An individual card is owned by a specific person and can be either physical or virtual.It can also be converted into a digital wallet token. A digital wallet token represents a specific card, digital wallet, and device combination. Digital wallet tokens allow you to create card payments without exposing any of the original card details.A shared card can be used by multiple people and is always virtual. It can’t be converted into a physical card or digital wallet token. Shared cards are primarily used for group spending, such as a Marketing team’s expenses.