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This guide walks you through adding your Bitnob virtual card to Apple Wallet or Google Wallet so you can make contactless payments anywhere in the world where it is supported. Bitnob does not add your card automatically. Instead, you’ll enter your card details from the Bitnob dashboard into Apple Wallet or Google Wallet. Once your card has been added, you can use Apple Pay or Google Pay to pay in stores, in apps, and online where supported.

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Creating your virtual cards

Before you can add a card to Apple Wallet or Google Pay, you first need a Bitnob virtual card. If you don’t have one yet, follow the Card Issuance guide to create a virtual card for a customer or team member.

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Before you start

  • You need to create a Virtual card (Customer or team member) on Bitnob Business
  • Your Bitnob virtual card must be active and not frozen, expired or terminated.
  • The card must have contactless enabled. Through the API, create it with contactless_payment: true.
  • Your phone software should be up to date (iOS for Apple Wallet, Android for Google Pay).
  • You need a stable internet connection.
  • Your Apple ID region must be set to the United States (US)
Adding a card to your phone does not remove it from your Bitnob dashboard. You can still see your balance, transactions and other activities as normal.

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Step 1: Get your card details from Bitnob

  1. Open the Bitnob dashboard and go to your Customer or team member cards.
  2. Click on cardholder details to reveal your card number, expiry date, CVV, and name on the Bitnob dashboard before you begin.
  3. Copy the card number, expiry date, CVV, and cardholder name.
Never share these details with anyone else, and avoid taking a screenshot that you save or send. Close the card details screen once you have them copied.

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Step 2: Add your card to Apple wallet (iPhone)

  1. Open the Wallet app on your iPhone.
  2. Tap the plus (+) sign in the top corner.
  3. Choose “Debit or Credit Card”
  4. Tap “Enter Card Details Manually”
  5. Type in the copied card number, expiry date, and CVV from your Bitnob dashboard, then tap “Next.”
  6. Enter the cardholder name and billing address associated with the card if asked, then tap “Next”
  7. If Apple asks you to verify the card, choose text message or email, then enter the code sent to you.
  8. Tap “Done” and Your card is now added to Apple Wallet and ready to use with Apple Pay.

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Step 3: Add your card to Google pay (Android)

  1. Open the Google Pay app or the Google Wallet app on your Android phone.
  2. Tap the plus (+) sign to add a card.
  3. Choose “New Card”
  4. Tap “Enter card details manually”
  5. Type in the card number, expiry date, and CVV from your Bitnob dashboard.
  6. Enter the cardholder name and billing address associated with the card if asked, then tap “Save”
  7. If Google asks you to verify the card, choose text message or email, then enter the code sent to you.
  8. Once verified, your card will show as ready to use.

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Step 4: How to pay

  • In stores: unlock your phone (if required), then hold it near the contactless payment terminal until you see the confirmation near the card reader, the same way you would with a physical card.
  • In apps and online: choose Apple Pay or Google Pay/Google Wallet where available as the payment method at checkout points.
You may still be asked to confirm with Face ID, Touch ID, or your phone PIN.

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If something goes wrong

  • Card details rejected: double check the card number, expiry date, and CVV against the Bitnob dashboard. A single wrong digit can cause this.
  • Card is inactive or expired: confirm the card status on Bitnob before trying again.
  • Verification code not received: check the phone number and email linked to your card, then ask Apple Wallet or Google Pay to resend the code. For a card issued through the API, the code arrives as the virtualcard.contactless.activation webhook, sent to the card’s webhook_url.
  • Payment declined at checkout: check your card balance and limits on Bitnob.
If you are still stuck, reach out to Bitnob support.

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Good to know

  • You can remove the card from Apple Wallet or Google Pay at any time. This does not close or freeze your Bitnob card.
  • If you get a new phone, you will need to add the card again on that device.
  • Your card number stays private. Apple Wallet and Google Pay use a secure, encrypted version of your card details instead of the real number.