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, Google Pay, or Samsung Wallet
your device has the latest OS version installed
you have a stable internet connection

Apple Pay Eligibility & Limitations

For Apple Pay, eligibility also depends on Apple's availability rules. Apple Pay must be supported for your Apple Account country or region and for the country of residence provided during KYC verification.

Your physical location does not determine Apple Pay eligibility. Changing your Apple ID country or region may not resolve the issue if your verified country of residence is not supported.

You can check Apple's official list here: Apple Pay supported countries and regions (https://support.apple.com/en-us/102775)

Unfortunately, we cannot change this restriction on our side, and changing your Apple ID region will not affect the result.

If you have an identity document issued by another country, please let us know. We'd be glad to review your case and provide further recommendations.

Good news: Even if Apple Pay is unavailable in your region, you can still use your Kolo card — you can fully use our Web version or access your account via the Telegram Mini App.

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 (USD cards not supported)

How to Add Your Card to Apple Pay

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.

Tip: You can also do this directly from the Kolo App — tap on your card, go to Preferences, then tap Add to Apple Pay and follow the instructions provided.

Kolo cards cannot be added as a payment method for Apple ID / Apple Account purchases, such as App Store billing, Media & Purchases, or subscriptions billed through Apple ID. This is not supported due to issuer-side limitations.

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, if requested
Finish setup

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

Tip: You can also do this directly from the Kolo App — tap on your card, go to Preferences, then tap Add to /Google Pay and follow the instructions provided.

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

⚠️ Note: Kolo cards in USD currently cannot be added to Samsung Wallet. This limitation applies only to USD cards — EUR cards can be added to Samsung Wallet normally.

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
a verification phone call

If Apple Wallet asks you to verify by phone

Sometimes Apple Wallet doesn't send an SMS code and instead asks you to complete verification by phone. This is an additional security check that may occur when Apple or Visa requires extra verification during card setup. It can apply to both USD and EUR cards and doesn't necessarily mean there is an issue with your card.

Here's what to do:

Call the phone number shown to you in Apple Wallet.
The verification number may be different depending on whether you're adding a USD or EUR card, so please use the exact number displayed in Apple Wallet.
Complete the phone verification.
After the call, you may be redirected to an additional verification step, such as confirming a code via SMS to your phone number or via email. Please complete this step if prompted.
Final activation by Kolo Support may be needed.
Sometimes the last step has to be completed on our side. Contact the Support team — we'll check your card and complete the setup.

⚠️ Adding the card again won't skip the verification step. The card can only be added to Apple Pay after the required verification and token activation have been completed.

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 additional verification is required. If Apple Wallet shows a phone number or asks you to call to verify the card, call the number shown to you — this is support line. After the call you may also be asked to confirm by SMS or email. If you don't see a phone number at all, or the message persists after verification, 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	Could Not Add card	This usually means Apple Pay is not supported for your Apple Account country or region or for the country of residence in your KYC profile (see Apple Pay supported countries and regions (https://support.apple.com/en-us/102775). If the relevant country or region is not supported by Apple Pay, the card cannot be added to Apple Pay.
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.

Where can I use the card with Apple?

You can add it to Apple Wallet / Apple Pay for supported payments, but not as an Apple ID billing method.

Why does my receipt show different last 4 digits when I pay with Apple Pay?

When you pay with Apple Pay, the receipt may show different last 4 digits than your actual Kolo card number. This is normal. Apple Pay uses a separate secure number called a Device Account Number for payments. It helps protect your real card details and may appear on receipts instead of your actual card number.
Your Kolo card details have not changed because of this. You can check the Apple Pay card number in Apple Wallet: Wallet → Select your Kolo card → Card Details → Card Information
If you do not recognize a payment at all, check your card transactions in Kolo or contact support.

Why is my Kolo card not working with Google Wallet or at contactless terminals?

Please check the basics first:

Make sure the card was successfully added to Google Wallet.
Check that NFC is enabled on your device.
Confirm that Google Wallet is set as your default payment app.
Make sure your Kolo card is active and not frozen or terminated.
Check that you have enough balance in an enabled spending asset.
Make sure the merchant terminal supports contactless Visa payments.
Try removing the card from Google Wallet and adding it again.

If the issue continues, contact Kolo Support and share the device model, Android version, Google Wallet error message if any, and where the payment failed.

Does the Kolo Virtual Card support NFC payment?

The Kolo Virtual Card supports contactless (NFC) payments when added to Apple Pay or Google Pay on compatible devices. If your device does not have NFC functionality, contactless payments will not be available on that device.

However, you can still:

Pay online using your card details
Add the card to another NFC-compatible device

Can contacting Apple Support enable Apple Pay in unsupported regions?

No, contacting Apple Support will not enable Apple Pay in unsupported regions as these restrictions are determined by Apple and cannot be overridden by support agents.

Add Your Kolo Card to Apple Pay or Google Pay