Add Your Kolo Card to Apple Pay or Google Pay

Before You Start

Before adding your card to a mobile wallet, make sure:

your Kolo card is active
your card is not frozen or terminated
your device supports Apple Pay or Google Pay
your device has the latest OS version installed
you have a stable internet connection

For Apple Pay, also make sure that:

Apple Pay is officially supported in your Apple Account country or region
the country of residence you provided during KYC onboarding is also included in Apple’s supported countries and regions list.

Apple publishes the current supported countries and regions here: Apple Pay supported countries and regions.

Important: your physical location does not determine eligibility. Apple Pay setup may depend both on your Apple Account country and region and on the country of residence you provided during KYC onboarding.

Supported Wallets

Kolo cards work with the following mobile wallets:

Wallet	Supported Devices
Apple Pay	iPhone, Apple Watch, iPad, Mac
Google Pay	Android devices
Samsung Wallet	Supported Samsung devices

How to Add Your Card to Apple Pay

From the Kolo App (Recommended)

Open the Kolo app
Go to Card Details
Tap Add to Apple Pay
Follow the on-screen instructions
Enter the OTP code sent to your email or phone

From the Wallet App

Open the Wallet app on your iPhone
Tap the + button
Select Debit or Credit Card
Enter your Kolo card details manually:
- Card number
- Expiry date
- CVV
Complete verification using the OTP code

✅ Once added, you can use Apple Pay on all supported Apple devices connected to your wallet.

How to Add Your Card to Google Pay

Open the Google Wallet app on your Android device
Tap Add to Wallet → Payment card
Enter your Kolo card details:
- Card number
- Expiry date
- CVV
Complete verification using the OTP code sent to your email or phone
Finish setup

✅ You can now use Google Pay for contactless and online payments.

How to Add Your Card to Samsung Wallet

You can also add your Kolo card to Samsung Wallet on supported Samsung devices. The setup is similar to Google Pay:

Open Samsung Wallet
Add a new payment card
Enter your Kolo card details
Complete OTP verification
Finish setup

OTP Verification When Adding Your Card

When adding your card to a mobile wallet, you'll need to verify that you're the cardholder.

Depending on the case, verification may involve:

a code sent to email
a code sent by SMS
an in-app verification flow
wallet provider security checks

This step helps protect your card from unauthorized use.

Troubleshooting

Wallet	Common message / issue	What to do
Apple Pay / Google Pay	Card can’t be added / setup failed	First, check: the card is active and not frozen, the details are correct (manual add), the device supports the wallet, OS + wallet app are up to date, and the internet connection is stable. Then try: restart the device, remove and re-add the card, and try again later (avoid many repeated attempts). If it still fails, contact support and include the exact error message, device model, and OS version.
Apple Pay	Contact card issuer / Try again later	This usually means Apple Wallet couldn’t complete provisioning or the issuer needs to approve the card. Try again later. If it persists, contact support with the exact message + screenshots.
Apple Pay	Device limit reached	The card is already added to the maximum number of devices. Remove it from another device, then try again.
Apple Pay	Apple Pay isn’t available in your country/region setup failed	Check whether Apple Pay is supported for your Apple Account country or region and whether the country of residence you provided during KYC onboarding is also included in Apple’s supported countries and regions list.
Google Pay	Couldn’t finish card setup for tap to pay / contact your bank	Restart the device, update Google Wallet + Google Play Services, then try again later. If it persists, contact support/your bank with the exact message, device model, and Android version.

FAQ

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. In some cases, the same card may work on one device and fail on another.

Why am I being asked to verify my card again if it was already added before?

This can happen. In some support cases, users were asked to verify the card again after it had already been added previously. In several cases, removing the card from the wallet and adding it again resolved the issue.

Does reissuing the card always fix Apple Pay issues?

No. In some cases, reissuing the card does not resolve the issue, especially if the restriction is related to Apple-side or device-specific checks.

Can the problem be caused by the device rather than the card?

Yes. Some cases are device-specific. The same card may fail on one phone but work on another device.

Does Kolo control all Apple Pay and Google Pay approval decisions?

No. Most of steps in the wallet setup flow depend on the wallet provider, issuer tokenization, and device security checks. Because of this, some issues may not be fully controlled from Kolo's side.

If my card fails in Apple Pay, will it also fail in Google Pay?

Not necessarily. In some cases, the card may fail in Apple Pay but work in Google Pay, or the other way around.

Can a wallet provider block card setup even if the card is active and working?

Yes. In some cases, the wallet provider (Apple / Google) may still block setup because of internal security or risk checks, even when the card itself is active and usable.

Is it possible that the issue resolves later without changes on my side?

Yes. Some wallet setup issues are temporary and may be resolved after some time, especially if they were caused by verification or tokenization delays.

Can my country of residence affect Apple Pay setup?

Yes. Even if your card is active, Apple Pay setup may not be available if the country of residence you provided during KYC onboarding is not included in Apple’s supported countries and regions list. Apple Pay eligibility may also depend on your Apple Account country or region.