Card Overview

Understanding Gnosis Pay virtual cards, provisioning, and spending limits

Gnosis Pay issues virtual cards that can be added to Apple Pay and Google Pay, letting users spend directly from their account without a physical card.

Card provisioning

By default, each partner program is configured to issue one virtual card per user. This can be increased if a partner needs multiple cards per user — that’s a configuration decided with the Gnosis Pay team during integration, not something set per-user at runtime.

If your program needs more than one card per user, this needs to be configured during integration. Contact our integration team to discuss.

Adding a card to a mobile wallet

Once issued, a virtual card can be added to following with help of push provisioning:

• Apple Pay
• Google Pay

This lets the user tap to pay with their phone or watch, without needing a physical card.

Card limit vs. account limit

There are two distinct limits that govern how much a user can spend, and it’s important not to conflate them:

	Card Limit	Account Limit
What it governs	Spending through a specific card	The account’s total spendable balance
Default	—	$10,000
Who can configure it	—	User (can set their own, stricter limit) or partner (can apply a custom limit up to the account’s maximum)

The account limit is effectively a cap on spendable balance: by default this is set to $10,000, though a user can choose to set a lower limit on their own account and card for their own spending discipline

See Account Overview for how account-level and partner-level limits interact.