Card Setup & Limits

This article covers your virtual card details, how to add it to Apple Pay or Google Pay, account limits, and supported tokens.

Your virtual card

Once your KYC is approved, you receive a virtual Visa card. You can view your card number, expiry date, and security code inside the Tangem app by tapping the Tangem Pay banner on your portfolio page, then tapping on your card icon and then tapping ‘Show details’.

Note: on iPhone, taking a screenshot while card details are displayed will not capture the card data — this is a security measure built into the app.

Physical cards are not available at this time, but they are planned for future updates.

Adding your card to Apple Pay

1. Open Apple Wallet on your iPhone
2. Tap the + button in the top-right corner
3. Select Debit or Credit Card
4. Enter your card details manually — card number, expiry date, and the cardholder name exactly as it appears on your verification documents
5. 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 at on Apple's website here.

Adding your card to Google Pay

1. Open Google Wallet on your phone
2. Tap Add a card
3. Enter your card details manually
4. 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.

Paying online

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.

Setting a PIN for your card

Setting a PIN allows you to authorise payments at terminals that require one.

1. Open the Tangem Pay account in the app
2. Tap on the card icon
3. Select PIN code
4. Enter your 4-digit PIN code
5. Tap Submit to confirm

Your PIN is now set and ready for use at payment terminals.

Freezing and unfreezing your 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.

1. Open the Tangem Pay account in the app
2. Tap the card icon
3. Select Freeze Card

Your card is immediately blocked for new transactions. Your balance is unaffected.

To unfreeze and resume using the card, tap Unfreeze Card 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.

Replacing your card

If your card details have been compromised or you need a new set of card details for any reason, you can replace your card from within the app.

1. Open the Tangem Pay account in the app
2. Tap on the card icon
3. Tap on the three dots in the upper-right corner
4. Tap Replace
5. Tap Replace card to confirm

Your new card details are generated immediately. Your old card details stop working straight away and this action cannot be undone. The replacement typically completes within 5 minutes, but may take up to 48 hours in some cases.

If your balance is insufficient to cover the $1 fee, you will be prompted to add funds before proceeding.

Note: To use the card for contactless payments at in-store POS terminals, you will need to add the new card to your Apple Wallet or Google Wallet.

Can I link external wallets (Ledger, MetaMask, etc.)?

No. Tangem Pay can only be linked to a Tangem Wallet through the Tangem app. External wallets are not supported.

Account limits

These are the current limits for your Tangem Pay account. Limits may vary based on your verification level, account history, and risk profile, and may be adjusted over time.

Card balance

Top-up (load) limits

Point-of-sale (POS) spending limits

ATM withdrawals

ATM cash withdrawals are not yet available.

Setting a daily limit

You can set a custom daily spending limit to control how much can be spent on your card in a 24-hour period.

1. Open Tangem Pay account in the app
2. Tap on the card icon
3. Tap on the Edit button in the daily limit field
4. Enter your desired limit
5. Tap Set limit

Your new limit takes effect immediately and can be changed at any time. The default limit is $50,000. Setting it to $0 disables spending entirely, which can be useful as a security measure when the card is not in use.

Supported tokens

Tangem Pay only supports USDC on the Polygon network. This is the only token that can be used to fund your account and the only token held in your Tangem Pay smart contract.

Sending any other token — including USDC on other networks, or any other cryptocurrency — to your Tangem Pay address will result in permanent loss of those funds. Other tokens cannot be recovered, converted, or returned. Always verify you are sending USDC on Polygon before confirming any transfer.

How many cards can I have?

You can add up to three Tangem Pay cards to your Tangem Pay account.

You can use this option to diversify your payments or use a different card for online purchases, helping ensure that your main card details are not compromised.

Please note that opening an additional card incurs a $5 fee, which is charged automatically.

To add a card to your payment account:

1. Open your Tangem Pay account in the Tangem app
2. Tap the + icon next to your card widget
3. Tap Issue Card

A new card is typically issued within one minute. In rare cases, the process may take up to 48 hours.

Note: any additional cards are associated with the same payment account and cannot be connected to another wallet.

Can I close my Tangem card?

You can close the card only if you have more than one Tangem Pay card linked to your Tangem Pay account.

Here is how you can do it:

1. Open the Tangem Pay account.
2. Tap on the card’s icon.
3. Tap on the three dots in the upper-right corner of the screen.
4. Tap Close Card.

Note: If you have only one card linked to your Tangem Pay account, when trying to close it, you will see “You can't close the last card” on the Close Card option.