An Apple Pay Virtual Card gives you instant access to digital payments without the wait. We issue virtual credit cards that work with Apple Pay in seconds. Our VCC solution lets you shop online, pay for subscriptions, and manage business expenses without needing a physical card. Get started in minutes from anywhere in the world.
Our Apple Pay prepaid card offers bank-level security you can trust. Each virtual credit card Apple Pay includes advanced fraud protection, custom spending controls, and real-time alerts on every purchase. Perfect for online shoppers, freelancers, and businesses that need flexible payment options. We support Visa prepaid card apple pay with global acceptance at millions of merchants worldwide. Get your Apple Pay credit card today and take control of your digital payments with complete peace of mind.
How to Get Your CardWiseChoice Virtual Card with Apple Pay
Step 1. Sign Up in Minutes
Create your CardWiseChoice account online. No paperwork. No long forms. No waiting.
Step 2. Get Your Virtual Card & Add to Apple Pay Instantly
Your virtual card is ready right away and can be added to Apple Wallet immediately. No approvals. No delays. Just instant access.
Once issued, see your 16-digit card number, CVV, and expiry date in the app, then add it to Apple Pay with one tap.
Step 3. Pay Anywhere Right Away
Use Apple Pay for contactless payments in stores, online shopping, subscriptions, and ads. It works globally wherever Apple Pay is accepted.
Available Virtual Card Options You Can Choose From
Best for contactless payments and in-store shopping. This card instantly connects to Apple Wallet, letting you pay with your iPhone or Apple Watch anywhere Apple Pay is accepted.
👉 Compatible with Apple Pay
👉 Instant addition to Apple Wallet
👉 Contactless payments in stores and apps
👉 Reloadable
👉 One-time card issue fee: $5 (activation required)
👉 Price: $130 USD
Best for everyday online payments. This Visa Standard card is a solid option if you want a simple, reloadable card that works across most platforms.
👉 Visa Standard category
👉 Reloadable virtual card
👉 One-time card issue fee: $5 (activation required)
👉 Price: $120 USD
Best for platforms that prefer US-issued cards. This Mastercard is issued under a USA debit BIN, which helps with acceptance on many global platforms and services.
👉 Mastercard virtual card
👉 USA debit BIN 527520
👉 Reloadable
👉 One-time card issue fee: $5 (activation required)
👉 Price: $100 USD
Best for higher spend and US-based merchants. This Visa card is issued in the US and works well for online payments that check card.
👉 Visa virtual card
👉 USA debit BIN 434769
👉 Reloadable
👉 One-time card issue fee: $5 (activation required)
👉 Price: $150 USD
What Is an Apple Pay Virtual Card (And Does Apple Provide One)?
An Apple Pay virtual card is a card number you use in Apple Pay without showing your real card details. Apple Pay itself does not create true virtual card numbers for most users. What it does use is token tech. This means your real card number is hidden during payments, but the card still comes from your bank.
Apple’s only native option is the Apple Cash virtual card number. It works inside Apple Cash and Apple Pay, but it has limits and is not a full virtual credit card for all use cases. That’s why most users need a bank or app like us to issue a virtual credit card that works with Apple Pay. Our cards protect your real card number, help keep your spend private, and lower the risk of fraud when you shop online or pay in apps.
Virtual Cards That Work With Apple Pay: Your Options
Not all virtual cards work with Apple Pay, but plenty do. We've tested the major providers so you don't have to guess which ones connect to your wallet.
Bank-Issued Virtual Cards Compatible With Apple Pay:
Your bank might already offer this feature. Capital One gives customers Eno, a tool that creates virtual card numbers for online shopping. You can add these cards straight to Apple Pay.
Privacy.com lets you create virtual cards linked to your bank account. Each card gets its own number, and you can pause or close them anytime. The cards work with Apple Pay once you add them to your wallet.
Revolut and Wise both offer virtual cards for their account holders. These work well for travel and international payments. Both connect to Apple Pay without any extra steps.
Check with your bank to see if they offer virtual cards. Many do, but they don't always promote the feature.
App-Based Virtual Cards You Can Add to Apple Pay:
Beyond banks, several apps create virtual cards you can use with Apple Pay. We issue prepaid virtual cards that work globally and connect to Apple Pay instantly.
Buy now, pay later services like Affirm, Klarna, and Sezzle give you virtual cards for purchases. These let you split payments over time and add to Apple Pay for in-store use.
Some crypto platforms offer virtual cards backed by your digital assets. These cards work like regular prepaid cards and connect to Apple Pay.
What to Look for When Choosing a Virtual Card Provider:
Pick a provider based on what matters most to you. Here's what we suggest checking:
Speed matters: Some providers issue cards instantly. Others make you wait days for approval. If you need a card now, check how fast they work.
Know where you can use it: Not all virtual cards work in every country. Check if your provider supports your currency and the places you shop.
Understand the limits: Each card has spending caps and may block certain types of stores. Make sure your provider allows the purchases you need to make.
Control is key: The best virtual cards let you pause, freeze, or delete card numbers with one tap. This keeps you safe if something looks wrong.
Watch for fees: Monthly charges, transaction fees, and currency exchange costs add up fast. We believe in clear pricing with no hidden charges.
How to Add a Virtual Card to Apple Pay (Step-by-Step)
We designed Cardwisechoice to work smoothly with Apple Pay. Follow these simple steps to get your virtual card ready for use.
Adding a Third-Party Virtual Card to Apple Wallet
Most users add a virtual card from us or another provider. The process is quick.
On iPhone
Step-1: Open the Wallet app
Step-2: Tap the + icon
Step-3: Enter your virtual card number, expiry date, and CVV
Step-4: Verify the card by SMS or email
On iPad
Step-1: Open Settings
Step-2: Tap Wallet & Apple Pay
Step-3:Add your card details
Step-4: Complete verification
If a code does not arrive, check your spam folder or try again. If Apple Pay blocks the add, contact us so we can enable wallet use.
Setting Up Apple Cash Virtual Card Number (Apple’s Option)
Apple Cash has its own virtual card number, with limits.
Requirements
iOS 17.4 or later
Apple Cash account
On iPhone
Step-1: Open Wallet
Step-2: Tap Apple Cash
Step-3: Tap the three dots
Step-4: Select Card Number
Step-5: Set up a virtual card number
You can view the card number, expiry, and CVV after setup.
Common Setup Issues and Fixes
Card not supported: Some cards have region or wallet limits
Prepaid card fails: Gift cards often do not work with Apple Pay
Bank rules: Some banks block wallet adds by default
Verify failed: Double-check details or retry after a few minutes
If you run into issues, our support team is ready to help you finish setup fast.
Where and How to Use Your Virtual Card Through Apple Pay
Once your card is added, you can use it in many everyday cases. We built our virtual cards to work where Apple Pay is accepted, with strong safety and clear limits.
In-Store Tap-to-Pay Purchases
You can pay in stores the same way you would with a plastic card. When you tap your phone, Apple Pay uses token security. Your real virtual card number is never shared. Payments work at contactless terminals that accept your card network, such as Visa or Mastercard. If the terminal accepts Apple Pay, your virtual card works.
Online Shopping and Subscriptions
Our virtual cards are ideal for online spend. You can enter the card details on any site, app, or browser. This works well for free trials, monthly subs, and one-time buys. Where supported, you can use single-use cards or lock a card to one store. This helps stop surprise charges and keeps your spend under control.
International Payments and Travel
Our virtual cards support global payments. You can pay overseas stores, apps, and services with less risk than a physical card. Fees and exchange rates depend on the card issuer. Some cards also help you manage rates by holding balances in other currencies.
ATM Withdrawals and Cash Advances
Our virtual cards do not work at ATMs. Apple Cash can allow ATM use with its card number, not tap-to-pay. For cash, we suggest using a linked bank account or a physical debit card instead.
Security, Privacy, and Fraud Protection
How Virtual Cards Protect Your Real Card Number
Your real card stays hidden: A virtual card uses a new number instead of your main card. Stores never see your real details, so leaks don’t touch your bank card.
Easy fix if a number leaks: If a virtual card is exposed, delete it and make a new one in seconds. Your main account keeps working with no stress.
Extra safety with mobile wallets: When you pay with Apple Pay, tokenization adds another shield. The store gets a one-time code, not your card number.
Privacy Benefits: Hiding Transactions From Merchants
Less damage from store data leaks: Even if a store is hacked, the stolen number can’t be used on other sites. Your real card stays safe.
One card per store: Use a different virtual card for each shop or service. This keeps spending split and harder to track.
Know the limit: Your bank or card issuer can still see all payments. Virtual cards hide details from stores, not from your provider.
Controlling and Freezing Virtual Cards
Pause cards fast: You can freeze a card right in the app with tools like Capital One Eno or Privacy.com. No need to cancel your main card.
Delete and replace: If a card looks risky, remove it and create a new number. It takes seconds and stops fraud right away.
Refresh Apple Cash numbers: You can request a new Apple Cash virtual card number anytime via Apple Cash on your iPhone. This keeps old details useless if shared.
Limits, Fees, and Things That Won’t Work
Before you use a virtual card, it’s important to know the limits and the small catches. Most providers set daily or monthly spending caps, and there is often a limit per purchase, so large payments can fail at checkout. Some cards, like Apple Cash, also cap how much you can spend per transaction or within a few days. Virtual cards may not work well at gas stations, hotels, or car rentals because these places use extra holds. Some subscriptions and overseas merchants can also block virtual or prepaid cards. On the cost side, watch for reload fees, foreign fees of around 1–3%, and rare monthly fees. We always suggest checking these details first, so you don’t get stuck or pay more than planned.
Best Practices: Getting the Most From Virtual Cards in Apple Pay
Create one card per subscription: Use a new virtual card for each service. It makes canceling easy and keeps fraud from spreading to other payments.
Set spending limits early: Add a low limit before you pay. This helps block surprise charges and keeps bills under control.
Use merchant-locked cards when you can: Some cards only work with one store. This adds a strong layer of safety if card details ever leak.
Delete cards you no longer use: Old cards can still be charged. Cleaning them up lowers risk and keeps things tidy.
Track which card pays for what: Keep a simple note of each card and service. It saves time when you need to fix a charge or cancel fast.
Test with a small payment first: Before a full plan or big bill, try a small buy. It helps catch issues early and avoids failed payments.
Choosing the Right Apple Pay Virtual CardÂ
An Apple Pay virtual card should work instantly, stay secure, and give you full control. That’s exactly how we built Cardwisechoice. Our virtual cards are designed to work smoothly with Apple Pay, so you can pay online, in apps, and in stores without exposing your real card details.
We focus on real-world use in the Netherlands. From daily shopping to subscriptions, ads, and travel, our cards are made to get accepted and stay easy to manage. No confusing rules. No hidden steps. You see every payment, control every card, and get help fast when you need it.
Built for Apple Pay: Add your virtual card to Apple Pay and pay securely in-store or in supported apps.
Instant setup: Get your virtual card ready to use right away—no waiting, no delays at checkout.
Extra security by design: Your real card number stays hidden. Freeze, delete, or replace cards in seconds.
Full spending control: Set limits, control where cards work, and stop unwanted charges fast.
Works online and offline: Use the same virtual card for Dutch websites, foreign merchants, and Apple Pay tap-to-pay.
24/7 human support: Day or night, our team is available when something doesn’t look right.
Easy team access: Issue cards to staff, contractors, or short-term users without sharing your main account.
Clear tracking: Each card has a purpose. Every charge is easy to follow and manage.
Fits your tools: Simple setup with your existing payment and tracking systems.
A Simple & Smart Apple Pay Virtual Card
Our Apple Pay virtual card from Cardwisechoice is built to make everyday payments simple, safe, and fully digital. Whether you’re a student, freelancer, remote worker, or traveler, everything works online with no complex steps and no branch visits.
We focus on speed, control, and real protection. Your virtual card can be added to Apple Pay for tap-to-pay, while a separate card number keeps your real details hidden when you pay online.
What you get with Cardwisechoice:
Fast online setup: Create your account in minutes and start paying right away.
100% digital experience: Sign up, pay, track spending, and manage cards from your phone—no paperwork.
Apple Pay ready: Use your virtual card for secure tap-to-pay in stores and supported apps.
Multi-currency support: Hold and spend different currencies in one place—ideal for global income and online work.
Stronger online security: Use a virtual card number instead of your main card. Freeze or replace it anytime.
Smart spending control: Set limits, organize payments, and keep budgets on track with clear tracking.
Great for travel: Pay abroad, shop online internationally, and avoid sharing your main card details.
Simple money management: Categorize spending, set budgets, and see exactly where your money goes.
Rewards and referrals: Unlock special benefits for using your card and earn bonuses when you invite friends.
Country and Regional Availability
Before spending time setting up Apple Pay or virtual cards, check whether these services actually work in your country. Regional restrictions vary significantly, and what's available in the U.S. often isn't available elsewhere.
Apple Pay Availability
Apple Pay is available in 70+ countries and regions as of early 2025, but support varies by feature and card issuer.
Regions with broad Apple Pay support:
North America: United States, Canada, Mexico
Europe: Most EU countries, UK, Switzerland, Norway
Asia-Pacific: Australia, New Zealand, Japan, Singapore, Hong Kong, China (limited), UAE, Saudi Arabia
Latin America: Brazil, Argentina, Colombia
What to check in your country:
Does Apple Pay work at all? Visit Apple's official list for your region
Does your bank support it? Not all banks in supported countries participate—check your bank's website
Transit integration: Some countries have Apple Pay but not transit card support
Apple Cash Availability
Apple Cash is only available in the United States.
You must have:
âś… A U.S.-based Apple ID
âś… A U.S. address
âś… A U.S. bank account or debit card for funding
There are no workarounds—Apple Cash cannot be set up or used outside the U.S., even with a VPN.
Frequently asked questions about Apple Pay virtual cards
Can I add a virtual credit card to Apple Pay?
Yes, you can. If your card issuer supports Apple Pay, you can add your virtual card in seconds. At Cardwisechoice, we guide you to providers that work smoothly with Apple Pay so you avoid trial and error.
Is Apple Pay itself a virtual credit card?
No. Apple Pay is a wallet, not a card. It uses a secure card number from your bank or card provider. A virtual card comes from the issuer, then Apple Pay keeps it safe on your device.
How do I add a virtual credit card to Apple Pay?
Open the Wallet app, tap “Add Card,” and follow the steps. Some cards add from the provider’s app, others need manual entry. We explain both options so setup stays simple.
Why can’t I add my virtual card to Apple Pay?
This usually happens if the card issuer blocks Apple Pay or the card is prepaid or gift-based. We help you pick virtual cards that are known to work, so you don’t waste time.
Does a virtual card work for tap-to-pay in stores?
Yes. Once added to Apple Pay, you can tap your phone or watch in stores just like a physical card, as long as the merchant accepts Apple Pay.
Can I use a virtual card with Apple Pay for online shopping and subscriptions?
Yes. You can use it for apps, websites, and recurring payments. Many users choose virtual cards to keep their main card details private.
Is using a virtual card with Apple Pay safe?
Very safe. Apple Pay hides your real card number, and virtual cards add another layer of control. If something looks wrong, you can freeze or replace the card fast.
Do prepaid or gift cards work with Apple Pay?
Some do, many don’t. Support depends on the card brand and country. At Cardwisechoice, we focus on virtual cards that have higher Apple Pay approval rates, so you know what works before you sign up.
