How It Works
Simple steps to verify your identity securely
Temporary Hold
A small hold confirms your card is valid and yours
No Charges
No funds are taken; holds release automatically
FAQs
Why verify identity?
To keep your account safe and prevent unauthorized access.
How does it work?
Is this a charge?
When is hold released?
Will I be billed?
We place a temporary hold to confirm card ownership.
No, the hold is not a charge and cannot be completed as a payment.
Your bank automatically releases the hold after verification.
No payments, subscriptions, or recurring billing are created.
Security & Compliance
BackToCard™ applies enterprise-grade information security controls designed to protect card verification data. Verification processing is conducted through PCI-DSS certified payment processors, including Stripe, Adyen, Braintree, Checkout.com, and PayPal. All data is transmitted using encrypted channels, and full card numbers or sensitive authentication data are never stored by BackToCard™.
BackToCard™ maintains a completed PCI Self-Assessment Questionnaire (SAQ) and follows security practices aligned with PCI DSS requirements applicable to its verification model. While BackToCard™ itself does not claim independent PCI certification unless expressly stated, all card verification flows rely exclusively on certified third-party processing infrastructure.
Enterprise Infrastructure Statement
BackToCard™ operates on payment and verification infrastructure widely used by global financial institutions, large-scale enterprise merchants, and high-volume platforms. The underlying systems and security frameworks are consistent with those deployed across major enterprise and multinational environments.
Third-Party Processor Disclosure
References to Stripe, Adyen, Braintree, Checkout.com, PayPal, or other third-party platforms are provided solely to describe the certified payment infrastructure used to process card verification. Such references do not imply sponsorship, endorsement, partnership, or affiliation unless explicitly stated.
Information Security Assurance
BackToCard™ employs administrative, technical, and physical safeguards aligned with industry best practices to protect information processed through the Website. Despite the use of high-grade security controls, no system can be guaranteed to be completely secure. By using the BackToCard™ Website, you acknowledge and accept this inherent risk.
Limitation of Liability
Verification services are provided on an “as is” and “as available” basis. BackToCard™ shall not be liable for card issuer behavior, authorization descriptors, pending transaction displays, processing delays, release timing, or decisions made by banks or payment networks.
To the maximum extent permitted by applicable law, BackToCard™ disclaims all liability for any direct, indirect, incidental, consequential, or special damages arising from the use of, or inability to use, the verification service or Website.