Quick and Simple Guide to Setting up Sacombank Pay on Your Phone, Anyone Can Do It

Banks are constantly striving to digitize their operations to provide users with the most convenient user experience. Sacombank is no exception to this general trend. This is reflected in the fact that the bank has allowed users to fully perform Sacombank Pay identification online on mobile phones. So how do you go about it?

What is Sacombank Pay identification?

Before we delve into how to identify Sacombank Pay, let’s take a look at some key information about the Sacombank Pay application. Sacombank Pay is an application released by Sacombank – Saigon Thuong Tin Commercial Joint Stock Bank to assist customers in managing their bank accounts and conducting convenient financial payment transactions without the need for an ATM card.

Through this application, users can not only easily perform various transactions such as money transfers, bill payments, shopping payments, etc., but also quickly access information such as account number, balance, transaction history, etc.

What is the requirement for Sacombank Pay identification? Is it mandatory?

What is Sacombank Pay identification?

Currently, most banks have implemented online bank account opening on mobile devices, including Sacombank. In order for the Sacombank online account opening process to be successful, users must complete the identification process on the Sacombank Pay application.

Account identification is also called the eKYC technology, which is the identity verification technology of customers. In simple terms, this process is to verify whether the person opening the account is the rightful owner of the personal documents used during the account registration.

From there, it avoids the case where a fraudster steals someone else’s personal documents to open an online account for personal gain, causing trouble for the rightful owner.

Is Sacombank Pay identification mandatory?

The answer is YES. Every customer opening an account with Sacombank Pay must complete this identification step. It is the process of verifying facial information and personal documents of the registrant. If the registration information matches the personal documents, the account will be activated.

Currently, Sacombank allows customers to authenticate and identify Sacombank Pay directly on the application. Thanks to that, users can flexibly complete the process anytime, anywhere, and save a lot of time compared to going directly to the branch as before.

Requirements for Sacombank Pay identification

To be able to identify Sacombank Pay, customers need to meet the following conditions:

• Have the original ID/CCCD (Citizenship Certificate) for verification.
• Own a smartphone with a working network connection and camera. 
• The account holder must personally carry out the identification process, and it cannot be done by someone else on their behalf.

In addition, to be able to identify on the Sacombank Pay application, you also need to download this application to your device and have a login account. 

• Download the Sacombank Pay app for Android phones: Here.
• Download the Sacombank Pay app for iOS phones: Here.

Detailed guide on how to identify Sacombank Pay

Currently, there are 2 levels of Sacombank Pay identification:

• Level 1 identification: For customers who authenticate online (eKYC) using chip-attached ID cards (CCCD).
• Level 2 identification: For customers using Sacombank products or services, authenticated through methods such as linking Sacombank cards/bank accounts, eKYC, or verification at Sacombank branches/business offices.

How to perform Level 1 Sacombank Pay identification

The steps to perform Level 1 Sacombank Pay identification are as follows:

Step 1: Open the downloaded Sacombank Pay app on your mobile phone and log in to your account.

Step 2: Select the Account management section > Select Verify Now below your account name > Select Online Verification.

In case your phone does not support NFC functionality, customers need to contact a branch/business office to perform verification at the counter.

Step 3: Position the front of the CCD in front of the phone’s camera and press Take Picture > Press Next.

Repeat the process with the back of the CCD > Press Next. 

Step 4: Hold the CCD card close to the phone as instructed on the screen to enable NFC to read the chip information.

Note: The CCD capturing image needs to be clear, not blurry, not cut off, and not over-exposed. At this point, the system will automatically compare the facial image on the customer’s ID card with the customer’s face.

Step 5: Scan your face as requested.

Step 7: Enter the information required to open a payment account, then press Continue. Then, the screen will display the notification Online Verification and Successful Account Opening. It’s done!

How to perform Level 2 Sacombank Pay identification

Level 2 Sacombank Pay identification will link Sacombank cards with Sacombank Pay. This identification method applies to customers who already have payment accounts but have not been identified. 

The steps are as follows:

Step 1: Access the Sacombank Pay app on your phone and log in to your account. 

Step 2: In the Account management section, select Verify Now below your account name.

Step 3: Select Link Sacombank Card/Account.

Step 4: Next, you can choose one of two methods to perform the verification, either using Personal Information or Card Information.

• If you select Personal Information, you will need to enter the following information: Full Name, ID/Passport number, Phone Number, and tick the box to agree to the terms and conditions of use of Sacombank.

• If you select Sacombank Card, you will need to proceed to scan the card using the camera or enter the card information as required, such as Card Number, Card Expiration Date, CVV, and then tick the box to agree to the terms and conditions of use of Sacombank.

Requirements for linking using personal information:

• Having information in the Sacombank system.
• Using authentication methods (SMS, mSign, Token).

Requirements for linking using card information (applicable to credit cards, personal payment cards):

• Customers have opened cards at Sacombank.
• The card is not locked or expired.
• Using authentication methods (SMS, mSign, Token).

Step 5: After completing the information entry step, the system will send you an OTP verification code to your phone number. Enter this code to complete the Level 2 Sacombank Pay identification process.

Why is Sacombank Pay identification unsuccessful?

Although the Sacombank Pay identification process is easy to perform, many people have not been successful. Here are some reasons:

Sacombank Pay is experiencing errors, maintenance, or network congestion

This system error occurs when the system enters maintenance mode while customers are in the process of identification. Or at that time, the system is overloaded with transactions, causing the network to be congested.

At this time, all transactions and operations performed on the Sacombank Pay application cannot be carried out, including your identification process.

The solution is to temporarily exit the application and wait for a while before re-entering.

Personal document errors

If the personal document information you uploaded during identification is different from the system’s recognized information during account registration, the identification process will not be successful. 

In addition, if you use a photocopy of the personal document or an expired original document, the identification process will also not be successful.

The solution in this case is to double-check the information or contact the bank to make corrections.

Personal document photo does not meet the requirements

In the document capture step, you need to ensure that the document is clear, not blurry, not cut off, and not overexposed. Only then can the system recognize all the information on the personal document.

To ensure this, the quality of the camera is also very important because if the camera is damaged or degraded, the captured image will not be clear. 

In this case, choose a well-lit shooting location and position the document to capture all corners of the document. If the image is blurry due to poor phone camera quality, you need to switch to another phone with better camera quality.

Customer’s face does not match the photo on the personal document

Another reason that may make the Sacombank identification process unsuccessful is when the scanned face does not match the photo on the ID card/Passport.

In the identification process, the system will request the user to scan their face. Based on the scanned image, the system will compare it with the photo on the personal document to determine the matching rate. If the comparison rate is different, the identification process cannot be completed. 

This case is rare, but sometimes it does happen, especially when the personal document has been made for too long or you have undergone cosmetic procedures that have changed your face. Or during identification, you were heavily made up, so your face looks different from the photo.

In this case, if your personal document is too old or you have changed your appearance and cannot make it match, you should report it as lost to redo the document. 

Note that when performing the Sacombank Pay identification, you should not heavily make up to avoid changing your appearance.

Conclusion

That was all you need to know about identifying Sacombank Pay. The process can be done completely online on your mobile phone and is quite simple, so please apply it to avoid having to go directly to the counter.