> ## Documentation Index
> Fetch the complete documentation index at: https://gnosispay-feat-v2-docs.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Card Overview

> Understanding Gnosis Pay virtual cards, provisioning, and spending limits

Gnosis Pay issues **virtual cards** that can be added to Apple Pay and Google Pay, letting users spend directly from their account without a physical card.

## Card provisioning

By default, each partner program is configured to issue **one virtual card per user**. This can be increased if a partner needs multiple cards per user — that's a configuration decided with the Gnosis Pay team during integration, not something set per-user at runtime.

<Note>
  If your program needs more than one card per user, this needs to be configured during integration. Contact our integration team to discuss.
</Note>

## Adding a card to a mobile wallet

Once issued, a virtual card can be added to following with help of push provisioning:

* **Apple Pay**
* **Google Pay**

This lets the user tap to pay with their phone or watch, without needing a physical card.

## Card limit vs. account limit

There are two distinct limits that govern how much a user can spend, and it's important not to conflate them:

|                          | Card Limit                       | Account Limit                                                                                              |
| ------------------------ | -------------------------------- | ---------------------------------------------------------------------------------------------------------- |
| **What it governs**      | Spending through a specific card | The account's total spendable balance                                                                      |
| **Default**              | —                                | \$10,000                                                                                                   |
| **Who can configure it** | —                                | User (can set their own, stricter limit) or partner (can apply a custom limit up to the account's maximum) |

The **account limit** is effectively a cap on spendable balance: by default this is set to **\$10,000**, though a user can choose to set a *lower* limit on their own account and card for their own spending discipline

<Info>
  See [Account Overview](/concepts/accounts/account#account-spending-limits) for how account-level and partner-level limits interact.
</Info>