This page covers the standalone flow — the card check running on its own token, with no identity verification behind it. For the version that runs as an extra step inside a KYC session, see Bank Card Verification.
Where to Find It
The same card step serves two entry points.- Inside a KYC session — a step shown after identity document capture, only when the feature is enabled for that partner. The KYC verification cannot be submitted until the card step has resolved.
- As a standalone link — bank card verification only, no identity verification required.
The Standalone Flow
1
Consent
Four assurances, and a single Agree & continue securely button — there is no checkbox to tick. The screen is skipped entirely if consent was already given for this session.
2
Desktop Hand-Off
Desktop users see a device screen first, offering a QR code and an SMS link. Continue in app appears only when the session carries a mobile code. The footer escape — Don’t have a smartphone? Continue on current device. — lets them stay put.Once the phone finishes, the desktop advances to the result on its own; it polls in the background, so the user doesn’t need to do anything on the original screen.
3
Starting Options
If only one method exists it is preselected. Continue stays disabled until a method is picked.
4
Camera Path
Capture your card shows a live view with a card frame. There is no auto-capture — the shutter is manual. A camera-switch button appears only if a second camera exists.Inspect captured card asks the three questions shown, then offers confirm or retake. There is no back button on this screen.If details are missing, Flip your card appears and the other side is requested. The back side is always camera-captured, even when the front was uploaded.
5
Upload Path
Accepted formats are PNG, JPG, HEIF and PDF, one file at a time.PDFs get no image preview; the file name is shown instead. Review uploaded document then asks whether it shows the card number, whether the name is visible, and whether it’s the right document, before continue or upload again.
6
Multiple Cards
If several cards are found in the document, Which card are you verifying? offers masked options — last four digits and expiry only — as many as were detected.
Quality Problems
Quality checks run after submitting, not live during capture. A problem opens a modal with an illustration, a single message, and one Try again button that re-prompts the same side.
Quality problems spend no attempt on their own. But three consecutive quality failures within one attempt do consume that attempt.
Attempts and Timers
Three attempts by default, configurable per partner. The counter is never shown to the user.Two Independent Clocks
A Time left indicator appears only if enabled for the partner, and is hidden during mobile capture.
Timeouts
Analysis waits up to 60 seconds; camera and loading up to 15. Failures show Verification temporarily unavailable, which is retryable and spends no attempt. Camera failures return the user to the method screen, so upload stays reachable.Limits and Behaviour
SMS limits. One per session, one per phone number per 24 hours, and three requests per 15 minutes. Users in unsupported phone countries are told to scan the QR code instead. Languages. All 37 supported languages, switchable mid-flow, including right-to-left rendering for Arabic and Persian (Farsi). What these screens don’t have. No Cancel verification button and no Continue on mobile button. There is no card-brand or country restriction, and no manual review — the result is final.Results
Standalone
One screen, no buttons. Only a full match counts as success. If redirect URLs were configured, success and failure hop straight back to your page — the expired case never redirects.Inside a KYC Session
There is no result screen at all. The flow simply continues to the next step, and a mismatch is flagged to you rather than shown to the user. Results appear alongside the identity verification in Verification Details.Bank Card Verification
The card check as an additional step inside the identity verification flow, and how the verdict is decided.
Configuration
The Bank Card Verification and Bank Card PDF Upload settings that govern both flows.