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Manual provisioning is when the cardholder adds a card to their wallet by typing in the card details. It works out of the box for every card program with no integration work. If you do nothing, your cardholders can still add their cards this way.

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How it works

1

Open the wallet app

The cardholder opens Apple Pay or Google Pay and chooses to add a payment card.
2

Enter the card details

The cardholder enters the card number, expiry date, and CVV. They can read these from a physical card, or from your app if you show them through a secure display.
3

Agree to the terms

The wallet app shows the card program terms, which the cardholder accepts.
4

Verify with a one-time passcode

The wallet provider asks the cardholder to confirm the card with a passcode. Reap delivers it automatically. See Identity verification.
The exact steps vary by device, operating system version, and wallet app. The flow above is the common path.

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What you need to do

Nothing is required to enable manual provisioning. Two things make it reliable:
  • Keep the cardholder’s contact details accurate. The verification passcode goes to the email or phoneNumber on the user record, whichever the cardholder picks. See Identity verification.
  • Make card details easy to find. For virtual cards, cardholders cannot copy a number off a physical card, so give them a secure display in your app to read the details from.
For a one-tap flow that skips manual entry entirely, build push provisioning.