Pay with the device already in your hand.
Add your Sezvo card to Apple Pay and Google Pay in under a minute. Your real card number is replaced with a device token, so the number printed on your card never touches the till, the terminal or the merchant. Tap, glance, or check out online — and start spending the moment you open your account, before the physical card lands.
- <60sTo add a card
- 0Times your card number is shared
- 28Currencies you can hold
- 24/7In-app support
From freshly opened account to tap-to-pay in a couple of minutes — no card in your hand required.
When you open an Sezvo account, we issue a virtual card straight away. Before the physical metal card has even been printed, you can add that virtual card to a digital wallet and start spending. The flow is deliberately short: open the card in your Sezvo app, choose Add to Apple Pay or Add to Google Pay, confirm a one-time passcode, and the card is provisioned to your device.
Behind that simple tap, a fair amount happens. Your card details are sent securely to the card network, which generates a unique Device Account Number — a token — that lives only on your phone, watch or tablet. From that moment your spending runs on the token, not on the sixteen digits embossed on the card. You can add the same card to more than one device, and you can add more than one Sezvo card to the same wallet, so a personal and a business card can sit side by side.
- Open the Sezvo app and select the card you want to add.
- Tap Add to Apple Pay or Add to Google Pay — or start from the wallet app itself and pull the card in from Sezvo.
- Confirm the one-time passcode we send to verify it is really you.
- The card is tokenised and ready. Hold the device near a contactless terminal to pay.
The whole process usually takes under a minute, and you never have to type a long card number into a terminal or read it aloud to anyone.
What actually protects your card number — and why a leaked terminal cannot leak you.
Tokenisation is the quiet engine under every digital-wallet payment. Instead of handing your actual card number to a merchant, your device presents a token: a separate number that is useless anywhere else. The merchant, the payment terminal and the merchant's systems only ever see this token, never your real Primary Account Number.
That distinction matters more than it sounds. If a shop's systems are breached and a batch of stored card data is stolen, the tokens captured there cannot simply be replayed at another shop or typed into a website — they are bound to your specific device and are validated with a one-time cryptogram for each transaction. The number on your physical card stays out of the blast radius entirely.
Each payment is signed with a dynamic cryptogram that is unique to that single transaction. Even if someone intercepted the data flying between your device and the terminal, there is nothing in it they could reuse. This is why a digital-wallet tap is widely regarded as more secure than swiping or even inserting a physical card.
- Your card number is never shared. Merchants receive a device-specific token, not your real number.
- Every payment is one-time. A per-transaction cryptogram means captured data cannot be replayed.
- Tokens are scoped to the device. Lose the device and you can kill its token without reissuing the card.
The same tokenised card for taps in the real world and one-tap checkout on the web.
In a shop, café or on transit, hold your device near the reader and authenticate — Face ID, a fingerprint, or your device passcode. Because your Sezvo card runs on Mastercard, it works anywhere contactless cards are accepted, which is the overwhelming majority of terminals across the EEA, the UK and most of the 160+ countries we cover. There is no separate contactless limit to worry about the way there is with a plain physical tap: a wallet payment is authenticated by you on the device, so it is treated as a verified, higher-trust transaction.
Online, the same token does the work. On apps and websites that support Apple Pay or Google Pay, you skip the card form entirely — no typing your number, expiry and security code into a checkout page that you have to trust. You confirm with biometrics and you are done, with your real card details never exposed to the site. For everyday spending across 28 currencies, you can hold balances in your Sezvo account and let the card draw from the right one, so a tap in another currency does not mean a surprise conversion fee.
Each payment lands in your app as a real-time notification with the merchant, amount and currency, so you always know what just happened the instant it happens. If something looks wrong, you can freeze the card from the same screen in a single tap.
Leave the phone in your bag — pay from your wrist.
Your Sezvo card can live on more than a phone. Add it to a paired Apple Watch and you can pay from your wrist with a double-press of the side button — no phone, no card, no unlocking anything. On Wear OS watches, Google Pay does the same job.
Wearables are genuinely convenient for the moments a phone is awkward: a run, a commute with full hands, a quick coffee. The security model is the same as on the phone — a wearable holds its own device token, distinct from the one on your handset, and is protected by wrist-detection so it locks the moment it leaves your skin. If a watch is removed, it asks for its passcode before it will pay again.
- Apple Watch — double-press the side button and hold to the reader.
- Wear OS smartwatches via Google Pay.
- Each wearable carries its own token, so you can remove a single device without disturbing the others.
Spend the day you sign up — your card is ready before the metal arrives.
You do not have to wait for a plastic — in our case, metal — card to start using Sezvo. The moment your account is open and verified, we issue a virtual card you can add to Apple Pay or Google Pay immediately. That means you can be paying for lunch on day one, while the physical card is still being personalised and posted to you.
The virtual card is a fully functioning card in its own right: it has its own number, works for contactless and online payments, and can be frozen, given spending limits, or replaced independently of the physical card. Many people keep using the virtual card in their wallet as the primary way to pay even after the metal one arrives, and reserve the physical card for the rare places that still want a chip-and-PIN insert.
Need a fresh number for a one-off subscription or an unfamiliar merchant? You can generate disposable virtual cards that you burn after a single use, keeping your main card number well away from sites you would rather not trust. All of it sits inside the same Sezvo app, alongside your savings vaults, transfers and the rest of your money.
What happens the moment a phone goes missing — and why your money stays safe.
Losing a phone is stressful, but a tokenised card is built for exactly that moment. Because your card number was never stored on the device — only a token was — a thief cannot read your real card number off a lost handset. To make a payment at all, they would still need to defeat your Face ID, fingerprint or device passcode, since every wallet transaction is authenticated on the device.
If a device does go missing, you have several fast options, and they stack:
- Freeze the card in the Sezvo app from any other device, instantly stopping all spending while you decide what to do.
- Remove the specific token for the lost device in the app, so that wallet can no longer pay — without cancelling the card or disturbing your other devices.
- Use Find My or Find My Device from Apple or Google to mark the handset as lost, which suspends its wallet remotely even before you reach us.
- Message our 24/7 in-app support if you want a hand, or to reissue the card entirely.
Crucially, freezing or wiping a device does not touch your other devices or your account balance. Your watch, tablet and any other phone keep working, and your funds stay where they are.
Where digital wallets work, and the fine print worth knowing.
Apple Pay works on a compatible iPhone, Apple Watch, iPad and Mac with Touch ID or Face ID, using the wallet built into iOS, watchOS, iPadOS and macOS. Google Pay works on Android phones and Wear OS watches that meet the platform's security requirements. In both cases the device needs to be running a supported, up-to-date operating system and to have NFC available for in-store taps.
Sezvo is operated by UAB Aušra Pay, a licensed electronic money institution authorised and supervised by the Bank of Lithuania and passporting across the European Economic Area. Accounts come with Lithuanian (LT) IBANs and our BIC is OCENLT22. Digital-wallet availability follows where the Apple Pay and Google Pay services themselves operate and where our card programme is offered; we serve customers across 160+ countries, though specific features can vary by region and by what each wallet provider supports locally.
Acceptance in shops depends on the merchant's terminal supporting contactless, which is now near-universal across our core markets. If you ever meet a terminal that does not, your physical Sezvo card with chip and PIN is the fallback. Wallet support and regional availability evolve over time, so the in-app experience is always the source of truth for your device.
- Apple PayiPhone, Apple Watch, iPad and Mac, authenticated with Face ID, Touch ID or your device passcode.
- Google PayAndroid phones and Wear OS watches, with biometric or passcode confirmation on every payment.
- Tokenised by defaultYour real card number is replaced with a device token and never shared with merchants.
- Instant virtual cardIssued the moment your account opens, so you can pay before the metal card arrives.
- Disposable card numbersGenerate single-use virtual cards for unfamiliar merchants and one-off subscriptions.
- One-tap freezeStop all spending instantly from the app, and unfreeze just as quickly when you are ready.
- Real-time notificationsEvery tap and online payment lands in your app the instant it happens, with merchant and amount.
- Per-device controlRemove the token from a single lost device without cancelling the card or touching the others.
- Multi-currency spendingHold 28 currencies and let your card draw from the right balance when you tap abroad.
Common questions.
- Is paying with a digital wallet safe?
- Yes — it is generally more secure than using the physical card. Your real card number is never given to merchants; a device-specific token is used instead, and every payment carries a one-time cryptogram that cannot be replayed. Each transaction is authenticated by you with Face ID, a fingerprint or your device passcode.
- What is tokenisation, in plain terms?
- When you add your card to a wallet, the card network creates a separate number — a token — that lives only on your device. That token, not your real card number, is what merchants see. If a shop is breached, the token captured there is useless elsewhere because it is bound to your device and validated with a per-transaction code.
- Can I pay before my physical card arrives?
- Yes. Sezvo issues a virtual card the moment your account is open and verified. Add it to Apple Pay or Google Pay and you can spend straight away — in shops, online and on wearables — while the metal card is still being printed and posted.
- Which devices can I use?
- Apple Pay works on a compatible iPhone, Apple Watch, iPad and Mac running a supported, up-to-date operating system. Google Pay works on Android phones and Wear OS watches that meet the platform's security requirements. In-store taps need NFC on the device.
- Can I add my card to a smartwatch?
- Yes. Add the card to a paired Apple Watch and pay with a double-press of the side button, or to a Wear OS watch via Google Pay. Each wearable holds its own token and is protected by wrist-detection, so it locks the moment it leaves your skin.
- What happens if I lose my phone?
- Your real card number was never on the device, so it cannot be read off a lost handset, and no payment works without your biometrics or passcode. From any other device you can freeze the card, remove just that device's token, or use Find My / Find My Device to suspend the wallet. None of this touches your other devices or your balance.
- Does freezing the card on a lost device affect my watch?
- No. You can remove the token for a single device — say the missing phone — and every other device, including your watch and tablet, keeps working. If you prefer, freezing the whole card stops all spending everywhere until you unfreeze it.
- Can I use the wallet for online shopping?
- Yes. On apps and websites that support Apple Pay or Google Pay, you check out with biometrics instead of typing your card details. The site never sees your real card number, which removes a whole category of risk compared with entering card data into a checkout form.
- Is there a contactless limit on wallet payments?
- Wallet payments are authenticated by you on the device, so they are treated as verified transactions rather than anonymous taps. That means you are not constrained by the small-value contactless cap that applies to a plain physical tap, subject to your own card limits and the merchant's terminal.
- Can I add more than one card, or use more than one device?
- Both. You can add several Sezvo cards — for example a personal and a business card — to the same wallet, and you can add the same card to multiple devices. Each device gets its own token, which you can manage independently in the Sezvo app.
- Will I pay extra to use a digital wallet?
- Sezvo does not charge a fee for adding your card to Apple Pay or Google Pay or for paying with them. Standard card and account terms apply to the underlying transaction, including any currency conversion when you spend in a currency you do not hold across your 28 supported currencies.
- Is my money protected?
- Sezvo is operated by UAB Aušra Pay, a licensed electronic money institution supervised by the Bank of Lithuania. Customer funds are safeguarded in line with EMI rules, and eligible deposits are protected up to €100,000 under the applicable deposit guarantee scheme. Sezvo is an e-money institution rather than a traditional bank, so safeguarding — not the deposit guarantee — is the primary protection for e-money balances.