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Virtual Cards — Overview

Pays Wallet lets you create virtual Visa cards that you can use to spend your crypto anywhere Visa is accepted — online and in person via Apple Pay or Google Pay.

What Are Virtual Cards?

Virtual cards are digital Visa debit cards powered by Gnosis Pay. They're linked to your Pays Wallet and let you spend your crypto balance just like a regular bank card. When you make a purchase, the equivalent amount is deducted from your card balance.

Key Features

  • Up to 5 cards — You can create up to 5 active virtual cards.
  • Visa acceptance — Use them anywhere Visa is accepted worldwide.
  • Instant top-up — Load your cards with crypto from your wallet.
  • Daily spending limits — Set and adjust your daily spending limit up to $8,000.
  • Real-time tracking — See transactions as they happen.
  • Freeze and unfreeze — Lock a card instantly if you need to.

Requirements

Before you can create a virtual card, you'll need to:

  1. Verify your identity (KYC) — Complete identity verification through our secure partner, SumSub.
  2. Verify your phone number — Add and verify a phone number via OTP.
  3. Accept the terms — Review and accept the card terms and conditions.
  4. Provide source of funds — Declare where your crypto funds come from (this is required by regulation).

Getting Your First Card

The app walks you through a step-by-step onboarding flow:

  1. Connect — Link your wallet for card payments.
  2. Terms — Read and accept the card terms of service.
  3. KYC — Complete identity verification (ID document + selfie).
  4. Get Card — Once approved, create your first virtual card.

The KYC process usually takes just a few minutes, but in some cases review can take up to 24 hours.

Viewing Your Cards

Tap the card icon in the wallet header to see all your virtual cards in a card carousel. Swipe left and right to browse between cards. Tap on a card to see its details, or tap the flip icon to view the card number and CVV.

Card Statuses

Your cards can have the following statuses:

  • Active — Ready to use for payments.
  • Frozen — Temporarily disabled. No payments will go through until you unfreeze it.
  • Pending — The card is being created or is awaiting activation.

Have questions about virtual cards? Tap the chat icon to reach support.