How do I activate my Physical Card?#

You can activate your card in the OnePay app or online.

In the OnePay app

• From the Home tab, select Track card, or use your phone’s camera to scan the QR code included with your new card.

• Select Activate Your Card.

• Enter the requested information to verify your card.

• Create a 4-digit PIN for your card.

Online

You can also activate your card using one of the following links:

• Physical Card: https://web.onepay.com/link/card

• Credit Card: https://web.onepay.com/credit-card/activate

Once activation is complete, your card will be ready to use.

When will I get my Physical Card?#

Your OnePay Credit Card should arrive via USPS within 7-10 business days. You can track the status of your OnePay card by tapping Track card from the Home tab of the OnePay app.

How do I track my new Physical Card?#

Once your card has been ordered, you will be able to view the order status by tapping at Track card from the Home tab of the OnePay app.

How do I freeze or unfreeze my Physical Card?#

If your card is lost or stolen, or if you notice activity you don't recognize, you can freeze your card in the OnePay app or on the OnePay website. Freezing your card helps prevent new card transactions from being processed.

There are two ways to freeze your cards:

To freeze your physical card only:

• Select Card Details from the OnePay Cash section of the app

• Turn Freeze Card on

To freeze all cards and payments (physical and virtual):

• Go to Home

• Select Checking

• Tap Card Details

• Select Freeze All Cards and Payments

Note: When Freeze All Cards and Payments is turned on, digital wallet, ATM withdrawal and transactions made through a mobile wallet will also be blocked.

To unfreeze, follow the same steps and turn Freeze Card off. Your card can be used for purchases again as soon as the freeze is removed.

What’s the difference between my virtual card and physical OnePay Credit Card?#

Your virtual card is available instantly in the OnePay app and is perfect for online purchases. You can also add it to select mobile wallets, including Google Pay and Samsung Pay, or use it with the OnePay/Walmart Wallet. (Note: The OnePay CashRewards Card cannot be added to Apple Pay.) You can generate a new virtual card number at any time if you need extra security or a replacement.

Your physical card arrives in the mail and can be used in-store wherever Mastercard is accepted. Once you receive it, you can also add it to Google Pay, Samsung Pay, or the OnePay/Walmart Wallet for contactless purchases.

How do I replace my Physical Card if it’s damaged, missing, or stolen?#

You can request a replacement card in the OnePay app.

If your card is missing or stolen, reporting it will deactivate your current card to help reduce the risk of unauthorized transactions.

To replace your card#

• Select the card icon from the Checking or Savings screen of the app

• Tap Replace card

• Choose the reason (damaged, missing, or stolen)

• Confirm your mailing address

• Select Replace My Card to submit

Your new card typically arrives within 7–10 business days. You can check its status by tapping Track card from the Home tab.

If your card was reported as damaged#

• You can continue using your current card until you activate your new one

• Your replacement card will have the same card number, but a new expiration date and security code (CVC)

• Your updated card details will automatically appear in the OnePay app. If your card is saved in Apple Pay or Google Pay, the updated details will reflect there as well

• Most subscriptions and recurring payments may update automatically, but it’s a good idea to check with your providers to avoid interruptions

If your card was reported as stolen#

• Your current card will be deactivated

• Your replacement card will have a new card number, expiration date, and security code (CVC)

• Your new card will appear in the OnePay app

• You'll need to re-add your new card to Apple Pay or Google Pay. You can do this by going to Home > Checking > Card Details and tapping Add to Apple Wallet or Add to Google Pay

• You’ll need to update any subscriptions or recurring payments with your new card details

If your card was reported as missing#

• Your current card will be deactivated

• Your replacement card will have a new card number, expiration date, and security code (CVC)

• Your updated card details will automatically appear in the OnePay app. If your card is saved in Apple Pay or Google Pay, the updated details will reflect there as well

• Most subscriptions and recurring payments may update automatically, but it’s a good idea to check with your providers

Note: OnePay Retail Cards that have not been activated or are activated for limited use cannot be replaced.

What Happens Next?#

• Stolen or Missing Card: Your card will be deactivated immediately to prevent unauthorized purchases. A new card will be mailed to the address on file and should arrive within 7–10 business days. You can track the status of your OnePay card by tapping Track card from the Home tab of the OnePay app.

• Damaged Card: Your current card remains active while the new one is on its way. The replacement will have the same card number but a new expiration date and CVC.

Updating Subscriptions & Payments#

• For stolen or missing cards, you’ll need to manually update your subscriptions and recurring payments with the new card details.

• For damaged cards, most subscriptions will update automatically, but it’s a good idea to double-check with your providers to avoid interruptions.