Card Setup & Limits
This article explains how to manage your Tangem Pay cards, view card details, set up Apple Pay or Google Pay, and check account limits.
Your Tangem Pay cards
Once your KYC is approved, you will need to choose your plan (Basic or Plus) and set up your cards. You can manage your card/cards in your Tangem Pay account by tapping the Tangem Pay banner on your Wallet portfolio page. To check card details (card number, Expiry, CVC), tap on the card icon, then Details.
How many cards can I have?
Depending on your plan, you can have up to 5 Tangem Pay cards. Manage multiple cards under a single Tangem Pay account based on your plan tier:
- Basic Plan: Up to 3 cards total
- Plus Plan: Up to 5 cards total
Note: Physical (plastic) cards are separate, standalone cards. Each physical and virtual card counts individually toward your total account limit.
How to add a virtual card?
Please note that opening an additional virtual card incurs a $5 fee, which is charged automatically.
To add a virtual card to your payment account:
- Open your Tangem Pay account in the Tangem app
- Tap the + icon next to your card widget
- Choose Virtual and tap Select
- Tap Issue Card
A new card is typically issued within one minute. In rare cases, the process may take up to 48 hours.
How do I order a physical card?
You can order a plastic card directly in the Tangem app from your Tangem Pay account section.
Step-by-step guide:
- Open your Tangem Pay account in the Tangem app.
- Tap the + icon next to your card widget.
- Select Plastic (swipe right if needed).
- Review your delivery country, estimated delivery time, and delivery fee.
- Tap Select.
Note: If you have already reached your account's maximum card limit, you must close an existing card before ordering a physical one.
How do I change my delivery address for a plastic card?
Physical cards can only be delivered within the country you verified during KYC onboarding. You can change the local delivery address, but it must remain within that same country.
The delivery address is filled in automatically. If you need to change your delivery information, keep the following field rules in mind:
- Country & Email: Set automatically from your verified KYC profile and cannot be changed.
- Name on Card: The name printed on your physical card. Defaults to your account name, but you can edit it.
- First & Last Name: The recipient's name for package delivery. This can be someone else (e.g., a family member) and does not need to match KYC.
- Address Fields: Fill in Region/State, City, Address Line 1, Address Line 2 (optional), Postal Code, and Phone Number.
Note: Address details must be entered using standard Latin letters, numbers, spaces, or allowed symbols (., ,, #, ', /, &, (, )). Non-Latin alphabets (Cyrillic, Chinese, Arabic, etc.) and diacritics (e.g., é, ñ, ü, ć) are not supported and must be transliterated into basic English characters.
How do I track my plastic card delivery?
Once your order is successfully placed, you will receive a confirmation and tracking email from the delivery carrier sent to the email address linked to your Tangem Pay account.
If you need to make changes or have questions about your package while it is in transit, please contact the delivery carrier directly using the details in their email.
Which countries are available for delivery, and how much does it cost?
You can check if delivery is supported for your region directly in the Tangem app when starting your order.
| Tier | First Plastic Card | Additional Cards & Replacement |
|---|---|---|
| Basic | Delivery fee ($15.63–$63.45)* | Delivery fee ($15.63–$63.45)* |
| Plus | Free | Delivery fee ($15.63–$63.45)* |
*Final delivery fee depends on the destination country.
Your estimated delivery timeline and shipping fee will be displayed during the order setup before you confirm.
The delivery fee is deducted directly from your Tangem Pay balance.
Can I cancel my plastic card order?
Once your order is confirmed, it cannot be canceled. Please make sure your delivery address and details are correct before finalizing your order.
Why am I unable to order a plastic card?
If you are having trouble placing an order, it is usually due to one of the following reasons:
- Unsupported delivery region: Shipping is not currently available to your verified country of residence.
- Insufficient balance: Your Tangem Pay account does not have enough funds to cover the delivery fee.
- Card limit reached: You have reached the maximum card limit for your plan (3 cards for Basic, 5 for Plus) and must close an existing card before ordering a new one.
How do I activate my plastic card?
Your plastic card arrives inactive for security reasons and cannot be used for payments until you activate it.
To activate your card:
- Open the Tangem app and go to your Tangem Pay section.
- Select your physical card widget and tap Activate card.
- Enter the last 4 digits of the card number (printed on the physical card) and tap Continue.
Once completed, your card is active and ready to use.
How do I replace or reissue my card?
If your card is lost, stolen, or compromised, you can replace it directly within the Tangem app.
Steps to replace your card:
- Open your Tangem Pay account in the Tangem app.
- Select the card you wish to replace.
- Tap the three dots in the upper-right corner.
- Tap Replace.
Your old card details will stop working immediately once confirmed. This action cannot be undone.
Reissuing a card costs $5. If your balance is too low, you will be prompted to add funds before completing the replacement.
Once reissued, remember to manually re-add your new card to Apple Wallet or Google Wallet to continue using contactless payments.
If you are reissuing a virtual card, new card details are typically generated within 5 minutes (though it can take up to 48 hours in rare cases).
When reissuing a plastic card, you will need to go through the order process. The name printed on the physical card is automatically taken from the First Name + Last Name delivery recipient fields (rather than a separate "Name on Card" field).
Important Warning: If you enter someone else’s name as the delivery recipient (e.g., a family member or friend), that person's name will be printed on the front of your card. Make sure the delivery recipient fields match the exact name you want printed on the physical card before confirming your order.
Can I close my Tangem Pay card?
Yes, you can close a card as long as you have more than one card linked to your Tangem Pay account.
Steps to close a card:
- Open your Tangem Pay account in the Tangem app.
- Select the card you wish to close.
- Tap the three-dot menu in the upper-right corner.
- Tap Close Card.
Note: You cannot close your last remaining card. If you only have one card linked to your account, the Close Card option will be disabled and display the message “You can't close the last card.”
How do I add my Tangem Pay card to Apple Pay?
- Open Apple Wallet on your iPhone
- Tap the + button in the top-right corner
- Select Debit or Credit Card
- Enter your card details manually — card number, expiry date, and the cardholder name exactly as it appears on your verification documents
- Follow the on-screen instructions to verify with the OTP sent to your phone
Alternatively, you can add the card through your iPhone settings under Wallet & Apple Pay.
Note: Apple Pay availability depends on your country or region and is determined by Apple, not Tangem or Rain. If Apple Pay is not available in your region, you will not be able to add your card to Apple Pay — this is an Apple restriction outside of our control. You can check whether Apple Pay is supported in your country on Apple's website here.
How do I add my Tangem Pay card to Google Pay?
- Open Google Wallet on your phone
- Tap Add a card
- Enter your card details manually
- Verify with the OTP sent to your device
Once added to Apple Pay or Google Pay, you can make contactless payments by holding your phone to any compatible terminal and confirming with your biometrics. You do not need your physical Tangem card present.
How to Pay Online with Tangem Pay?
For online purchases, enter your card number, expiry date, and security code at checkout, the same way you would with any other card. Tangem Pay works at any website that accepts standard Visa card payments.
How to Set a PIN for Your Tangem Pay Card?
Setting a PIN allows you to authorise payments at terminals that require one.
- Open Tangem Pay account in the app
- Tap on the card icon
- Select PIN code
- Enter your 4-digit PIN code
Your PIN is now set and ready for use at payment terminals.
How do I freeze or unfreeze my card?
If your card is lost, stolen, or you want to temporarily block it, you can freeze it instantly from the app without closing your account.
- Open your Tangem Pay account in the app
- Tap the card icon
- Select Freeze
Your card is immediately blocked for new transactions. Your balance is unaffected.
To unfreeze and resume using the card, tap Unfreeze from the same screen. The card becomes active immediately.
Note: If your card has been added to Apple Wallet or Google Wallet, it will also appear as Suspended there. Once you unfreeze your card, its status in Apple Wallet or Google Wallet will automatically return to normal.
What are the spending and card limits for Tangem Pay?
These are the current limits for your Tangem Pay account. Limits may vary based on your tier, verification level, account history, and risk profile, and may be adjusted over time.
Basic
Card balance
| Maximum card balance | $10,000 |
| Minimum card value | $0 |
Top-up (load) limits
| Daily load limit | $100,000 |
| Maximum loads per day | 24 |
| Maximum loads per month | 150 |
Point-of-sale (POS) spending limits
| Daily spending limit | $10,000 |
| Annual spending limit | $10,000,000 |
| Maximum POS transactions per day | 100 |
| Maximum POS transactions per month | 1,000 |
Plus
Card balance
| Maximum card balance | $50,000 |
| Minimum card value | $0 |
Top-up (load) limits
| Daily load limit | $100,000 |
| Maximum loads per day | 24 |
| Maximum loads per month | 150 |
Point-of-sale (POS) spending limits
| Daily spending limit | $50,000 per user |
| Annual spending limit | $10,000,000 per user |
| Maximum POS transactions per day | 100 |
| Maximum POS transactions per month | 1,000 |
ATM cash withdrawals are not yet available.
How do I set or change my daily spending limit?
You can set a custom daily spending limit to control how much can be spent on your card in a 24-hour period.
- Open Tangem Pay account in the app
- Tap on the card icon
- Tap on the Edit button in the daily limit field
- Enter your desired limit
- Tap Set limit
Your new limit takes effect immediately and can be changed at any time. The default limit is $50,000 for the Plus plan and $10,000 for the basic plan. Setting it to $0 disables spending entirely, which can be useful as a security measure when the card is not in use.
