Device binding

Device binding is a security feature that helps protect your account from fraud by verifying your identity when you perform certain actions on a new device or browser. This process, which uses Identity Verification (IDV), confirms that it is you who is requesting the action. Once you successfully complete device binding on a new device, you will not need to verify your identity again on that same device unless you clear your cache or cookies, use an incognito browser, or wipe the device.

When is device binding required?

You will be prompted to complete device binding when you attempt to perform any of the following actions on a new device or browser:

First-time login to the mobile app or web portal
Create a Virtual Card
View the details of a Virtual Card
Add a Virtual Card to Apple Pay or Google Wallet
Create a contact
Add a card
Complete a Drawdown

How to complete device binding

When you are prompted to complete device binding, follow the instructions provided on the screen to verify your identity. This process is powered by our secure ID verification partner, Persona.

If you are using the web portal and are having trouble, you may have the option to Continue on another device.

Once your identity has been successfully verified, you will be able to continue with the action you wanted to complete.

My ID verification is unsuccessful, what should I do?

If your ID verification is unsuccessful, you will see a message indicating that we were unable to complete the action.

If you encounter this issue, please try the following:

Ensure you have a strong internet connection.
Make sure you are in a well-lit area for the photo and video portion of the verification.
Clear your browser's cache and cookies or try a different browser if you are using the web portal.
Delete and reinstall the Capital on Tap mobile app if you are using a mobile device.
Try to complete the action on a different device.

If you are still unable to complete device binding, please contact our support team for assistance.