Name on Card
Personal Cards
Enter the full legal name of the person whose Kolo account the card is linked to.
This should match the name you used during KYC verification — exactly as it appears on your passport or ID document.
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 your first name and last name 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. The cardholder name is always the individual person's name, even though the card belongs to the business account.
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 your current residential address — the physical address where you live or are currently located.
What counts as a billing address?
Your billing address is simply your home address or the address associated with your account. This can be:
Your permanent home address
Your current residential address (if you've relocated)
A temporary address where you're currently staying
For Business Cards
Employees using business cards can enter either:
Their personal residential address, or
The company's registered office address
Both are generally accepted. If your company has a preferred policy, follow that.
Important Notes
⚠️ Most online merchants do not strictly validate billing addresses. The billing address is primarily used as an additional fraud-prevention signal, not as a hard verification. In most cases, entering your real address will work without issues.
⚠️ Use a real address. While validation is often loose, entering obviously fake or incomplete addresses may trigger a decline.
💡 Pro tip: If you're traveling, you can still use your home address as the billing address. There's no need to update it to your temporary location.
Common Scenarios
Situation | Name on Card | Billing Address |
Personal card, paying from home | Your full legal name | Your home address |
Personal card, paying while traveling | Your full legal name | Your home address |
Business card, employee purchase | Employee's full legal name | Employee's home address or company address |
Subscription service asking for billing info | Your full legal name | Your residential address |
Related Questions
The merchant says my billing address doesn't match. What do I do?
The merchant says my billing address doesn't match. What do I do?
Try entering your address in a slightly different format (e.g., abbreviate "Street" to "St" or remove apartment numbers). If it still fails, try a different format or contact the merchant.
Do I need to set a billing address in the Kolo app?
Do I need to set a billing address in the Kolo app?
No. Kolo does not store or require a billing address in the app. You enter the billing address at the time of purchase on the merchant's website.
What if the merchant asks for a ZIP/postal code only?
What if the merchant asks for a ZIP/postal code only?
Enter the ZIP or postal code of your residential address.
Need help?
Contact our support team.