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 walletsAsk
| 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 workAsk
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
paymentobject, webhooks, and settlement timeline are identical to a standard card payment. - The
payment_method.card.walletfield 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 walletsAsk
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 sectionAsk
Google Pay
Merchant verification, domain setup, and the Google Pay API integration.
Apple Pay
Domain verification, merchant setup, and Apple Pay integration.
See alsoAsk
Cards
The card rail that funds most wallet payments.
3D Secure
How wallet authentication interacts with SCA requirements.
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