Add your debit card to your digital wallet
About adding a debit card to a digital wallet
Square Debit Card gives you access to spend the funds in your Square balance. Before you receive your physical card, you can add your digital debit card to your digital wallet to access your funds.
Digital wallets make credit and debit cards available on your smartphone and store your card information securely on your device. When you add your Square Debit Card to your digital wallet, you can make purchases without your physical card. You can complete a payment by tapping your phone at NFC-enabled payment terminals for in-person transactions, or in-apps and online on your device.
Learn more about payment tokenization.
Before you begin
Digital wallets are only available on smartphones. Tablets are not supported.
If you’ve added other cards to your digital wallet before you added your Square Debit Card, you’ll need to hold and drag your debit card to the top of the card list to make it your default card. If you don’t want it as your default card, select the Square Debit Card image from the list when paying.
The daily spending limit for your virtual debit card is $5,000 per day.
Access your virtual debit card
- Sign in to Square Dashboard and go to Banking > Balance.
- Select a location and click the gear icon.
- Click Checking Settings > Show card info.
- A confirmation code will be sent to the cardholder’s email address for verification.
- Enter the confirmation code and click Next. If you didn’t receive the email, check your spam folders. You can resend the email by clicking Resend email.
- The debit card information will be displayed on the virtual card on your screen.
- To hide the virtual card information, go to the navigation menu and click Hide card info.
Access your debit card to your digital wallet
When Apple or Google enables a physical card for digital wallet usage, they replace the physical card’s primary account number (or PAN, the 16-digit number on the card) with a series of randomly generated numbers, also known as the token. These tokens are used to process the payment without bank account details being shared.
A Square Debit Card is usually ready to use on Apple Pay within five minutes, and instantly with Google Pay.
- Open the Square POS app and tap More > Balance.
- Select Checking > Add to Apple Pay.
Apple lets you select your billing address when adding a card to your digital wallet. This is not necessarily the same as the one for your physical card, which you can see in the Square POS app under Billing Address.
- Open the Square POS app and tap More > Balance.
- Select Checking > Add to Apple Pay.
Google uses the same billing address that’s on file with your device for digital card. If that doesn’t work, it will try to use your billing address for the physical Square Debit Card, which you can see in the Square POS app under Billing Address. Otherwise, you will be prompted to enter your billing address when completing a payment.
Use your digital wallet
Use your debit card from your digital wallet to make payments, such as:
In-Store: Hold your phone up to an in-store payment terminal instead of swiping your debit card and your digital wallet will automatically launch. You can then complete a payment using Apple Pay or Google Pay.
Online: When shopping online, some websites let you select your digital wallet as your payment option instead of entering your card information.
In-App: You can use your digital wallet for in-app purchases and pay conveniently while on the go.
Note: If your Square Debit Card isn't your default digital card, then you will need to select it from the list before confirming the transaction.