Identity verification for Apple Pay Cash

To protect your account, you might be asked to verify your identity when using Apple Pay Cash.1

Verifying your identity

You must verify your identity to continue to use all the features of Apple Pay Cash and sending and receiving money with Apple Pay. 

  1. Go to your card info:
    • iPhone: Open the Wallet app, tap your Apple Pay Cash card, then tap 
    • iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Pay Cash card.
    • Apple Watch: Open the Apple Watch app on your iPhone, tap Wallet & Apple Pay, then tap your Apple Pay Cash card. 
  2. Tap Verify Identity. 
  3. Follow the onscreen steps. When capturing your driver's license or state ID card, use these tips: 
    • Place your card on a dark background. 
    • Capture all four corners of your card. 
    • Make sure that there's nothing between your device's camera and the card that would obscure it.

The first time that you verify your identity, you might be asked for this information:

  • Your full name
  • Your social security number
  • Your date of birth
  • Your home address2 
  • Answers to questions regarding your personal history
  • An image of your driver’s license or state ID card

When you'll be asked to verify your identity

You'll be asked to verify your identity based on how much you use Apple Pay Cash. You may not add or receive $500 or more in total without verifying your identity. You might also be asked to verify your identity prior to this limit.

To protect your account and the security of your money, you might be asked to verify your identity when using Apple Pay Cash, even if you have previously done so.

Why you'll be asked for your personal data

Person to person payments and the Apple Pay Cash card are services provided by Green Dot Bank, member FDIC, a regulated financial institution. Green Dot Bank is required by federal law to verify the identity of its customers.

To verify your identity, Green Dot Bank will request social security numbers and other personal information to ensure that customers are eligible to use the service.

Where is your personal information going

Information that you provide will be sent to Green Dot Bank and their identity verification service provider. Your name and address is securely stored by the partner bank and Apple Payments Inc. If asked, social security number, date of birth, answers to questions (e.g. confirm street name you have previously lived on), or a copy of your government ID will be provided to Green Dot Bank and their identity service provider, and stored by Green Dot Bank as long as required by law. This additional information cannot be read by Apple.

Apple created Apple Payments Inc., a wholly owned subsidiary, to protect your privacy by storing and processing information separately from the rest of Apple and in a way that the rest of Apple doesn’t know.

What if you enter the wrong information

Try to verify your identity again. When you verify again, we might ask for your driver's license or state ID. 

  1. Go to your card info:
    • iPhone: Open the Wallet app, tap your Apple Pay Cash card, then tap  . 
    • iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Pay Cash card.
    • Apple Watch: Open the Apple Watch app, tap Wallet & Apple Pay, then tap your Apple Pay Cash card. 
  2. Tap Verify Identity. If you don't see this option, contact us. You might need to close your account and open a new one.
  3. Follow the onscreen steps.

What if you don't have the information that you need to verify your identity

If your identity is unable to be verified, you won't be able to use all the features of Apple Pay Cash, including sending and receiving money and adding money to your Apple Pay Cash balance.

You can use the money on your Apple Pay Cash account to make purchases in stores, in apps, and on the web, and you can transfer money to your bank. 

Learn more

Learn about Apple Pay security and privacy.

  1. You must be at least 18 years old and a resident of the United States to send and receive money with Apple Pay or receive the Apple Pay Cash card. These services are provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
  2. You should enter a home address. If you enter a post office box, your account will be restricted. Contact us.

 

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