Peanut Card: How to Get and Use It

The Peanut Card is a virtual card that lets you spend your Peanut balance wherever Visa is accepted. Once you're verified in the app, you can apply for it — peanut.me/shhhhh takes you straight into the card flow, and applications are subject to approval. This page explains how to get the card, what you can do with it, what it costs, and what to do when a payment needs confirmation or gets declined.

What the Peanut Card is

The Peanut Card is a virtual card on the Visa network. There is no plastic: you get a card number, expiry date, and CVV in the app, and you can add the card to Apple Pay or Google Pay to pay in person where either wallet is available in your region. Purchases are paid from your Peanut balance and show up in your Peanut transaction history like any other payment.

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The Peanut Card is a separate program from Peanut's core features: identity verification is required for all cardholders, and cardholders must be 18 or older. Card access is subject to eligibility requirements.

Get the Peanut Card

  1. 1

    Open Profile → Card in the app

    That is where you apply for and manage the card. You can also go to peanut.me/shhhhh, which takes you straight into the card flow.

  2. 2

    Verify your identity

    The card requires identity verification for all cardholders. Rain reuses your existing Sumsub identity documents. The normal card check asks for your tax ID, an SMS code, an email code, and a short regulatory questionnaire. You will only need an ID or selfie if a required document is missing. Set aside a few minutes; a missing-document follow-up can be shorter. See how verification works.

  3. 3

    Review and accept the cardholder terms

    Read the cardholder terms in the flow, accept them, and submit your application.

  4. 4

    Get your card details

    Once your application is approved, your virtual card is created and you can view its number, expiry date, and CVV in the app.

  5. 5

    Add funds and start spending

    Add funds to your Peanut balance, then pay online at any merchant that accepts Visa. Where Apple Pay or Google Pay is available in your region, add the card manually to pay in person.

What you can do with the card

  • Pay online at any merchant that accepts Visa, including subscriptions and in-app purchases.
  • Pay in person, where available in your region, by adding the card manually to Apple Pay or Google Pay with the details shown in Peanut.
  • Freeze and unfreeze the card anytime in the app.
  • View your card details (number, expiry date, CVV) whenever you need them.
  • Change your card limit anytime. The limit controls how much of your balance is set aside for card payments; see how Peanut Card funding works for the details.

What the card costs

  • Free virtual card: no issuance fee, no monthly or annual fee.
  • Purchases in the same currency: no added fee.
  • Purchases in another currency: converted at the Visa exchange rate, plus the 1% International Service Assessment (ISA). The ISA is a Visa network fee that is passed through — Peanut does not add a fee on top.

The card is subject to applicable limits, which you can adjust in the app. See fees & pricing for the full picture.

Confirming online payments (3-D Secure)

Some online merchants ask you to confirm a payment before it goes through. When that happens, the confirmation arrives as a Peanut app notification with a one-time code. Open the notification and approve or enter the code on the merchant's page. The code is never sent by email or text message, so keep Peanut notifications enabled on your phone.

Why a card payment might be declined

  • Restricted merchant category. Some merchant categories are restricted by the card provider. If your payment was declined at one of these merchants, your funds return to your balance automatically, usually within minutes. You don't need to do anything.
  • Amount above your card limit or balance. Check your card limit and your balance in the app, then try again.
  • Frozen card. If you froze the card, unfreeze it in the app before paying.

FAQ

Is there a physical Peanut Card?

No. The Peanut Card is virtual only. Where Apple Pay or Google Pay is available in your region, you can add it manually and tap your phone at contactless terminals that accept Visa.

Where can I use the Peanut Card?

Wherever Visa is accepted, including online stores, subscriptions, and in-app purchases. Contactless use through Apple Pay or Google Pay depends on wallet availability in your region.

Who can get the Peanut Card?

Any eligible user who completes identity verification and accepts the cardholder terms can apply, and applications are subject to approval. Identity verification is required for all cardholders, and cardholders must be 18 or older.

Do I need to verify my identity again to get the card?

Rain reuses your existing Sumsub identity documents, but the card has extra verification requirements. The normal card check asks for your tax ID, an SMS code, an email code, and a short regulatory questionnaire. You will only need an ID or selfie if a required document is missing. Set aside a few minutes; a missing-document follow-up can be shorter.

Can I change my card limit?

Yes, anytime from the Card screen. The limit controls how much of your balance is set aside for card payments; how Peanut Card funding works explains what happens when you raise or lower it.

My payment was declined. Where is my money?

A declined payment is not settled, but reversal timing for a hold varies. If a hold remains for a long time, contact support with the transaction details.

Does the card work for subscriptions and recurring payments?

Yes. Use your card number for card-on-file and recurring payments at any merchant that accepts Visa.

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