PAYMENTS 

Overview & FAQs

This article will provide you with an overview of our payments solution and answer common questions. 

1. Overview

Our payment solution aims to help you recoup the cost of your AML compliance by charging the individuals completing the verification directly via Credas. Payments will be collected as part of their verification journey you send to them before they are able to complete the verification. 

If you have our payments solution, you will be able to choose how much you charge individuals from our variety of tiers. You will also be able to choose who you charge directly.

If you do not currently have our payment solution, or if you have any questions regarding your account or costs please contact us at sales@credas.com. 

If an individual is struggling to complete their payment, please see our guidance here. 

2. How do you receive your rebate?

You will receive the rebate as part of your monthly invoice alongside any charges for credits, subscriptions and additional work. You will see an additional line for rebates for the month prior. Your total invoice will therefore be any chargers minus rebates which could be a net positive in some months. 

3. How do you support the individuals completing payment?

To view how you can best support the individuals completing their payment and also how they can contact our dedicated payment support team, please click here.

4. How do you send a payment to an individual? 

To send a payment journey to an individual, please follow the steps laid out here.  

5. What happens if an individual fails their verification? 

If an individual has failed any of their checks, please see our results guides here to help you remediate the checks, it will be down to your internal organisations policies and procedures on what you should do next. However if you wish for the individual to have another attempt at capturing their liveness and Identity Document, you can resubmit the check to them by following the steps outlined here. The individual will not be asked to complete another payment if you resubmit their Identity Check following these steps, however this will still incur the usual 1 credit for resubmitting the check.

If you wish for the individual to complete another payment, please follow the steps laid out in the steps in the following article, and select a journey that includes payment: click here.

6. What happens if the individual does not pay?

If an individual does not complete their payment, they will be unable to proceed any further within the journey and they will not be able to complete their assigned tasks. 

7. Can you remove the payment?

Once you have issued a journey that includes payment to an individual, the individual will not be able to complete the journey unless they have paid. If you no longer wish to charge the individual, you will need to create a new 'individual' profile and issue them a new journey by following the instructions here. When choosing the journey to issue them, please ensure this journey does not include payment.

If you do create a new profile for the individual, and you wish to delete their old profile, so they do not receive any automatic reminders for the previous payment journey, you can do so by following the instructions here. We recommend speaking with your manager or compliance officer first to check this is okay with your organisations policies. Please note, deleting individuals is dependent on your permissions, if you do not have the ability to delete an individual, please reach out to you portal admin. 

8. How do you choose the payment amount?

The payment amount will already be pre-set within the payment journey you send to an individual. You will be able to choose between sending a payment journey or a journey that does not include a payment, if you do not wish to charge certain individuals based on your internal policies.

Credas offers different tier amounts that you can have in your journeys, if you wish to speak to our team regarding the payment amounts available, please contact our team at sales@credas.com 

9. How much rebate will you receive? 

Please reach out to sales/account management team (sales@credas.com) who will be able to confirm your rebate amount with you.

10. Do you need to be VAT registered? 

No, as Credas will be processing the payment and issuing a single rebate, you will not need to be VAT registered. Credas will take care of all tax/VAT requirements. 

11. What payment methods do you support? 

We support all major credit and debit cards as well as Google and Apple pay.

12. What happens if an individual requests a refund or chargeback?

For any questions related to refunds or charge backs please contact our dedicated payments team at payments@credas.com

13. How do you know when an individual has completed their payment?

To find out if an individual has completed their payment, please follow the steps laid out below. Additionally, the individual will not be able to complete their verification until they have completed payment. Therefore if no results have been returned, it is likely that the individual has not yet completed their payment. 

1. Firstly, in the individuals profile, click into the 'processes' tab as highlighted below. After this, click into the payment journey in question.

2.  After this, you will see a payment step as below. This will likely be either step 2 or 3. If this shows as complete then the individual has completed their payment. If this says 'pending', then the individual has not completed their payment. 

Got any questions? 

If you have any questions please reach out to the Credas support team by contacting us here

We are committed to continually improving our support resources for you. We would greatly appreciate your feedback below to help us enhance your experience.