Why does Paxum go through a bank that requires TWO photo IDs?

[Arnox]

I just don't get why they think it's safer to have two photo IDs. If I've forged one document, wouldn't it make sense that doing a second one wouldn't be all that hard? I'm really thinking about just saying fuck it and moving on to another payment processor.

What, aside from Paypal, is the best way to go about business? Do people even use Payoneer? Really need advice, because these guys make getting my money a proper pain in the ass.

[Klen]

Sorry,you have no other choice then pull your pants down and submit.Payoneer is supported by only few sponsors.

[mikesinner]

Originally Posted by KlenTelaris

Sorry,you have no other choice then pull your pants down and submit.Payoneer is supported by only few sponsors.

What the fuck are you talking about? Payoneer is used by 10x as many sponsors as Paxum.

[3om3]

that coz of Money laundering
i ask them before

[Klen]

Originally Posted by mikesinner

What the fuck are you talking about? Payoneer is used by 10x as many sponsors as Paxum.

Lulz,so you claim how 10x more sponsors have payoneer as option compared to paxum?

[fuzebox]

Paxum uses a bank owned by Payoneer.

[signupdamnit]

The weird thing is I think the bank is in Belize. It's kind of funny having a bank in Belize demanding citizens from countries like the US provide all this information due to fraud. I might understand it if they were Chase bank asking Ukraine citizens for two forms of ID but that isn't the case.

Paypal is the way to go. They seem to be moving to being more adult friendly and the risk of being screwed is far less. I've had a Paypal account since around the turn of the century and I don't remember the last time I had to send an ID or verify anything besides a new bank account or credit card and all I had to do is confirm a certain deposit amount (as opposed to sending copies of the card or me holding it up). There is almost no bullshit at all.

[Best-In-BC]

Paxum requirements will kill it .

[pornguy]

the industry has not one to blame but themselves.

[OldJeff]

Originally Posted by signupdamnit

The weird thing is I think the bank is in Belize. It's kind of funny having a bank in Belize demanding citizens from countries like the US provide all this information due to fraud. I might understand it if they were Chase bank asking Ukraine citizens for two forms of ID but that isn't the case.

Paypal is the way to go. They seem to be moving to being more adult friendly and the risk of being screwed is far less. I've had a Paypal account since around the turn of the century and I don't remember the last time I had to send an ID or verify anything besides a new bank account or credit card and all I had to do is confirm a certain deposit amount (as opposed to sending copies of the card or me holding it up). There is almost no bullshit at all.

It is the US anti money laundering laws that require it

[signupdamnit]

Originally Posted by OldJeff

It is the US anti money laundering laws that require it

Strange. I think I moved six times since I opened a Paypal account. I don't remember changing the address but maybe once or twice. I don't even think they have my current post office box number on file. I doubt they have a current phone number either (I think I'll check this later). And I've never been hassled or asked to verify anything. I've never sent them a copy of any photo ID. I've never had to go anywhere in person to show such ID to any of Paypal's agents.

And Paypal is publicly traded and subject to auditing (real financial auditing) and U.S. banking regulations too. I'm also a U.S. citizen and they are a U.S. corporation.

I've probably had my Paypal account for about 14 years now!

How can this be? How can they do this but Paxum cannot?

[RuthB]

Originally Posted by Arnox

I just don't get why they think it's safer to have two photo IDs. If I've forged one document, wouldn't it make sense that doing a second one wouldn't be all that hard? I'm really thinking about just saying fuck it and moving on to another payment processor.

What, aside from Paypal, is the best way to go about business? Do people even use Payoneer? Really need advice, because these guys make getting my money a proper pain in the ass.

Hi Arnox,

To verify a Paxum personal account, each client must submit a picture ID and a proof of address.

For the picture ID, if you can provide us with an International Passport then that is sufficient and 2 Picture IDs are not required.

We will never ask for a 2nd ID if we think previously submitted documents are forged. If we believe submitted documents are forged then we will simply reject that client, and not give them the opportunity to provide another forged document since their intentions are already clear.

We only ask for a 2nd Picture ID if the first picture ID is insufficient for our KYC requirements. As we have explained in the past, we must comply with KYC (Know Your Customer) requirements, and as a result, so must our clients. We accept a wide variety of document types if you're unable to provide us with an International Passport.

I'm sorry you're feeling negative about our service, I hope you choose to continue using Paxum to receive your affiliate payments. Please let me know if there's anything I can do to assist you directly.

Thanks,
Ruth
[email protected]

[Stephen]

The funny thing is that in the U.S., you can VOTE without showing ANY photo ID

The world's priorities are little topsy-turvy at times

[RuthB]

Originally Posted by Stephen

The funny thing is that in the U.S., you can VOTE without showing ANY photo ID

The world's priorities are little topsy-turvy at times

That's a little scary don't you think Stephen? That means anyone can show up and vote on your behalf and no-one will know otherwise. That seems like an open invitation for fraud, and it probably helped contribute to the whole Bush presidency drama that came out of Florida a decade ago...

In Canada voters must prove their identity before they can vote - http://www.elections.ca/content.aspx...index&la ng=e

[fris]

when signing up for an account at any bank here, you need 2 or 3 pieces of id.

[brassmonkey]

payoneer and paypal no hassles at all to get paid.

[Pornopat]

Both Paxum and Payoneer use the same bank.
The choicebankltd does not require two photo id's
This is a paxum thing.

[LeRoy]

High risk biz thats why. Follow the rules or go to another company

[RuthB]

Originally Posted by Pornopat

Both Paxum and Payoneer use the same bank.
The choicebankltd does not require two photo id's
This is a paxum thing.

Hi Pat,

I'm sorry but your statement is incorrect.

Choice Bank dictates which IDs must be provided to us by our clients. We must comply with these requirements in order to be able to provide our services.

It is not for me to comment as to whether Payoneer follows the rules dictated by Choice Bank, all we at Paxum can do is make sure that WE are compliant with the rules outlined to us so that we can provide our services.

As stated earlier, we request a picture ID and a proof of address for account verification. If a primary picture ID cannot be provided, then we request two alternative picture IDs to supplement the verification.

It's very straightforward.

Thanks,
Ruth

[OldJeff]

Originally Posted by signupdamnit

Strange. I think I moved six times since I opened a Paypal account. I don't remember changing the address but maybe once or twice. I don't even think they have my current post office box number on file. I doubt they have a current phone number either (I think I'll check this later). And I've never been hassled or asked to verify anything. I've never sent them a copy of any photo ID. I've never had to go anywhere in person to show such ID to any of Paypal's agents.

And Paypal is publicly traded and subject to auditing (real financial auditing) and U.S. banking regulations too. I'm also a U.S. citizen and they are a U.S. corporation.

I've probably had my Paypal account for about 14 years now!

How can this be? How can they do this but Paxum cannot?

You answered the question yourself, 14 years ago the rules were different

[signupdamnit]

Originally Posted by OldJeff

You answered the question yourself, 14 years ago the rules were different

Yes except I still have the account and I'm not getting any hassle from them at all. Surely if the law was that they had to do all that crap they would be bugging me for proof of address, no po boxes, two photo IDs, proof of credit card, signing in blue ink, new IDs each time the IDs expire, etc. It's not happening. I have no problems at all and don't remember the last time they hassled me. It's ridiculously easy with Paypal.

[OldJeff]

Originally Posted by signupdamnit

Yes except I still have the account and I'm not getting any hassle from them at all. Surely if the law was that they had to do all that crap they would be bugging me for proof of address, no po boxes, two photo IDs, proof of credit card, signing in blue ink, new IDs each time the IDs expire, etc. It's not happening. I have no problems at all and don't remember the last time they hassled me. It's ridiculously easy with Paypal.

I dunno then, I needed ID to open all of my accounts, personal, business checking, and merchant accounts. But thinking back I did not need it to open my paypal account.

Paypal is the exception rather than the rule though

[billbailey]

My scan of my passport got rejected by Paxum because it didn't also include a scan of the blank page next to the page with my details and photo on.

[Pornopat]

Originally Posted by RuthB

Hi Pat,

I'm sorry but your statement is incorrect.

Choice Bank dictates which IDs must be provided to us by our clients. We must comply with these requirements in order to be able to provide our services.

It is not for me to comment as to whether Payoneer follows the rules dictated by Choice Bank, all we at Paxum can do is make sure that WE are compliant with the rules outlined to us so that we can provide our services.

As stated earlier, we request a picture ID and a proof of address for account verification. If a primary picture ID cannot be provided, then we request two alternative picture IDs to supplement the verification.

It's very straightforward.

Thanks,
Ruth

Hey Ruth,

I am sorry but this is not the first time Paxum tells me something else as Choice does.

When I opened my own account at choice only one picture id was required.
Maybe this will help:
http://www.choicebankltd.com/Corpora...tChecklist.pdf

Cheers

Patrick

[whOaKemosabe]

i need pic of me holding up an id? on head? and a pic of that pic in blue ink only?

[_Richard_]

Originally Posted by fuzebox

Paxum uses a bank owned by Payoneer.

they own that bank? lol

[RuthB]

Originally Posted by Pornopat

Hey Ruth,

I am sorry but this is not the first time Paxum tells me something else as Choice does.

When I opened my own account at choice only one picture id was required.
Maybe this will help:
http://www.choicebankltd.com/Corpora...tChecklist.pdf

Cheers

Patrick

Hey Patrick,

I can see where that might seem confusing, but the type of account you have with Choice Bank is different from the type of account that Paxum has with Choice Bank. We provide accounts to our clients, and they are not bank accounts, they are ewallet accounts with an optional Mastercard feature.

The KYC requirement I mentioned earlier is not the same as the KYC requirement for opening a bank account. Paxum is not a bank, Paxum is an ewallet.

Thanks for responding.

Best,

Ruth

[Arnox]

Originally Posted by RuthB

We only ask for a 2nd Picture ID if the first picture ID is insufficient for our KYC requirements. As we have explained in the past, we must comply with KYC (Know Your Customer) requirements, and as a result, so must our clients. We accept a wide variety of document types if you're unable to provide us with an International Passport.

All I want to know is why a driver's license isn't enough for me to prove my identity. Every other program or service I have subscribed to in the past has accepted my Nationally recognised driving license as primary ID - it seems strange that Paxum doesn't.

Can you reference anywhere that states that as part of KYC, a driver's license isn't sufficient primary photo ID?

I'm an Australian citizen, and according to this guideline:

http://www.austrac.gov.au/files/cip_form_ind_mar08.pdf

AN ORIGINAL OR CERTIFIED COPY OF A PRIMARY PHOTOGRAPHIC IDENTIFICATION DOCUMENT

? a licence or permit issued under a law of a State or Territory or equivalent authority of a foreign country for the purpose of driving a vehicle that contains a photograph of the person in whose name the document is issued

Is all that is required.

I'd really like some clarification on the guidelines you're following and where they state that an driver's ID is NOT a primary form of photographic evidence.

[mikesinner]

Originally Posted by fris

when signing up for an account at any bank here, you need 2 or 3 pieces of id.

in U.S? Never even needed one here in Indiana.

[Sly]

Originally Posted by Arnox

All I want to know is why a driver's license isn't enough for me to prove my identity. Every other program or service I have subscribed to in the past has accepted my Nationally recognised driving license as primary ID - it seems strange that Paxum doesn't.

Can you reference anywhere that states that as part of KYC, a driver's license isn't sufficient primary photo ID?

I'm an Australian citizen, and according to this guideline:

http://www.austrac.gov.au/files/cip_form_ind_mar08.pdf



Is all that is required.

I'd really like some clarification on the guidelines you're following and where they state that an driver's ID is NOT a primary form of photographic evidence.

I can't speak for them, but a drivers license is not a universal form of identification at all, but a passport is. I'm currently looking into getting a non-American (I am American) bank account, and the places I have spoke with all want my passport, my state ID means nothing to them.

[RuthB]

Arnox - can you please send me an email and tell me your account Username (the email you use to login) with us, and the ticket # regarding this issue?

Thanks in advance.
Ruth
[email protected]

[fris]

Originally Posted by mikesinner

in U.S? Never even needed one here in Indiana.

dont know if it matters, but banks here arent owned by corporations like citibank, etc.
our banks are controlled by the government, probably why we've never had any banking issues with bailouts, etc.

[woj]

Originally Posted by signupdamnit

Paypal is the way to go. They seem to be moving to being more adult friendly and the risk of being screwed is far less. I've had a Paypal account since around the turn of the century and I don't remember the last time I had to send an ID or verify anything besides a new bank account or credit card and all I had to do is confirm a certain deposit amount (as opposed to sending copies of the card or me holding it up). There is almost no bullshit at all.

very true... did any of you ever submit a photo id to paypal? I certainly haven't.... they have gazillion users, are for sure on a radar screen of every regulator in every country just itching to fine them millions of $$ for non compliance, and yet I haven't heard of anyone having to submit photo ids to paypal, what gives?

[AdultKing]

Originally Posted by RuthB

Arnox - can you please send me an email and tell me your account Username (the email you use to login) with us, and the ticket # regarding this issue?

Thanks in advance.
Ruth
[email protected]

Ruth, unrelated to this thread, what's the best time to contact you and are you on Skype ?

[arock10]

Ah another one of these threads. Just remember the paxum MasterCard has even stricter requirements to obtain then the paxum acct!

[RuthB]

Hi Arnox,

Thanks for sending your account information to me. It seems that your Paxum account is already verified, and this additional ID request is in relation to the Paxum Mastercard. I have replied to your email explaining which documents are acceptable to be able to move forward and request your Paxum Mastercard.

Thanks,
Ruth


AdultKing - I see you sent an add request on Skype today and I've accepted it. Hit me up whenever works for you. Thanks

[Rochard]

Some people don't have two photo ids. Most in the US only have one, their DL. I also have a passport, but my wife doesn't. All she has is her DL.

[James_Hotmovies]

the know your customer laws have cuased us many hassles in the past few years.

I've worked with Paxum for a long time and have had nothing but exceptional service.

I'd rather every jackass have to submit 10 photo ID's instead of losing my money like what happened with ePassporte