Expectations regarding KYC and how Apto provides support
Provided that there are no issues, KYC is processed/approved almost instantly.
If a user has provided information that is incorrect or was entered incorrectly, our Cardholder Support team will reach out to request supporting documentation in order to verify their identity.
If a user has been rejected by our automatic KYC process;
- Apto's Cardholder Support will alert the cardholder via e-mail.
- This e-mail will notify the user that additional information is required to review their application process.
- Once the user responds with requested documentation, Cardholder Support will manually update the user's information (if required) and manually pass the cardholder.
If in the event the cardholder is unable to provide further information, documentation, or the information they've provided cannot be verified, they will continue to stay rejected.
KYC Requirements for Cardholders
Bank account owners (cardholders) must provide a government-issued ID as proof of identity to begin the KYC process. Here's a list of acceptable documentation we require for KYC:
|
PROOF OF ADDRESS |
GOVERNMENT ID |
PROOF OF SSN |
|
Utility Bill (Gas, water, sewer, electricity, or garbage bill that states “services provide at:”. Cell phone bills are not acceptable) * |
US Passport |
SSN card |
|
Rental Agreement Note: The rental agreement must be current as of the date of application. As in, they're still in the lease. |
US Govt ID (State or Federal) |
Tax return (e.g. IRS form 1040) |
|
Home insurance policy or bill * |
US Driver's License |
W-2 form |
|
Bank Statement * |
US Permanent Residency Card |
1099 form |
|
Pay Stub * |
US Work Authorization Card |
Pay stub that includes the full SSN |
|
Tax Statement |
US Military Card |
Military ID that displays the full SSN |
|
US Veteran Health Card |
ITIN Card |
*Must be dated within 60 days
You can find more information in our Documentation. If you have any questions about rejected KYC users, please reach out to the Program Support team by submitting a request.