Physical Card Activation, Management, and Replacement
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In this article
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In this article
What is a Physical Card?#
A physical card is the plastic card connected to your OnePay Cash account used to make purchases or withdrawals.
The following physical cards are available for OnePay Cash account customers:
OnePay Debit Card
The Retail Card is not a standard physical card. Special restrictions may apply.
How do I activate my Physical Card?#
Select Track card from the Home tab of the OnePay app
Select Activate Your Card from the Home tab or use your mobile phone camera to scan the QR code that came with your new card
Enter the requested details to verify your card information
Set a four-digit card PIN
You can also tap here to activate your card and set your PIN in the OnePay app.
When will I get my Physical Card?#
In most instances, your Physical Card should arrive via USPS within 7-10 business days after you open your OnePay Cash account or upgrade to Builder Card.
Can I have more than one Physical Card on my account? #
No, you can only have one active physical card on your account at a time. Customers also have a OnePay virtual debit card for use where credit cards are not accepted.
How do I set and change my Physical Card PIN?#
To update the PIN for your card:
Select the card icon from the OnePay Cash section of the OnePay app
Select Change card PIN
Enter and confirm your new PIN
Select Set PIN
Your PIN will be set and immediately ready for use
You can also tap here and select Change card PIN to change the PIN for your card in the OnePay app.
How do I freeze my Physical Card?#
If your card is temporarily misplaced and you do not have any suspicious activity on your card, you can freeze your card:
Select the card icon from the OnePay Cash section of the OnePay app
Select the option to toggle it to ON next to Freeze Card
To freeze your card in the OnePay app, tap here and toggle the Freeze Card button ON.
You can continue to use your card in your mobile wallet while your physical card is frozen. Subscriptions and recurring payments on your card will also continue to be processed while your card is frozen.
To unfreeze your card, follow these steps above or tap here and toggle the Freeze Card button back OFF.
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 know if I have a OnePay Debit Card or a Builder Card?#
OnePay Debit Cards will have 'Debit' printed on the front of the physical card, opposite the OnePay logo. The Builder Card does not display the word Debit on the physical card. Additionally, Builder Card customers also have a OnePay virtual debit card for use where credit cards are not accepted.
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 OnePay Cash section 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 and in Apple Pay or Google Pay
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 add your new card to Apple Pay or 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 and in Apple Pay or Google Pay
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.