC paid with a Chase Sapphire Preferred® Card is quite fruitful:

• $10 back from $10 spend Paze promo
• Earn 3x points from dining category on Sapphire Preferred
• Earn 10x more points from 10x Chase points promo
• Earn 5% cashback from Rakuten Dining

Pretty incredible quadruple stack opportunity if played correctly.

Layer 1: The Spend $10/Earn $10 Paze Promo (Through Sep 10, 2026)

Spend $10 with Paze, get $10 back as a statement credit, up to 10 times per eligible card (a $100 cap per card). It has been getting nerfed over the last few days, but several high-ROI plays are still working:

• Clover restaurants: order food
• PayRange credits for laundromats and vending
• Sephora items in the ~$10 range
• Wendy's, Whataburger, Domino's: pay with Paze at normal checkout
• Fanatics / Lids: clothing/apparel (gift card purchases do not work anymore)

Layer 2: Chase 10x on Paze

Several Chase credit cards earn an additional 10x points on Paze purchases at eligible merchants, which stacks on top of the $10/$10 promo at Clover restaurants. Not every Chase card triggers the bonus, but here are the ones we know work (make sure to check your account for the offer):

How do you check? Look in your Benefits section.

Layer 3: Bilt Neighborhood Dining & Rakuten Dining

Dining rewards programs can layer on top of the Paze + Chase stack at eligible Clover restaurants:

• Bilt Neighborhood Dining: Roughly 233 Clover restaurants also participate in Bilt Neighborhood Dining. Add a Paze-eligible card (Chase, Capital One, or Wells Fargo) to your Bilt Wallet, order from a Clover/Bilt restaurant, and you can layer 3x Bilt Neighborhood points on top of everything else.
• Rakuten Dining: ~222 Clover restaurants also show up in Rakuten Dining, which pays ~5% cashback when you pay the bill with a linked Rakuten card. Enroll your Paze-eligible card with Rakuten beforehand!

Use the "Stack with" filter on the nextcard Clover/Paze map to find restaurants where these overlaps exist. Also, note that Bilt and Rakuten dining both use "Rewards Network" which also powers the dining programs for United MileagePlus, Marriott Bonvoy, T-Mobile, American Airlines AAdvantage, etc... so you can stack any of those in Layer 3.

Final Thoughts on Paze at Clover Restaurants

The Paze + Clover combo is one of the better limited-time plays in dining right now. If optimized correctly, you can get some very cheap meals.

Find a participating restaurant on the Clover/Paze map, and let nextcard track your credit card credits so the promo and category bonuses post cleanly.

The real advantage is how little friction there is once you're set up. Using a passkey when checking out makes the process buttery smooth and the rewards opportunity are incredibly high right now.

FAQ

How do I know if a restaurant accepts Paze through Clover?

Check the nextcard Clover/Paze map, or go to the restaurant's online ordering page and look for the Paze button at checkout. If you don't see Paze, make sure you aren't using the mobile app.

Does Paze work at in-person Clover terminals?

No. Paze is online checkout only; it does not work at the physical card reader on a Clover countertop terminal. The Clover integration only applies to a restaurant's online ordering page. For in-person taps you still need Apple Pay, Google Pay, or your physical card.

Can I buy gift cards at Clover restaurants with Paze?

No. As of June 26, 2026, Paze no longer supports Clover gift card purchases; if you add a gift card to your cart, Paze will not show up as a payment method. You can still use Paze to pay for food orders at the ~29,300 Paze-eligible Clover restaurants & merchants.

Is there a cap on the Chase 10x Paze bonus?

Yes. The Chase 10x Paze offer is capped at $1,500 in Paze purchases per month per eligible card, for a max of 15,000 bonus points monthly. Once you hit the cap, additional Paze spend on that card earns the standard category rate (e.g., 3x dining on Sapphire Preferred) without the 10x boost.

What if Paze isn't showing up in my Chase wallet?

First, confirm your card is Paze-eligible (most Chase consumer credit cards are). Then open the Chase app, go to the card's Digital Wallets section, and re-activate Paze. it sometimes needs to be re-linked after Chase pushes app updates.

If it still errors out, try activating directly at paze.com using your bank login. Some users have had to wait 24-48 hours after activation before Paze appears at checkout.

Is Paze still working at Clover restaurants?

Yes, as of August 01, 2026. We use Paze to buy food/drinks at Clover restaurants every weekend.

Now, you may absolutely run into some issues: some restaurants have a Clover ordering page that is completely unused, meaning when the order arrives, the restaurant will deny it. This rarely happens, but is an absolute risk with using this payment method.

Clover doesn't show up as an eligible Paze merchant; will I get credited?

If you have the spend $10/earn $10 banner show up at checkout, you probably will get credited. We've made a collective 30+ Paze/Clover orders and have had each one credited successfully. However, we cannot make guarantees that this will work for you, but the success datapoints are there.