Identity verification required for card payments

Providing additional information for new identity verification

Know Your Customer (KYC) requirements are enforced by financial regulators around the world, and the requirements for what identity information is collected are frequently updated. As part of this, our card payment provider now requires additional information from your school to comply with the new regulations. This information will be used only for payment account verification, and will not be used for any other purposes.

If your school already has card payments set up on your site (go to School > Payments > Initial Setup to check), our payment provider requires you to submit some additional information in order to keep using card payments in Arbor.

Please note: You’ll need to provide this information by 25 February 2020 in order to continue to use payments in Arbor. If you do not submit this information and want to use card payments again, you’ll need to contact us.

Staff with the Finance: Administer permission can see a banner on the Arbor Homepage with some further details of what is required. Just click the button to provide us with these details.

card_payments_changes_banner.png

In the form, you’ll need to let us know:

  • Your school’s telephone number
  • The school representative’s job title, email address and telephone number (we’ll let you know who your school representative is) 

Then click the green button to progress to the next step.

school_representative_details.png

 

Further information that could be requested

You could also be asked to provide additional identification documentation, such as proof of address or an ID verification document (detailed below). 

School controllers'/owners' ID

If your school has processed a large number of payments totalling a large sum of money, you might be asked to provide additional Photographic ID for your controller/owner, in addition to the Representative ID you provided during setup. 

If this Identity Verification is required, staff with the Finance: Administer permission will see a banner on their Homepage. When you click the button in the banner, you’ll be taken to a page where you’ll be able to submit this information.

Take a look at our Card Payments Guide for a list of the acceptable forms of identification and requirements.

If the photo ID is not provided when requested, the card payment account for a school will be marked as unverified. This will shortly result in your school being unable to process card payments until a photo id for a school controller/owner is provided. If you were no longer able to process card payments due to missing controller ID, just submit the photo ID and the card payments functionality will become available again.

Proof of address

You might be asked for a document proving the address of your controller/owners or representative to help further verify that they are who you say they are. 

If this Identity Verification is required, staff with the Finance: Administer permission will see a banner on their Homepage. When you click the button in the banner, you’ll be taken to a page where you’ll be able to submit this information.

The following types of documents are acceptable:

  • Utility bill
  • Bank statement
  • A letter of correspondence issues from a government institution
  • An identity card if you have not already uploaded this as your proof of identity document

It must also follow the same formatting requirements as any other ID documents submitted (see the requirements here).

If the proof of address is not provided when requested, the card payment account for a school will be marked as unverified. This will shortly result in your school being unable to process card payments until a photo id for a school controller/owner is provided. If you were no longer able to process card payments due to missing proof of address, just submit the photo ID and the card payments functionality will become available again.

Other details

If you’ve provided all the specified required details, but our payment provider cannot verify your account, we’ll get in touch with them to resolve the issue. All you’ll need to do is to contact us, and anyone with the Finance: Administer permission will get a reminder of this in a banner on their Arbor Dashboard.

 

Identity verification FAQ

Why is identity verification required?

Identity verification is important and is legally required as part of Know Your Customer (KYC) regulations. These laws require us and our payment provider to collect and verify information of all our card payment account holders - click here for more details on how our payment provider complies with KYC regulations.

What is the verification process?

  1. Arbor collects the required information from your school and provides it to our payment provider.
  2. Our payment provider then verifies the information. If verification fails, the submission is manually reviewed. Then the account is manually verified, or rejected if the information cannot be verified.

Why do you ask for the school controllers/owners and representative’s details (name, address etc.)?

The regulations in Great Britain require us to collect and maintain this information. This is then submitted to our payment provider to verify its authenticity.

These requirements promote transparency and prevent individuals from using complex company structures to hide terrorist financing, money laundering, tax evasion, and other financial crimes.

The information you provide will not be used for any other purposes than identity verification.

Do I have to provide a photo ID?

You must provide photographic identification such as a Passport or Driver's License to verify that you are who you say you are.

We are bound by Governmental guidelines to check who our customers are by asking them to provide their name, date of birth and photograph on an official document which confirms their identity.

Because of this, you must provide a photo ID during the card payments setup process to be able to complete the process and use card payments in Arbor.

Is my data safe with Stripe?

Arbor uses Stripe as a payment provider and creates a Stripe Connected Account for your school when you start using the card payments functionality. 

Stripe takes privacy and security very seriously. The Stripe Privacy Policy explains how and for what purposes they collect, use, retain, disclose, and safeguard any personal data provided by Arbor.

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