> ## Documentation Index
> Fetch the complete documentation index at: https://documentation.idenfy.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank Card Verification

> Add bank card ownership verification as an additional step in your iDenfy KYC flow to confirm the card used at onboarding belongs to the verified user.

Bank Card Verification confirms that a bank card used during onboarding actually belongs to the person completing identity verification. It's added as an additional step inside the standard IDV flow.

<Note>
  Bank Card Verification is currently only available as an additional step within the IDV flow.

  **Coming soon:** a standalone Bank Card Verification flow that runs independently of an IDV session, with custom redirect handling once the check completes. Compliance preparations are being finalised — contact your account manager if you're interested in offering it to your users.
</Note>

<Warning>
  **Heads up:** Bank Card Verification requires settings to be enabled on your account before it becomes available. Under [Settings → Know Your Customer → Configuration](/guides/dashboard/settings/configuration), enable **Bank Card Verification** to turn the feature on, and **Bank Card PDF Upload** if you also want to allow users to submit a PDF instead of a live capture. Neither setting is self-service — [contact iDenfy](https://idenfy-ivs.atlassian.net/servicedesk/customer/portal/1) to request access.
</Warning>

## Enabling As an Additional Verification Step

### Through Dashboard

1. Select **ID Verifications** section
2. Select **New Verification**
3. Select tab **Advanced settings**
4. In the section **Additional verification steps**, find the option **Bank Card Verification** and enable it

* Title: **Bank Card Verification**
* Subtitle: *Enable card ownership check as part of the verification flow. You can optionally enter the last 4 digits of the card to confirm a match.*

5. Optionally, provide the expected **last 4 digits** of the card number in the field that appears — this field is not required.

***

## How It Works

Once enabled, the user is asked to photograph the front (and, if needed, back) of their bank card, or upload a supporting document, after completing the main IDV steps.

* **Cardholder name matching** — the name read from the card is compared against the user's verified identity name.
* **Card number matching** — if the partner provided expected last 4 digits, they're compared against the card's actual last 4 digits.

| Name extracted?          | Expected last 4 provided?  | Verdict                              |
| ------------------------ | -------------------------- | ------------------------------------ |
| Yes, name matches        | No                         | Match                                |
| Yes, name matches        | Yes, last 4 matches        | Match                                |
| Yes, name matches        | Yes, last 4 does not match | No Match (card number mismatch)      |
| Yes, name does not match | Either                     | No Match (name mismatch)             |
| No (name not detected)   | Either                     | No Match (cardholder name not found) |

If Bank Card Verification runs as part of an active IDV session and returns **No Match**, the verification is marked **Suspected** for further review rather than automatically denied. If it runs after the IDV has already been **Approved**, the IDV status is updated to **Suspected**. A Bank Card **No Match** result never automatically denies a verification.

Results appear alongside the identity verification in [Verification Details](/guides/dashboard/kyc/verification-details), and a follow-up Bank Card Verification request can be triggered from the review screen using [Request Update](/guides/dashboard/general/request-update).


## Related topics

- [Verification Details](/guides/dashboard/kyc/verification-details.md)
- [iOS SDK Additional Features](/sdks/ios/additional-features.md)
- [Android SDK Additional Features](/sdks/android/additional-features.md)
- [Configuration](/guides/dashboard/settings/configuration.md)
- [Request Update in the Dashboard](/guides/dashboard/general/request-update.md)