# Wallets

> Accept Google Pay, Apple Pay, and other digital wallets with VINR.

Digital wallets let customers pay using payment methods stored on their device or in an app — without entering card details at checkout. The underlying funding source is typically a card; VINR receives a network token representing it, so the payment flows through the same card rails with the same settlement timing.

Wallets reduce friction at checkout: the customer authenticates with Face ID, Touch ID, or a device PIN rather than typing a 16-digit card number, which typically increases conversion on mobile.

## Supported wallets

| Wallet     | Surfaces                                    | Authentication                |
| ---------- | ------------------------------------------- | ----------------------------- |
| Google Pay | Android Chrome, any browser with saved card | Biometric / PIN               |
| Apple Pay  | iOS Safari, macOS Safari, in-app (iOS)      | Face ID / Touch ID / passcode |

> In Bulgaria, Apple Pay and Google Pay adoption is growing across all major issuing banks. Both wallets work for all cardholders regardless of which bank issued their card — VINR handles the tokenization at the network level.

## How wallets work

A wallet payment follows the same lifecycle as a card payment — authorization and capture — with one additional step: the device generates a **network token** (a one-time cryptogram tied to the transaction) rather than transmitting the raw card number. VINR decrypts this token and presents it to the card network on your behalf.

From your perspective:

- The `payment` object, webhooks, and settlement timeline are identical to a standard card payment.
- The `payment_method.card.wallet` field identifies the wallet provider (`apple_pay`, `google_pay`).
- 3D Secure is typically not required for wallet payments — the device authentication satisfies SCA for most European transactions.

## Enabling wallets

Enable wallets in the VINR Dashboard under **Settings → Payment methods**. Once enabled, wallets appear automatically in the hosted checkout for eligible devices and browsers. No code changes are required for the standard hosted flow.

## In this section

[Google Pay](/docs/payments/payment-methods/add-payment-methods/wallets/google-pay) — Merchant verification, domain setup, and the Google Pay API integration.

[Apple Pay](/docs/payments/payment-methods/add-payment-methods/wallets/apple-pay) — Domain verification, merchant setup, and Apple Pay integration.

## See also

[Cards](/docs/payments/payment-methods/add-payment-methods/cards) — The card rail that funds most wallet payments.

[3D Secure](/docs/payments/3d-secure) — How wallet authentication interacts with SCA requirements.