How to Use a Virtual Card in Your Digital Wallet:
A Simple Beginner's Guide

How to Use a Virtual Card in Your Digital Wallet: A Simple Beginner's Guide

If you’ve ever worried about typing your credit card number online or wished you had a safer, faster way to pay, your virtual PayWoot Health Spending Card might be your new best friend. Virtual cards live inside your digital wallet (like Apple Pay, Google Wallet, or Samsung Pay) and transactions online or at your provider’s office a whole lot easier—and more secure.

Don’t worry if this sounds new or technical. By the end of this guide, you’ll know exactly what a virtual card is and how to use it with confidence.

What is a Virtual Card?

Think of a virtual card as a digital version of your physical credit or debit card. It has its own card number, expiration date, and security code, but it’s stored safely inside your digital wallet.

The best part?

  • It protects your real card number, adding a layer of security.

  • You can easily turn it on or off from your Lane Health portal if you ever suspect fraud.

  • It’s designed for convenience, whether you’re paying online, in an app, or at the checkout counter with your phone.

Why Use a Virtual Card?

Here’s why more people are switching:

  • Safer transactions: Your actual card number stays private.

  • Fewer hassles: Lost or stolen card? Just disable the virtual card without waiting for a new physical one in the mail.

  • Ultimate convenience: Everything is already in your phone or smartwatch. No wallet? No problem.

  • Works anywhere: Your virtual PayWoot Health Spending Card works for eligible expenses anywhere that accepts VISA contactless payments.

How to Use Your PayWoot Health Spending Card for Online Purchases

  1. At checkout, look for Apple Pay, Google Pay, or Samsung Pay as a payment option.

  2. Select your digital wallet.

  3. Confirm with your face ID, fingerprint, or passcode.

That’s it—no need to type out long card numbers or risk storing your real card details on a website.

How to Use Your PayWoot Health Spending Card for In-Office & Retail Purchases

If your provider, pharmacy, dentist, etc. accepts contactless payments (look for the little Wi-Fi-like symbol at checkout), you’re good to go.

  1. Open your digital wallet app.

  2. Hold your phone or smartwatch near the payment terminal.

  3. Wait for the beep or checkmark.

Done! Your purchase is complete in just seconds.

Tips for Using Your Virtual PayWoot Health Spending Card

  • Make it your default payment method at your provider’s office and online portals so checkout is always quick.

  • Keep your phone locked with a passcode or biometric ID for added security.

  • Track transactions in your Lane Health portal.

Start Using Your Virtual Card Today!

Using a virtual card in your digital wallet isn’t complicated—it’s designed to make your life easier. You’ll be able to checkout with ease, protect your real card details, and have peace of mind knowing you’re paying securely.

So, if you haven’t used your PayWoot Health Spending Card yet, now’s the perfect time. Once you use it a few times, you’ll wonder how you ever lived without it.

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¹Lane Health (servicer for the card) does not charge interest on, or an annual fee for, the PayWoot Health Spending Card. “0% financing” pertains to repayment options that do not charge interest (0% interest) nor fees ($0 fees). Each Advance can be repaid in full, 4-month term or 12-month term (with a minimum $3 due each payment period). Transactions other than qualified hospital expenses (based on merchant category code) will be charged an origination fee of 5% and periodic finance fees. The location of the service provider is not determinative of whether a transaction is a qualified hospital expense. Rather, transactions made within or at a hospital (including but not limited to specialists, doctors, pharmacies, etcetera) are determined to be eligible by the associated MCC and not the location of the service provider in the hospital. New Advances, if eligible, can be repaid in full or over 4 installments with no origination or periodic finance fees. Late fees apply. You can review the fee table at https://lanehealth.com/hsc-lb-fees.
² Lane Health (servicer for the card) is a financial technology company, not a bank. The PayWoot Health Spending Card is issued by Lead Bank pursuant to a license from Visa USA Inc. Line of credit is issued by Lead Bank or LH Lending LLC NMLS #2552401, (nmlsconsumeraccess.org).