Guide
Putting your business's cards in Apple Wallet
Apple Wallet and Google Wallet are the most widely installed apps a business will ever reach a customer through, and nobody has to be persuaded to install them. This is what a card in them can carry, and where the limits are.
Updated
At a glance
- Platforms
- Apple Wallet and Google Wallet
- Delivery
- QR, SMS, email or a link
- Time
- About 10 seconds
- What a pass alone cannot do
- Hold a chargeable balance
Updated
What a Wallet card is, and is not
A Wallet card is a pass: a small, signed bundle of fields, an image and a code, which the wallet app renders and keeps updated. It can show a balance, a barcode, an expiry date and a location trigger.
What it is not is an account. The number on the front is whatever the issuer last wrote there, and nothing about the pass itself prevents that number from being wrong, out of date, or spent twice at two tills.
That is why a payment programme needs a ledger behind the pass: the pass is how the customer sees and presents the card, and the ledger is what makes the balance true.
- Passes update in the background; a balance change reaches the phone without the customer doing anything.
- A pass can carry a location trigger, so the card surfaces on the lock screen near a store.
- Losing the phone does not lose the balance, because the balance never lived on the phone.
Getting a card onto a phone
- 01
Design the pass
Issuer name, logo, colours and which fields appear on the front and back.
- 02
Publish a way to get it
A QR on a poster or receipt, a link in an SMS or email, or a screen at the counter.
- 03
The customer adds it
Camera, tap, done — no account, no form, no app store.
- 04
Keep it current
Balance and status push to the pass automatically as transactions settle.
Practical limits
- Offline
- The pass displays offline; paying needs connectivity
- Design changes
- Push to existing passes, no reissue needed
- Expiry
- Supported, and enforced by the ledger rather than the pass
- Multiple cards
- One person can hold several, each a separate account
- Branding
- Fully the issuer's; white-label available
- Certification
- Held by us for both platforms — you do not apply
Questions about this
What is a closed-loop payment platform?
It lets you issue and process payments inside your own ecosystem — gift cards, prepaid balances, employee accounts — without routing every transaction through Visa, Mastercard or a bank. The funds stay in your system, so the fees, the data and the customer experience are yours to set.
Do my customers need to install an app?
No. Cards issue straight to Apple Wallet or Google Wallet, which are already on every phone. The customer scans a QR code with the camera, taps “Add to Wallet”, and the card is there in about ten seconds. No download, no account, no registration form.
Does it work with my existing POS terminal?
Yes. The cashier enters the amount on the terminal you already run, the terminal shows a QR code, and the customer scans it with their own phone. That works on any terminal that can draw a QR on screen, which covers modern PAX, Verifone and Ingenico fleets. If there is no terminal at all, staff can run the same flow from a phone.
Do you handle online payments too, or just POS?
Both, on one balance. There is a checkout widget for merchant sites and a direct embedding into PSP gateways as a payment method. One admin panel, one transaction ledger, one reporting stream — offline and online together.
How does 7Konto embed into a PSP checkout?
7Konto appears as a new payment method inside your existing checkout, next to the cards and wallets you already offer. Every merchant on that gateway sees “Pay with 7Konto” without changing a line on their own site: we integrate once with the gateway, and the whole portfolio has it.
Put a real balance behind your Wallet card
A free 30-day pilot, configured and supported by our team.