💡 Quick way: you don't need to guess. Open the Kolo app, select the wallet, tap your card and choose Show details — you'll see the exact Name on card and Billing address to enter when paying online.
Name on Card
Personal Cards
Enter the full legal name of the person whose Kolo account the card is linked to.
It should match the name used during KYC verification — exactly as it appears on your passport or ID document.
You can see the exact name in the Kolo app: select the wallet, tap the card and choose Show details → Name on card.
Example | Correct? |
John Michael Smith | ✅ Yes — full legal name |
John Smith | ✅ Yes — first and last name |
J. Smith | ⚠️ May work, but not recommended |
Johnny Smith | ❌ Nickname — may cause issues |
💡 Pro tip: If a website has separate First Name and Last Name fields, enter them as they appear in your Kolo profile.
Business Cards
For business cards issued to employees, enter the employee’s full legal name, not the company name.
Kolo business cards are issued to individual cardholders within a company, so the name on the card is the employee’s name.
Scenario | What to enter |
Employee card for Maria Lopez | Maria Lopez |
Card linked to admin John Doe | John Doe |
Company name (Acme Corp) | ❌ Do not enter the company name |
Billing Address
Enter the billing address that matches the address provided during Kolo registration or verification.
The exact billing address is shown in the Kolo app: select the wallet, tap the card and choose Show details → Billing address.
Personal Cards
For personal cards, use the billing address shown in Show details for your card.
Business Cards
For business cards, use the company’s legal address provided during business registration or KYB verification.
Do not use the employee’s personal address unless your company specifically confirms it should be used for card payments.
Important Notes
⚠️ Not all merchants strictly validate billing addresses. In many cases, the billing address is used only as an additional fraud-prevention signal.
However, if a merchant does validate it, it may be checked against the address details linked to your Kolo profile or business account.
⚠️ Use a real, complete address. Entering fake, incomplete, or unrelated billing information may cause the payment to be declined.
💡 Pro tip: If you are traveling, you can still use the address linked to your Kolo profile or business account. You do not need to enter your temporary travel address.
Common Scenarios
Situation | Name on Card | Billing Address |
Personal card, online purchase | Your full legal name | Billing address from Show details |
Personal card, paying while traveling | Your full legal name | Billing address from Show details |
Business card, employee purchase | Employee’s full legal name | Company legal address from KYB / business registration |
Subscription service asking for billing info | Your full legal name or employee legal name | Address linked to the relevant Kolo profile or business account |
FAQ
The merchant says my billing address doesn’t match. What should I do?
The merchant says my billing address doesn’t match. What should I do?
Check that you entered the billing address exactly as shown in Show details.
You can also try a slightly different address format, for example:
abbreviating “Street” to “St”
removing or adding apartment details
checking the ZIP or postal code format
using Latin letters if the merchant does not support local characters
If it still fails, contact the merchant to confirm which billing address format they accept.
Do I need to set a billing address separately in the Kolo app?
Do I need to set a billing address separately in the Kolo app?
No. You do not need to set a separate billing address for card payments in the app.
To view it, select the wallet, tap the card and choose Show details — the billing address is listed there.
What if the merchant asks for ZIP or postal code only?
What if the merchant asks for ZIP or postal code only?
Enter the ZIP or postal code from the billing address shown in Show details.
Need help?
Contact our support team.