Frequently Asked Questions
What is Vircarda?
Vircarda is a comprehensive, highly secure virtual smartcard app that securely stores and manages virtual smartcards on mobile devices in a digital wallet.
Is Vircarda free of charge?
Yes, Vircarda is a free App.
Which operating systems is Vircarda available for?
Vircarda is available for iOS and Android devices.
Where can I download Vircarda?
Vircarda is available to download from:
How to activate your virtual smartcard
To activate your virtual smartcard, follow the steps below:
Download and open the Vircarda App
Enter the Registration and PIN Number provided by your card issuing organisation
Please contact your card issuing organisation if you are unable to find the email or SMS from Vircarda
Check the details displayed on your card are correct
You can report any issues with the card by selecting the 'Report issue with card' link directly underneath the displayed card
Enter a valid email and password to register an account
Note: It is highly recommended, for account recovery purposes, that you enter a mobile number
Click 'Create Account'
I cannot download the Vircarda App
If you are unable to download Vircarda, then your device may not be compatible. An error message will be displayed, and an alternative device will need to be used. Note: iOS devices running iOS 10 or later and Android devices running 4.4 and later are compatible with Vircarda.
If the storage on your device is full, more storage needs to be added or unused apps removed. Once this is done try downloading Vircarda again.
I have not received my Registration and PIN Number from my card issuing organisation
Check the email is not in your spam/junk folder
Please contact your card issuing organisation to request your registration details are resent. You may wish to provide a different email address or mobile number.
I have lost/deleted the email/SMS containing my Registration and
Please contact your card issuing organisation to request they re-issue registration details.
I have downloaded the Vircarda App, but it will not open
Try deleting the App from your device and reinstalling it from the relevant app store.
Can I reload a removed card?
You can 'Remove a Card' from your Vircarda App. You can also reload a card back into Vircarda using the 'Load A Card' feature within the App and selecting the appropriate card from the list. Once a card has been reloaded, the data and information relating to that specific card will become accessible.
Can I use Vircarda for different types of cards?
Vircarda is designed to store multiple virtual smartcards from schemes that are using our platform.
Where can I find my card issuing organisation's contact details?
Once you have successfully registered your Vircarda account, the card issuing organisation's contact details are available within the App. To view contact details:
Click on the relevant virtual smartcard image and the telephone support number will be displayed
Click the horizontal ellipsis (more options icon) on the top right of the App, select 'Manage Account' from the drop-down menu and click on 'Memberships', the telephone support number(s) will then be shown
Issues with your cards
The details on my card are incorrect
Only your card issuing organisation can amend your details on your card. Please contact them directly to arrange for your details to be updated.
One of my cards has been cancelled
A notification will have been sent informing you that a card has been cancelled. Cancelled cards are automatically removed from your Vircarda App. If you are unaware why a card has been cancelled or to request a replacement card, please contact your card issuing organisation.
One of my cards has disappeared
You may have removed a card in error - you can reload it using the 'Load A Card' feature. Select the horizontal ellipsis (more options icon) at the top right within Vircarda and click 'Load A Card' from the drop-down menu. Click on the relevant card you wish to reload. Once a card has been reloaded, the data and information relating to that specific card will become accessible.
Another reason a card may have disappeared from your view is if it has been cancelled. A notification should have been sent to inform you if this is the case. Please check with your card issuing organisation.
My card has expired
When cards have expired, they remain within the App (identified and marked as 'Expired') for a period of time determined by the card issuing organisation. Please contact your card issuing organisation if your card should not have expired or to arrange for your card to be renewed.
The card reader is unable to read the QR code generated by Vircarda
The QR code can only be read once, should you need to refresh the code either swipe down or click on the QR code.
Managing your cards
How do I delete a card?
As a cardholder you are not able to delete a card. However, cards can be removed from Vircarda by clicking the horizontal ellipsis (more options icon) at the top right of the App and selecting 'Remove Card' from the menu. This option means you can reload the card back into Vircarda at any time.
If you want to permanently delete a card, please contact your card issuing organisation to request that the card is cancelled and therefore removed from your wallet.
Which applications can be used to check/read my Vircarda smartcard?
Cards can be securely checked/read using either Checarda or Go Smart (Android and iOS), cards can also be read using a Windows PC application. For further information, please visit:
Please contact your card issuing organisation to confirm which application should be used to check/read your card.
How do I allow someone to check/read my card?
To enable your card to be checked/read; a QR code needs to be generated by selecting the 'Read Card' function within the App and presented to the card reader. Once your virtual smartcard is successfully read, the information stored on your smartcard will become visible to the card reader. You will also receive a card read notification.
Viewing card read activity
All historic 'Card Read' activity is accessible within the App. Card read history details the time and date (in descending order) and is available via the home screen within the App by clicking the tile 'Card Read Activity'.
The card read list includes (where available):
Card scheme icon
Date and time of card read (in descending order)
The name of the device that completed the read
A link to a map detailing the location of where the card read was completed (this will only be displayed if GPS was enabled on the device reading your card)
I did not receive a notification after my card was read
Notifications are handled differently on individual devices. On most Android and iOS devices, you can decide whether to receive notifications on an app by app basis. If you are not receiving notifications from Vircarda, go to the 'Settings' on your device and ensure 'Notifications' are switched to 'Allow'.
Note: As notifications are not 100% reliable across all platforms, it is recommended to regularly view the activity within your Vircarda App.
Notifications are short messages that ‘pop up’ on your device. Notifications are sent instantly and can be displayed even if the Vircarda App is not running or the screen lock is on. Notifications can either be system or scheme generated.
Alerts to new (unread) notifications are indicated by the status bar icon (at the top of your device), a vibration of your device (if set), the blinking device LED and a badge indicator on the Vircarda App icon.
System generated notifications include:
Card updates including qualifications, accreditations and competencies
New cards issued
Transfer of a card to another device
Revoke of a scheme
System admin messages
Scheme notifications can be used to engage directly with cardholders and can include:
Updates on the information held within the Vircarda App
Information and updates about a scheme/membership/community
Promotional offers including QR codes and links to URLs
Scheme relevant content including attachments and links
Two-way interaction between card issuing organisations and its user/community/members
E-ticket solutions for issuing electronic tickets to users
Action buttons to capture responses
Notifications, except for ‘card reads’ and ‘transfer of card to another device’ are stored as In-App Messages within the ‘Message List’ function and can be viewed by either:
Selecting the horizontal ellipsis (more options icon) on the top right of the App and clicking ‘Messages’ from the drop-down menu
Clicking the ‘Message List’ tile on the home screen within the App
In-App Messages are displayed in a list format; descending by date and time (most recent first). Messages can be viewed directly from the message tile on the Vircarda App home screen or by clicking the horizontal ellipsis (more options icon) on the top right of the App and selecting ‘Messages’ from the drop-down menu.
A thumbnail scheme icon or hero image is shown against each message, which can help to identify the scheme that sent the message.
If you are unable to see any of the message content, check your connection status is online and try to open the message again. If you still experience problems viewing the message, close the application, uninstall from your device, reinstall and log back in.
Deleting In-App Messages
To delete one or multiple In-App Messages select the horizontal ellipsis (more options icon) on the top right of the App and click on ‘Messages’ from the drop-down menu or select the ‘Message List’ tile on the Vircarda App home screen.
Android: Once the message list is displayed, select the message thumbnail image or long press. The message will then be highlighted, select the bin image in the right-hand corner of the App to delete it. Should a message be deleted in error, select ‘Undo’ to restore the message.
iOS: Once the message list is displayed, select edit, check the message(s) you wish to delete (this feature allows multiple message selection) and click delete. To delete a single message, swipe left on the message – a gesture swipe will display a delete option and a full swipe will delete the message automatically. Should a message be deleted in error, the undo feature is available by selecting edit. Note: the undo feature is not available if you swipe left to delete a message.
Notifications can be turned on or off from your device settings. If you have chosen to turn off the ‘Notification’ functionality, you will not receive any further notifications.
This feature can be re-enabled via the device settings – the Vircarda App will then need to be launched to update the settings within the App.
Card read history, detailing the time and date in descending order, is available on the home screen within the App by clicking the tile ‘Card Read Activity’.
The card read list includes (where available):
Card scheme icon
Date and time of card read
The name of the device that completed the read
A link to a map detailing the location of where the card read was completed (this will only be displayed if GPS is enabled on the device reading your card)
I would like to transfer my virtual cards to a new device
Transferring your virtual smartcard(s) to a new device is a straightforward process. You may wish to do this if your device was lost/stolen or if you have a new device.
Download Vircarda from the relevant app store and install it onto your new device.
When you first launch Vircarda on your new device, the login button is shown in the middle of the registration screen, click the ‘Login' button and enter your email address and password credentials that were used when you first registered Vircarda. Click on the 'Add Card' button and select the relevant card from the list. When the card has downloaded to the new device, it will automatically be removed from the old one (provided the old one is still online).
I have two devices and would like to transfer my virtual cards between them
The Vircarda App can be installed on multiple devices, however, the virtual cards within the App can only be stored on one device at any one time. This is a security feature designed to ensure your card is not compromised.
To transfer your card from one device to another click on the 'Add Card' button and select the relevant card from the list. When the card has downloaded to the device, it will automatically be removed from the other one.
I have forgotten my email address
If you have forgotten your email address, please select the ‘Forgotten Password or Email Address’ option on the login screen within the Vircarda App. On the next screen you will have the option to select 'Forgotten Email Address'. You will be prompted to provide the mobile number that you used when you first created your Vircarda account. An SMS will be sent to your device, detailing the email address associated with your account. You will now be able to log back into Vircarda and view your cards.
Note: If you opted not to provide a mobile number when you created your account, your account details may not be recoverable. You will need to create a new Vircarda account and contact your card issuing organisation for more assistance.
I have forgotten my password
If you forget your password, please select the 'Forgotten Password or Email Address' option on the login screen within the Vircarda App. You will be prompted to provide the email address that you used when you first created your Vircarda account. Vircarda will then ask you to select the email address or mobile number (if one was provided), which will enable you to have the reset password PIN sent to you.
Once you have received your PIN, enter the number as instructed within the Vircarda App (note: this must be entered within 10 mins or the PIN will expire). Enter a new password and re-enter to confirm. You will now be able to log back into Vircarda and view your cards.
Note: It is highly recommended that you add a mobile number for account recovery purposes (if you have not already done so) under 'Account Management'. If you opted not to provide a mobile number when you created your account, your account details may not be recoverable. You will need to create a new Vircarda account and contact your card issuing organisation for more assistance.