The virtual Phantom Cash debit card lets you spend CASH token held in your Cash account online, in apps, and in stores wherever Visa is accepted. You can also add it to Apple Pay or Google Pay.
When you make a payment, Bridge (our partner) draws CASH from your Cash account, converts it to USD, and the merchant is paid like a standard Visa transaction.
The card is available in the US only, except NY, and requires identity verification.
Add your virtual card to Apple Pay or Google Pay
- Open the Cash tab.
- Tap the card symbol in the upper right.
- Tap Add to Apple Wallet or Add to Google Pay.
- Follow the prompts.
Use your virtual card
Make sure your Cash account is funded before making a payment. You can pay in the following ways:
- Online or in-app: Select Visa at checkout and enter your card details, or use Apple Pay or Google Pay.
- In-store: Tap to pay using Apple Pay or Google Pay at contactless terminals.
- Manual entry: Enter your card number, expiration date, and CVV when prompted.
Manage your virtual card
To manage your card, open the Cash tab and select your card.
- Set or change your PIN: Some merchants require a PIN at checkout. Select Set PIN or Change PIN to create one.
- Lock your card: If your card is lost or compromised, select Lock Card to temporarily disable it. Select Unlock Card to re-enable it.
Daily limits
The default daily spending limit is $2,000. You can request an increase to $5,000 per day by contacting Phantom Support.
Authorization holds
Some merchants (like gas stations or hotels) place temporary holds that may exceed your purchase amount. The unused portion is returned to your Cash account once the transaction settles.
Authorization holds typically resolve within 24 to 48 hours but can last up to 30 days. Some merchants, such as hotels, may hold for longer.
| Merchant type | Typical hold duration |
|---|---|
| Gas stations | Same day to 72 hours |
| Restaurants and bars | Within 24 hours |
| Spas, salons, and service businesses | 24 to 48 hours |
| Parking garages | 24 to 72 hours |
| Subscriptions and free trials | Within 24 hours |
| Airlines and travel agencies | 5 to 7 days |
| Online retailers | 1 to 7 days |
| Healthcare | 1 to 7 days |
| Rental cars | 3 to 10 business days after return |
| Hotels and lodging | 3 to 7 business days after checkout |
| Cruise lines | Up to 30 days |