Every Swipey user gets a prepaid VISA card — the type you receive depends on your plan and what your Admin assigns to you. Here's everything you need to know about the difference.
At a Glance
| Virtual Card | Physical Card | |
 |  | |
| Colour | Light blue | Dark blue |
| Available on | All plans including Freemium | Growth and Plus plans only |
| Cards per user | Plus plan: Up to 5 Growth plan: Up to 3 Fremium plan: 1 | Plus plan: Up to 2 Growth plan: Up to 1 Fremium plan: None |
| Use for online payments | ✅ | ✅ |
| Use at physical stores | ❌ | ✅ |
| PayWave / contactless | ❌ | ✅ |
| Chip and PIN | ❌ | ✅ |
| Available instantly | ✅ | ❌ (Delivered by post) |
| Accessible via | Swipey mobile app | Physical card + mobile app |
Virtual Cards
Virtual cards are available on all plans and are ready to use the moment your account is set up — no waiting, no delivery.
You access your virtual card through the Swipey mobile app. Use it for any online payment where a VISA card is accepted (subscriptions, SaaS tools, e-commerce, digital advertising, and more).
How to view your card details:
- Open the Swipey mobile app and tap the Cards tab at the bottom
- Tap Show Card Details and complete verification
- Your 16-digit VISA card number, expiry date and CVV will appear — use these details at any online merchant
Tip: Keep your card details private. Never share your CVV with anyone.
To learn how to access your Virtual Card, click here.
Physical Cards
Physical cards are available on Growth and Plus plans only. Your Admin assigns a physical card to you. Once assigned, you will receive an email with the tracking number and the delivery is expected to take approcimately 7 to 10 working days. Use your physical card anywhere that accepts VISA (retail stores, restaurants, petrol stations, groceries, and online).
Payment methods supported:
- Chip and PIN — insert your card and enter your PIN
- VISA PayWave — tap to pay contactless
Note: For your first in-store payment, always use the Chip and PIN method. This activates the PayWave functionality on your card.
Can I Hold Both?
Yes — you can hold a virtual card and a physical card at the same time. Your Admin assigns cards when inviting you, or can issue additional cards at any time. The number of cards you can hold depends on your company's plan.
If you need an additional card, speak to your Admin or contact us through Whatsapp to know more.
Which Plan Gets What?
| Plan | Virtual Cards | Physical Cards |
| Freemium | 1 per user | ❌ Not available |
| Growth | 3 per user | 1 per user |
| Plus | 5 per user | 2 per user |
Need Help?
If you’re unsure or want someone to guide you through it, we’re here.
💬 Chat with us on WhatsApp
📞 Book a 30 min session and we’ll guide you through using Swipey
Common Questions
My PayWave isn't working — what do I do?
PayWave needs to be activated with your first chip and PIN transaction. If you've already done that and PayWave still isn't working, contact us on WhatsApp.
I haven't received my physical card — how long does delivery take?
Physical card delivery typically takes 5–7 business days after your Admin issues it. If it's been longer, reach out to us and we'll check the status.
Can I use my virtual card for in-store payments?
No — virtual cards are for online payments only. For in-store purchases you'll need a physical card.
What if I lose my physical card?
Freeze your card immediately from the Swipey mobile app or contact your Admin to freeze it from the dashboard. Learn how to freeze a card →
