Pay in stores with your phone or watch, check out online faster, and use your Kolo card for App Store, Google Play and PayPal payments. What's available depends on your card type — USD or EUR.
Quick start
Check which card you have — USD or EUR — in the Kolo app.
Find your service in the table below.
Go to the matching section: Apple Pay · Google Pay · Apple ID, Google Play, PayPal · Troubleshooting
Where You Can Use Your Kolo Card
Service | USD card | EUR card |
Apple Pay | ✅ Your country of residence from verification must be supported by Apple Pay | ✅ |
Google Pay | ✅ | ✅ |
Samsung Wallet | ❌ Not available yet | ❌ Not available yet |
Apple ID (App Store, iCloud, subscriptions) | ✅ Apple Account region: United States | ✅ Apple Account region: United Kingdom |
Google Play | ✅ | ✅ |
PayPal | ✅ | ✅ |
Before You Start
Your Kolo card is active — not frozen or terminated
Your device supports Apple Pay or Google Pay, and the wallet is available in your region
Your device has the latest OS version
You have a stable internet connection
Prefer step-by-step guidance? You can also add your card from the Kolo app — open your card and tap Add to Apple Pay or Add to Google Pay. The app will walk you through each step.
Apple Pay
Can I add my card?
USD card: your country of residence from verification must be supported by Apple Pay.
EUR card: no extra conditions.
Check Apple's official list: Apple Pay supported countries and regions
USD card: if your country of residence isn't on Apple's list, the card can't be added to Apple Pay. Have an identity document from another country? Let us know — we'll review your case and suggest the next steps.
How to add your card
Open the Wallet app on your iPhone
Tap + → Debit or Credit Card
Enter your card number, expiry date and CVV manually
Complete verification
Done! You can pay with Apple Pay on all devices linked to your Apple Account — iPhone, Apple Watch, iPad and Mac.
Apple Wallet asks me to verify by phone — what should I do?
Apple Wallet asks me to verify by phone — what should I do?
This is an extra security check from Apple or Visa. It can happen with both USD and EUR cards and doesn't mean something is wrong with your card.
Call the number shown in Apple Wallet. It may differ for USD and EUR cards, so use the exact number displayed.
Complete any extra step you're asked for, such as a code by SMS or email.
Contact Support if needed — sometimes the final activation is completed on our side.
Adding the card again won't skip verification.
Apple Pay not available for you? You can still use your Kolo card for online payments — just enter your card details at checkout.
Google Pay
Open the Google Wallet app on your Android device
Tap Add to Wallet → Payment card
Enter your card number, expiry date and CVV
Complete verification if requested and finish setup
Done! You can now use Google Pay for contactless and online payments.
Samsung Wallet: Kolo cards (USD and EUR) can't be added to Samsung Wallet yet. On Samsung devices, use Google Wallet instead.
Apple ID, Google Play and PayPal
Apple ID (App Store, iCloud, subscriptions)
This is different from Apple Pay — here your card becomes the payment method for your Apple Account.
Card | Apple Account region needed |
USD | United States |
EUR | United Kingdom |
To add the card: Settings → your name → Payment & Shipping → Add Payment Method.
Changing your Apple Account region may affect your subscriptions, purchases and available apps. Check Apple's conditions before you change it.
Google Play
Google Play → profile icon → Payments & subscriptions → Payment methods → Add credit or debit card.
PayPal
PayPal → Wallet → Link a card → enter your Kolo card details.
Troubleshooting
Message / issue | What to do |
Card can't be added / setup failed | Check that the card is active and the details are correct, and that your device, OS and wallet app are up to date. Restart the device and try again later — avoid many attempts in a row. |
Could Not Add Card | Apple Pay may not be available in your region. |
Contact card issuer / Try again later | Extra verification is needed. If Apple Wallet shows a phone number, call it and complete any extra steps. No number, or the message stays? Contact Support. |
Device limit reached | Your card is already on the maximum number of devices. Remove it from one device and try again. |
Couldn't finish card setup / contact your bank | Restart the device, update Google Wallet and Google Play Services, then try again later. |
Still not working? Contact Support and include the exact error message, a screenshot, your device model and OS version.
FAQ
Can I add the same Kolo card to more than one device?
Can I add the same Kolo card to more than one device?
In most cases yes, but this depends on the wallet provider and device-level checks. Sometimes the same card works on one device and fails on another.
Why am I asked to verify my card again if it was already added?
Why am I asked to verify my card again if it was already added?
This can happen. In many cases, removing the card from the wallet and adding it again resolves the issue.
Does reissuing the card fix Apple Pay issues?
Does reissuing the card fix Apple Pay issues?
Not always. If the restriction comes from Apple or from device-specific checks, reissuing the card won't change the result.
If my card fails in Apple Pay, will it also fail in Google Pay?
If my card fails in Apple Pay, will it also fail in Google Pay?
Not necessarily. A card may fail in Apple Pay but work in Google Pay, or the other way around. Some issues are device-specific too.
Can Apple or Google block setup even if my card is active?
Can Apple or Google block setup even if my card is active?
Yes. Wallet providers run their own security and risk checks, and some of these decisions can't be controlled from Kolo's side. Some issues are temporary and resolve on their own after a while.
Can contacting Apple Support enable Apple Pay in unsupported regions?
Can contacting Apple Support enable Apple Pay in unsupported regions?
No. These restrictions are set by Apple and can't be overridden by support agents.
Why does my receipt show different last 4 digits when I pay with Apple Pay?
Why does my receipt show different last 4 digits when I pay with Apple Pay?
This is normal. Apple Pay uses a separate secure number (Device Account Number) to protect your real card details, and it may appear on receipts instead of your card number.
You can find it in Apple Wallet: Wallet → your Kolo card → Card Details → Card Information.
Don't recognize a payment at all? Check your card transactions in Kolo or contact Support.
Why is my card not working with Google Wallet or at contactless terminals?
Why is my card not working with Google Wallet or at contactless terminals?
The card was successfully added to Google Wallet
NFC is enabled on your device
Google Wallet is set as your default payment app
Your Kolo card is active, not frozen or terminated
You have enough balance in an enabled spending asset
The terminal supports contactless Visa payments
Still not working? Remove the card from Google Wallet and add it again, or contact Support with your device model, Android version and the error message.
Does the Kolo Virtual Card support NFC payments?
Does the Kolo Virtual Card support NFC payments?
Yes — when it's added to Apple Pay or Google Pay on an NFC-compatible device. If your device has no NFC, you can still pay online with your card details or add the card to another device.
Need Help?
If something doesn't work, contact Support with the exact error message and a screenshot — we'll help you sort it out.