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How to pay in-store with your Weel card

  • Updated

Pay in-store with your Weel Primary Card via Apple Pay, Google Pay, or a physical card at any Visa merchant: see Understanding Card Types in Weel - Primary vs Secondary.

Before you start

  • You'll need the Weel mobile app (from the Apple App Store or Google Play Store). For phone-based tap payments, your card also needs to already be added to Apple Wallet or Google Pay. See How to add your card to Apple Wallet and Google Pay if you haven't done this yet.
  • Your selected budget needs enough available funds. Weel cards are linked to specific budgets, so check yours has enough before you pay.
  • Only your Primary Card can pay in-store, whether by phone tap or physical card. Secondary Budget Cards are online-only: they can't be added to a digital wallet or tapped at a terminal. Paying from a different budget below relinks your one Primary Card to that budget; it doesn't add a separate card to your wallet.

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To pay in-store using Apple Pay or Google Pay

  1. Open the Weel mobile app.
  2. Open the Card tab.
  3. Swipe left or right through the carousel to find the budget you want your Primary Card to draw from, or tap the search icon to find a specific budget directly.
  4. Check the Available budget amount to confirm you have enough for your purchase.
  5. Tap the checkbox under Use budget in Apple / Google Wallet to relink your Primary Card to that budget for in-store payments.
    • This checkbox only becomes available once your Primary Card has already been added to your phone's wallet (see "Before you start" above).
  6. Open Apple Pay or Google Pay on your device and select your Weel card.
  7. Hold your phone close to the payment terminal.
  8. Wait for the confirmation beep or notification that the payment is successful.
  9. If prompted, authenticate using your fingerprint, Face ID, or device passcode.

A note on PINs: a PIN isn't a flat "$100 rule": it's a Visa card network security requirement, not something Weel or the terminal decides. A contactless tap over about $100 can trigger it (the same threshold in Australia and New Zealand), and so can several taps in a row or inserting a physical card, which always asks for a PIN regardless of amount. One PIN covers both your physical and virtual Weel card. Set one up in advance, even if you mostly tap with your phone, so you're never caught out at checkout. See How to create a PIN for in-store payments if you haven't already.

Tips for smooth payments

  • Ensure NFC/contactless is enabled on your device.
  • Keep the screen awake while tapping.
  • Retry if the first attempt fails, after confirming the correct budget is selected.

To pay in-store with a physical Weel card

  1. Tap, insert, or swipe your physical Weel Visa Debit card at the terminal.
  2. If prompted to select a payment type, select Credit/CR on the terminal. This processes the transaction over the Visa network and avoids declines.
  3. Despite the "credit" terminology, the payment still draws from the available funds in the budget your Primary Card is currently linked to, just like a virtual card payment.

What happens next

Weel processes your transaction against the selected budget and updates your available limit straight away. You can view it in real time in the Weel mobile app.

If a payment's declined, confirm the correct budget is linked, there's enough available balance, and your card is active and unfrozen. For more help, see How to troubleshoot a declined Weel card payment.

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