# Digital wallets

> Digital wallet payments through Ozow.

Source: https://hub.ozow.com/payment-products/payin/card/digital-wallets/

Apple Pay and Google Pay let your customers pay with a card they've already saved to their phone,
confirmed with Face ID, a fingerprint or their device passcode. There's no card number to type, no
CVV to find and no form to fill in.

Digital wallets are card payments underneath, so everything on the [Card](https://hub.ozow.com/payment-products/payin/card.md) page applies to
them too.

## How your customer pays

1. Your customer reaches the payment step.
2. If they're on a device and browser that supports it, an Apple Pay or Google Pay button appears
   alongside card entry.
3. They tap it, check the amount, and confirm with Face ID, a fingerprint or their device passcode.
4. The payment is confirmed and your customer returns to your site.

## Enabling digital wallets

**Card has to be enabled first.** Digital wallets sit on top of card, you can't have them without
it. If card isn't enabled on your account yet, start there: see [Card](https://hub.ozow.com/payment-products/payin/card.md).

**Wallets are then enabled separately.** They aren't switched on automatically with card. Speak to
your account manager to have them added to your account.

Once both are enabled, the wallet buttons appear on the Ozow payment page for customers whose
devices support them. You don't need to change your integration.

**If you want wallets on your own checkout page** rather than an Ozow screen, that's a separate
build using the [Embedded Wallet](https://hub.ozow.com/integration-methods/apis/payin/embedded-wallet.md), and
Apple Pay requires you to verify each domain you'll display it on. The integration guide covers the
setup.

## Things to know

**They behave like card payments.** Chargebacks, refunds and settlement all work the same way as
card, because that's what they are. See [Card](https://hub.ozow.com/payment-products/payin/card.md) and [Refunds](https://hub.ozow.com/payment-products/refunds.md).

**There's no separate `institutionId` for Apple Pay or Google Pay.** If you're building a standalone
button, use card's; the wallet buttons appear on the card payment screen alongside it.

**Apple and Google set their own button rules.** How the Apple Pay and Google Pay buttons look, how
big they are and where they sit are governed by Apple's and Google's published brand guidelines, not
by Ozow. Follow theirs. Ozow can't grant an exception.

**The Embedded Wallet is a web SDK.** It isn't supported inside native iOS or Android applications.
For payments in a native app, use [Redirect: One
API](https://hub.ozow.com/integration-methods/apis/payin/redirect-to-ozow.md) or web view.

## Integrating digital wallets

**On the Ozow payment page, there's nothing to build.** Once card and wallets are enabled, the
buttons appear automatically wherever your customers reach the Ozow payment page:

- [Redirect to Ozow](https://hub.ozow.com/integration-methods/apis/payin/redirect-to-ozow.md)
- [Embedded iframe](https://hub.ozow.com/integration-methods/apis/payin/embedded-iframe.md)
- [Embedded modal](https://hub.ozow.com/integration-methods/apis/payin/embedded-modal.md)
- [No code payment requests](https://hub.ozow.com/integration-methods/no-code/payment-requests.md)
- [Plugins and platforms](https://hub.ozow.com/integration-methods/plugins-and-platforms.md)

**On your own checkout page, use the Embedded Wallet.** It renders Apple Pay, Google Pay and card
entry in an iframe on your page. This is a separate build with its own requirements, including Apple
Pay domain verification and content security policy allowances.

→ [Embedded Wallet](https://hub.ozow.com/integration-methods/apis/payin/embedded-wallet.md)

**Apple Pay and Google Pay button artwork** must come from Apple and Google directly, under their
brand guidelines. Icons for Ozow's other payment methods are in [Brand
assets](https://hub.ozow.com/payment-products/brand-assets.md).