Patent Pending

Your digital wallet, made smarter.
Wallo taps to pay with the right card.

Wallo permanently maps every merchant you visit to the right card, before you ever tap. No guessing. No intercepting. Just the optimal card, active and ready, every single time.

See how it worksProduct Demo
My Wallet
Hi, John
⚡ ACTIVE
AMERICAN EXPRESS
Blue Cash Preferred
•••• •••• •••• 3309
Cashback$95/yr
Amex Platinum
•••• •••• •••• 3309
Earns MR$695/yr
Amex Gold
•••• •••• •••• 3309
Earns MR$325/yr
Chase Sapphire
•••• •••• •••• 3309
Earns MR$150/yr
Blue Cash is active
6% back on groceries
Blue Cash
Wallet
Detect
Profile
How it works

First set Wallo as your default wallet. Then never think about which card to use again.

Wallo combines your real cards with where you are right now to activate the one that earns the most.

Step 1
Add your cards
Blue Cash Preferred
$95/yr
Amex Platinum
$695/yr
Amex Gold
$325/yr
Chase Sapphire
$150/yr
Apple Card
No fee
01
Build your wallet
Build your wallet with the cards you already use. Wallo understands each card's category rewards, points or cash-back value, foreign-transaction fees, and your preferred rewards strategy.
Live Detection
40.81, -89.63
Nearby places
🍴
Blue Bottle Coffee
Dining · 80m away
Dining
Gas
Groceries
Flights
Hotels
Transit
Pharmacy
Retail
Streaming
02
Wallo learns the merchant
When you open Wallo at a new place, it uses your location and nearby-place data to identify the likely merchant category and choose a card before payment. After your purchase, Wallo saves the transaction's verified merchant category for that location.
Step 3
Use this card
⚡ ACTIVE
AMERICAN EXPRESS
Blue Cash Preferred
•••• •••• •••• 3309
Earns 6% cash back · ~$1.20 back on $20
03
Tap with the best card
The next time you return, Wallo recognizes the location and automatically makes the highest-value eligible card active before you tap. It never reroutes or changes a transaction after payment begins.
Tap to pay

Your digital wallet, made smarter.
Wallo taps to pay with the right card.

Wallo replaces your phone's wallet. Trigger Wallo the same way you normally bring up your digital wallet, and Wallo instantly selects the best card from your lineup based on your location, activates it, and gets you ready to tap and pay; so you earn the most rewards every time.

One tap. The right card. Done.

Ready to Pay
Hi, John
⚡ ACTIVE
AMERICAN EXPRESS
Blue Cash Preferred
•••• •••• •••• 3309
$95/yr
Blue Cash is active
6% back on groceries
Blue Cash
Hold near terminal to pay
Wallet
Detect
Profile
Features

Built for people with more than one card.

Stop leaving rewards on the table because you forgot which card has the bonus.

Pre-transaction selection
Card selection completes entirely before your card is ever presented to a terminal. Wallo never intercepts, reroutes, or alters a transaction already in progress.
Permanent MCC mapping
After your first visit, Wallo stores the merchant's verified category code (MCC) permanently to that location. Every return visit uses the stored code instantly. No live inference needed.
CPP-normalized reward scoring
All reward currencies (cashback, airline miles, hotel points) are converted to a common cents-per-dollar value so every card is compared on an equal footing.
Mode-based optimization
Switch between Cashback, Travel, or Loyalty mode to tell Wallo what you're optimizing for. The scoring engine adjusts reward valuations accordingly.
International mode
Wallo detects when you're abroad and automatically excludes any card with a foreign transaction fee from contention, without changing your active optimization mode.
Pin & override controls
Pin any card to lock it in and bypass all location logic entirely. Or manually override on any transaction. Wallo will learn from your correction.
Common questions

FAQ