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This guide explains how to create your Quidkey account and provide the information required for compliance approval, so you can enable Pay by Bank in your checkout.

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What you’ll need

About your business

  • Legal company name and registration number
  • Jurisdiction of formation and incorporation date
  • Registered office and operating addresses
  • Tax ID and VAT number, where your country requires them

About your people and payouts

  • Shareholders with 25% or more ownership
  • Company directors
  • Photo ID for the people who verify their identity
  • Your business bank account details

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Step 1: Create your Quidkey account

1

Sign up

Go to console.quidkey.com/signup and enter your first name, last name and work email. You can also sign up with Google.Quidkey doesn’t use passwords. You sign in with a one-time code sent to your email, or with Google.
Quidkey signup page
2

Verify your email

We send a 6-character code to your email address. Enter it to confirm your address and continue.
3

Tell us about your business

On the Get your business started with Quidkey screen, provide:
  • Brand name as your customers know it
  • Store URL
  • The industry you operate in
Then confirm that you’re an authorised representative of the business, accept Quidkey’s Merchant Terms and Privacy Notice, and authorise Quidkey to transact with our banking partner on your behalf. Click Complete Sign Up.
4

Open the Set up page

Until your account is live, the sidebar shows Set up in place of Dashboard. The Set up page lists your tasks:
  • Business details
  • Shareholders and Directors (companies only)
  • Bank account
  • Review and submit
Start with Business details. Shareholders and Directors and Bank account open once your business details are saved.

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Step 2: Complete your business information

1

Add your business details

Select Start on Business details. Where Quidkey can search your country’s company register, you can find your company there to fill in the details the register holds. You can also enter the details manually.Provide your company’s legal structure and registration details: jurisdiction of formation, company structure, legal company name, company number, incorporation date, registered office and operating addresses, and a contact for the business.Tax ID and VAT number are requested where your country requires them. If you trade as a sole trader rather than a company, you’re asked for your personal details, citizenship and residence instead, and there is no Shareholders and Directors task.
2

Add shareholders and directors

Open Shareholders and Directors. The line above the table says who your company needs. Add details for every shareholder with 25% or more ownership, and:
  • every director, if you’re incorporated in Australia
  • one director, if you’re incorporated in the UK, EU or US
For each person, provide their full name, date of birth, email, phone number, country of citizenship, residential address, and ownership percentage for shareholders.Select Add a person, then:
  • Add their details to enter their information yourself
  • Send them a link so they complete their own details. The link is copied for you to send. To have Quidkey email it, tick Send invitation via email.
If you found your company on the register, the people it lists are already in the table. Add their details, send them a link, or remove anyone who isn’t needed.A company the register lists as a shareholder shows Action needed. Use Add shareholder on its row for each person who owns 25% or more of your business through it, or choose No one owns 25% or more from its ⋮ menu. If it isn’t a shareholder, Delete it.
A director who holds no shares can be added with 0% ownership. Anyone recorded as a shareholder needs an ownership share above 0%.
3

Verify identity

One director and one shareholder with 25% or more verify their identity through our verification partner, Onfido. The same person can be both. If nobody holds 25% or more, one director verifies.To choose who verifies, select Request ID check on their row:
  • For someone whose details are saved, Copy link copies their verification link for you to send them. Quidkey doesn’t email it.
  • For someone you sent a link to, their link already leads to the check after their details.
  • For someone the register lists who isn’t added yet, enter their email to send them a link, as with Send them a link.
To change who verifies, select Ask someone else instead in the current person’s ⋮ menu. The Verification card on the Set up page shows who verifies and where each check stands.Verification links are personal: each person gets their own link, tied to their own identity check. Don’t send one person’s link to someone else. Anyone who completes their details through a link is offered the check when they finish.To send a saved person’s link again, use Copy verification link in their row’s ⋮ menu. If their link expired or their check didn’t succeed, the menu offers Issue new link instead. You’re asked to confirm, and any earlier link stops working.If a link sent with Send them a link expires before the person finishes their details, their row shows Link expired. Delete the invitation and send them a new link.

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Step 3: Add a bank account

Select Start on Bank account and enter your business bank account details. Payouts are sent to this account. The details we ask for depend on the country your account is held in: Every account also needs the account holder name, currency and country.
The account holder name must match the legal entity you registered. Payouts to an account held in a different name will be rejected by the receiving bank.

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Step 4: Submit for compliance approval

Review and submit opens once the other tasks are done, including the identity checks. Select Review on it to see a summary of your business details, people and bank account, with Edit to change any part. Tick the statement confirming your details are accurate and complete, then select Submit to send them to Quidkey.
If a partner or Quidkey set up your account, there is no submit step. Your details go to Quidkey once the other tasks are done.
Quidkey and its banking partners then review your details. The Set up page shows With Quidkey while the review runs. If something is needed from you, the page shows Action needed and names the task to fix. Once your details are approved, the page says Your accounts are being set up. while we finish opening your accounts. Once approved:
  • Live payments are enabled on your account
  • Payouts are activated
  • Your pricing is applied
Once you’re live, the sidebar shows Dashboard in place of Set up, and the dashboard shows You’re Live!. You can start accepting real payments.

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Step 5: Add Pay by Bank to your checkout

Choose the integration that fits how you sell.

Shopify

Install and connect our Shopify app in a few clicks. No code required, and you can run a test payment before going live

Payment Links

Share a link and collect a payment. Ideal for invoices and one-off charges

Embedded Flow (with Stripe)

Add Pay by Bank alongside your existing Stripe checkout

Payment API

Build directly against our API for full control over the payment flow

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Find your API credentials

Every integration except Shopify’s one-click connect needs API credentials. In the Console, open Developers to see your Client ID and generate a Client secret.
Your client secret is shown only once. Copy it straight away and store it somewhere safe. If you lose it, revoke the old secret and generate a new one.

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FAQ

Anyone holding 25% or more of the business, whether an individual or another company. If a company holds the shares, add that company’s details rather than a person’s. Where the register lists that company, add the people who own 25% or more through it instead, as in Step 2.
Yes. Select Add a person, then Send them a link. The link opens a page where they enter their own information and complete identity verification, without needing a Console account. The link is copied for you to send, or tick Send invitation via email to have Quidkey email it.
Your bank account is part of the information our banking partners review, and it’s where your payouts are sent. Adding it up front means payouts are active the moment you’re approved.
Add the account anyway. We’ll collect the identifiers your account can carry and get in touch if we need anything else to route your payouts. Contact support@quidkey.com if you’d like to confirm coverage before you sign up.

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Support

Questions? We’re here to help: