Why do I have to download an App called ID Pal?
You only need to download an App called ID Pal if you have received a reloadable digital gift card or Chip & PIN gift card from your employer. Due to this being a reloadable or high-value gift card it must be registered in your name. With the intentions of it being topped up again in the future you must follow a verification process. This involves downloading a secure App ID Pal to submit your identification through this platform. Once you have successfully submitted your ID, you will receive a notification to say it has been successful. Your card will then be ready to use.
Why do I have to submit my identification on a gift card?
Due to our cards being an e-money regulated product we must comply with regulations. For you to use your reloadable digital card you must provide identification through the ID Pal App. Once successful verification your card will be ready to use.
How will I know my Reloadable Digital card is ready to be used?
Once you have downloaded the ID Pal App through the secure link sent to you via SMS and submitted successful verification, your digital card be fully visible in your Digital account (card not greyed out)
I did not receive my verification code?
Please note that sometimes due to high demand, there may be a delay to send out your verification code. In certain rare cases, when the code arrives, it will not work because it has expired. In this case, please wait a few hours and try again later. We apologise for the inconvenience.
I have just received a digital gift from my employer. Why do I have to submit my identification through an App?
Please note that your employer chose the reloadable digital gift card for you, so KYC verification is required. This is due to new EU legislation laws on all e-money regulated products that a verification process must be in place on all e-money gift cards sold over the value of £120.
When a user receives a reloadable Digital card, once they have clicked to claim this and they are in the account the card will appear slightly different in that it will be greyed out and have an option to ‘Activate’ the card which will be done Via a secure app called ID-Pal.
When the user clicks on this a box will appear on the screen confirming the phone number the text message will be sent to. Once confirmed, the user will receive a text message with a secure link to download the ID pal app.
The secure link will bring the user directly to their Apple / Android app store.
When the user opens the app, they will need to scan their passport or driving licence using the phone's camera, as well as taking a ‘Selfie’ as instructed by the app. When scanning the Document, the app will confirm if the image is accepted or if it must be taken again due to a shine / blur. If using a driving licence, both the front and the back of the card need to be scanned.
The next step is a ‘Liveness Test’, when the user clicks on this section, they will be asked to take a ‘selfie’ to match their face to the ID document they have just uploaded. The screen will advise the user to hold the phone closer or further away, making sure their face is centre. The user will then be asked to blink, which will take the photo.
Once the images are complete, the user will then be asked to enter their personal details such as date of birth, address, and email to complete the verification.
If there are no problems with the documents and details uploaded, the user will receive a notification on their phone to confirm the verification was successful. The One4all reloadable digital card will become live within an hour. The user can then proceed as normal to spend the card online or add the card to the digital app / apple wallet to spend in-store.
Please note that once your submission is made, all data will be wiped from the phone, encrypted and sent to your account - so you need not worry about leaving any data on your device.
My card is showing 'Pending Activation', what do I do next?
Click 'Activate Card' and you will be sent a link to download the ID-Pal app. Download the app and follow the ID-Pal process to verify your ID. Once complete, your card will be activated and ready to spend.