Just tap & go: Pay It Now’s Web3 Mastercard is Apple Pay & Google Pay compatible
1) Why this matters for everyday crypto users
You’ve probably heard about crypto debit or prepaid cards, but many still require clunky conversions, separate apps at the point-of-sale, or they don’t integrate with mobile wallets. Pay It Now’s Web3 Mastercard solves the friction: it behaves like a normal Mastercard for merchants and like a tokenised card inside Apple Wallet or Google Wallet for you — so payments are fast, familiar, and protected by the same device-level safeguards your phone already uses.
2) How Pay It Now’s Web3 Mastercard works (plain language, expert view)
Think of the card as a virtual Mastercard that sits inside your Pay It Now wallet (the PIN Network App). When you spend, Pay It Now converts the crypto you choose into fiat behind the scenes and passes the transaction through Mastercard infrastructure — merchants just see a Mastercard. For mobile payments, the virtual card is tokenised and added to Apple Wallet or Google Wallet, which means your physical card number isn’t exposed at checkout. The flow looks like:
You hold crypto in your Pay It Now wallet.
You add the Pay It Now Web3 Mastercard to Apple Wallet / Google Wallet.
At checkout you tap your phone — Apple/Google Wallet provides a token to the terminal.
Mastercard and Pay It Now handle settlement; the merchant is paid in fiat.
This gives you the normal merchant acceptance of Mastercard plus the convenience of mobile wallets — no awkward card readers, no merchant-side crypto requirements.
3) Security: what protects your money
Mobile wallet payments are protected at several levels:
Device security / Secure Element: On iPhones and many Android devices, the card token is stored in a hardware-protected area (the Secure Element). That means the real card number isn’t shared with the terminal.
Tokenisation: Apple Wallet and Google Wallet use tokenisation — unique payment tokens are used for each device/transaction instead of your primary account number.
Mastercard protections: For disputes, chargebacks and merchant acceptance, Mastercard’s network rules apply; the Pay It Now card operates under Mastercard rails so merchant acceptance is broad.
As with any crypto-on-ramp product, also protect your app login with a strong passcode, device biometrics, and two-factor authentication (if available).
4) How to Download Crypto Wallet NZ and add Pay It Now’s Web3 Mastercard (step-by-step)
If you want to get started in New Zealand right now, here’s a simple, safe path — and yes, this is how to Download Crypto Wallet NZ (Pay It Now’s wallet) and enable mobile tap-to-pay.
Step 1 — Download the app
Open the Apple App Store or Google Play Store and search for PayItNow or visit the official site and use the store links. (Tip: verify the developer/publisher is Pay It Now.)
Step 2 — Create and verify your account
Register with email and follow KYC prompts (Pay It Now operates as a regulated NZ/AU crypto payment provider). Upload ID if required.
Step 3 — Add funds
Transfer crypto into your Pay It Now wallet, or buy crypto inside the app if that feature is available.
Step 4 — Request/enable the Web3 Mastercard
From the app’s SHOP or CARDS menu, request the Web3 Mastercard. You may get a virtual card immediately in the app.
Step 5 — Add to Apple Wallet / Google Wallet
In the app, choose “Add to Apple Wallet” or “Add to Google Wallet.” Follow the prompt; your device will handle tokenisation and confirm when the card is ready to use.
Step 6 — Tap & go
At checkout, unlock your phone, select the card in Apple/Google Wallet if necessary and tap your device to the terminal.
5) Choosing the right wallet in NZ
There’s no single “best” wallet for everyone — but there are best choices for needs. If you asked me, with 10 years in payments and crypto, I'd frame the decision around three use-cases:
Everyday spending & simplicity: Choose a custodial/mobile wallet that integrates spending features, local fiat on/off ramps, and mobile-wallet compatibility (Pay It Now is built for this use). If your goal is to tap and go for coffee or groceries, this is the sweet spot.
Maximum self-custody & long-term storage: Use a hardware wallet (Ledger, Trezor) or a strongly audited non-custodial app. These give you control of private keys but are less convenient for daily spending. Industry guides in NZ list both hardware and reputable software options for savers.
Hybrid approach (recommended by many professionals): Keep day-to-day amounts in a secure mobile wallet (for instant spending and Apple/Google Pay), and move long-term holdings to a hardware wallet. That balances convenience and security.
Now, to answer the search-intent phrase directly — “What is the Best Crypto Wallet NZ” — for most Kiwis who want to spend crypto, use local support, and rely on Apple/Google Pay, a local, regulated wallet with card features (like Pay It Now / Easy Crypto Wallet for buy/sell convenience) is likely the best practical choice. For hodlers with high-value balances, pair that with a hardware wallet.
6) Helpful enhancements & pro tips
Preload a small fiat buffer in your Pay It Now card to avoid conversion latency for tiny, urgent payments.
Keep two devices with different recovery methods: one for day-to-day spending, one for long-term storage.
Use device biometrics + app passcodes — mobile wallet security matters more when Apple/Google Pay access is enabled.
Check merchant acceptance for contactless payments when travelling — Mastercard is widely accepted but older terminals can be quirky.
7) Author & review box
Author: Senior Payments & Crypto Strategist — 10 years experience building digital payments and wallet products for ANZ markets.
Reviewed by: Pay It Now product team (PIN) — Christchurch, New Zealand.
Business: Pay It Now (payitnow.io)
Address: Unit 3/38b Birmingham Drive, Middleton, Christchurch 8024, New Zealand
Phone: +64 3 925 8870
Email: [email protected], [email protected]
8) FAQ
Q: Is it safe to add a crypto-backed card to Apple Wallet or Google Wallet?
A: Yes — tokenisation + device Secure Element protections apply the same way they do for bank cards. Pay It Now’s Web3 Mastercard uses these protections.
Q: Do merchants need special support for Web3 Mastercard?
A: No — merchants see a Mastercard payment. If they accept contactless Mastercard, your phone tap works.
Q: How do I Download Crypto Wallet NZ?
A: Visit the official PayItNow site or your device app store and follow the download and onboarding prompts. There’s a step-by-step guide in the Pay It Now blog.
