Identity verification is a regulatory requirement for any service that handles payments — Split Pay included. We're required to confirm you are who you say you are before we can process payments on your behalf.
Why it exists:
It protects you from someone else opening an account in your name
It helps us verify every account across the system
It's mandatory under federal law for financial services
What it looks like: during signup, we ask for your name, date of birth, and address, then use a few standard methods to confirm everything matches official records. Most people get through the process in a couple of minutes.
One thing to know: verification is something every customer goes through, the same way. It isn't applied differently based on who you are or where you live. If it feels like a lot of friction, that's because the stakes (preventing identity theft) require a real check.
If something specific is going wrong with your verification, see the FAQ on Why did my identity verification fail?.