Paying with a card, Apple Pay, and Google Pay

#Card details

To pay online, you need the card number, expiration date, CVC, and cardholder name. To view them:

1. On the home screen, in the "Cards" section, tap the card.
2. Tap "Details".
3. Confirm the action with your PIN or biometrics.

The details are shown in one of two ways:

• directly in the app — number, expiration date, CVC, and cardholder name. Tap a field to copy it;
• on a secure page of the card issuer — in this case the app shows a "Show details" button. The link is single-use and works for about a minute. If it has already been opened or has expired, tap "Request new link".

If a store asks for a billing address, you can find it in the same place, in the "Billing address" section, if your card has one.

#Confirming purchases: 3-D Secure codes

Many stores ask you to confirm an online payment. PS Wallet sends a one-time code or a confirmation request for this.

Where codes are sent. You choose this in "Profile" → "3-D Secure codes":

• Telegram — as a message from the @pswallet bot;
• Email — to the email linked to your profile;
• App — as a push notification to a phone with the PS Wallet app. This option appears if the app is installed and notifications are enabled in it.

Code. The message looks like this: "3-D Secure code for card payment *1234". In Telegram, there is a "Copy code" button under it. Enter the code on the store's payment page.

Confirmation request. Sometimes, instead of a code, you receive a "Confirm card payment" message with the store name and amount and the buttons "✅ Confirm" and "❌ Decline". Such a request is sent to the bot, or, if the "App" option is selected, as a push notification; if you don't respond to the push, the request is duplicated to the bot after a couple of minutes.

The request is valid for a limited time. If it has expired, retry the payment in the store.

#Apple Pay and Google Pay

You can add the card to your phone's wallet and pay contactlessly in regular stores. The card is added manually using its details and takes a couple of minutes.

On the card page in Telegram, iPhone has an "Add to Apple Wallet" button, and Android has an "Add to Google Pay" button. It opens a step-by-step guide where you can copy all the required data. This button is not available in the desktop version — you can open the details with the "Details" button.

#iPhone: Apple Pay

1. Open the "Wallet" app and tap "+" in the top right corner.
2. Select "Debit or Credit Card" → "Continue".
3. When the camera opens, tap "Enter Card Details Manually" at the bottom.
4. Enter the name and card number → "Next", then the expiration date and security code → "Next".
5. Read the bank's terms and tap "Agree".
6. On the "Verify Your Card" screen, select the email option → "Next". The address ends with "@pswallet.org" — this is the card's technical address. Choose it, not SMS.
7. The code will arrive wherever is selected in "3-D Secure codes": in the bot, by email, or as a push notification. Enter it in Wallet.
8. The card will appear in Wallet. To pay with it by default, open "Settings" → "Wallet & Apple Pay" → "Default Card".

#Android: Google Pay

1. Open "Google Wallet". If you don't have it, install it from Google Play.
2. Tap "Add to Wallet" → "Payment card" → "New credit or debit card".
3. When the camera opens, tap "Enter details manually".
4. Enter the number, expiration date, CVC, cardholder name, and billing address → "Save".
5. Read the bank's terms and tap "Accept".
6. When Google asks you to verify the card, select the email option, not SMS.
7. Enter the code that arrives in the bot, by email, or as a push notification — depending on what is selected in "3-D Secure codes".
8. To pay with your phone, turn on NFC and select "Google Wallet" as your default app for contactless payments.

#If it doesn't work

• Wallet won't let you add the card. Check your iPhone's region: "Settings" → "General" → "Language & Region". Apple Pay doesn't work in all countries.
• The code didn't arrive within a couple of minutes. Request it again in the wallet app and check which method is selected in "Profile" → "3-D Secure codes".
• A small amount was deducted from your balance. When you add the card, it goes through a verification, and a small fee may be charged for it. This is normal.

#Online and offline

• Online, the card works everywhere Visa is accepted, except for the countries and categories listed in the article Where the card doesn't work.
• In regular stores, you can only pay with your phone via Apple Pay or Google Pay: there is no plastic card.
• Currency. The card is in US dollars. If a store charges in another currency, the amount is automatically converted to dollars.