Paxum Security Double Standard
 

It seems Paxum will not accept identification if you place a watermark on the scan which says "For Paxum ID Purposes Only".

There's no way in hell I'm going to give any company a large format scan of my Passport or other Identification documents for potential misuse later on.

If all Paxum need the documents for is for Know Your Customer then a watermark stating "For Paxum ID Purposes Only" should not matter. On the other hand, a large format clear unwatermarked image of an ID document would be perfect for ID fraud down the track :2 cents:

Paxum: Don't expect your customers not to take precautions with valuable documents.

Paypal accepts documents with a watermark on them.

Correct, they do.

There is no possible legitimate reason Paxum should not accept documents that have been marked as only for use for the prescribed purpose.

OKpay also allows watermarked scans and I believe they use the same bank Paxum uses.

The choice is simple, don't deal with companies that don't take the protection of personal documents seriously. There are too many examples of "rogue employees" in this business not to take precautions with documents.

Hahaha. Nice one. Don't see why they wouldn't accept it like that, unless it was plastered all over your face and your face is hidden :)

Light transparent watermark over the document stating "For Paxum ID Verification Only"

Paxum's reply

Such a perfect image of original documents is perfect for ID fraud. Fuck that. :2 cents:

Paxum should take the security of their customer's personal ID documents seriously. :2 cents: If a customer wants to ensure their document will not be re-used then a watermark shouldn't be a problem.

Of course there is no reason to be suspicious when every Paxum support rep uses Paxum22 or Paxum23 as an identifier, no name or anything. It's a bit rich anonymous reps demanding the handing over of perfect unadulterated scans of ID documents.

Their CSR's are retarded. If they aren't third world dirtfeet then they are the same quality.

Which makes me even less inclined to send an unwatermarked copy of my documents. :helpme

If the problem is just the photo editing, technically you could add some kind of watermark there with a piece of transparent foil before taking the photo.

Do Payoneer and redpass accept watermarked scans?

Paxum is a joke. :1orglaugh

Payoneer do, or at least did when I submitted my docs to them.

Well, strike one for Paxum

Maybe they can address it after the show. I'm not sure what the deal would be since I never had to do these things with paypal (the only thing I've used). Why does paypal ask for documents?

KYC requirements. Paypal asks for docs once a certain amount of money has gone through your account.

Who are the owners of Paxum and what countries do they live in? Is there a statement or guarantee made anywhere in writing with a remedy for if they use the information supplied for anything but the intended purpose (verification only)?

I imagine soon they will have a complete database of most people in the industry with a lot of home addresses, photo IDs, and government documents. I'd hope they aren't basically free to do with it whatever they please.

Oh I didnt know. I've only had a couple of thousand go through mine directly to my bank account. Sure would suck if I need to transfer money and couldnt send them a document.. not sure I have a working scanner. I'll have to read up on what documents they will eventually require.

The (main?) owner is Octav from Canada, who made his name with a penis pill company. If I recall from when they launched, there were other 'owners' or 'partners' but they refused to disclose who said 'owners,' 'partners,' 'investors,' whatever were.

Totally transparent, nothing to worry about.

No Paxum response ?

There is that small Xbiz gathering in Miami. Maybe the Paxum reps are on a plane and not reading GFY.

Personally I don't give a shit if the second coming is occurring. The rest of the world doesn't stop operating because there's a small XBiz gathering in Miami.

Poor form Paxum, great way to show us all how little you regard your customers.

When Epass (yes, I know how well THAT worked out...) cut me off and asked for photo documention, I had a passport picture taken at WalMart and it was stamped, signed, and attached to a letter from my attorney.

My lawyer - as I'm sure yours is - is a notary public; and his stamp and signature are all that is needed to produce an official government photo ID.

It works at more than Epass, too.

I don't even scan this I.D. - I use a webcam to create an unuseable - but perfectly legible - copy of a non-descript, non-threatening, government issued photo ID.

YMMV.

Timothy Hortons

I wonder what happened to the massive store of documentation Epassporte had control over ? All that personal information under the control of that scammer Mallick ? I'd feel real good about that.

This is not true, I've done 50-75k thru my paypal account and never have been asked to prove anything.

What was the penis pill company?

O.A. Internet / Pills Money

In their defense, they have been around for a long time.

Now Paxum want me to submit an ID with my watermark but to ensure that the watermark doesn't touch any characters or photos on the ID, hence making a watermark pointless because it could easily be shopped out. The point of a watermark is to prevent misuse of the document. This whole thing smells to me.

Paxum is too difficult to deal with, never had these problems with Paypal or Payoneer.

as someone already guessed, Ruth is in Miami, and her schedule is fairly tight. She would have normally answered by now if she wasn't away. the Paxum official channel of communication is and always was the ticketing system.

back to the original subject, the support team follows strict rules on what is accepted and what is not. they are trained to look at details on the document. If you wish to watermark it, you can do that on a spot that is white. or you can submit a document twice, with the transparent watermarked in different places, ideally in spots where they wouldn't cover parts of the picture, characters or safety features. all we are interested in is being 100% sure that every id in our system is real. Many users watermark the document outside of the borders of the id, and that has not been a problem thus far. Our work has lots to do with sensitive information, and internal access is restricted. We know at all times which employee has answered each ticket and checked each document.

we are aware of the fact that the tight security is making some people uneasy, but it's part of our way of ensuring that everyone from our users to our banking partners and ourselves are safe. if other companies are willing to take the risk, that is their choice. though some potential clients will choose to use another system, we are convinced that doinghathingsharight is the way to go for us.

I've used the ticketing system without satisfaction, hence I have brought the matter to a public forum.

The watermark I have placed on my ID is transparent, light and does not detract from the image at all. The only effect of the watermark would be to stop copying of the ID. The completely stupid thing about this is that you have accepted this ID before for another account.

Seeing as your company seems more interested in collecting insecure identity documents than ensuring KYC best practice, I'd like you to provide me a way to withdraw my funds and close both my Paxum accounts.

By the way, your customer support sucks.

If Payoneer requests ID confirmation, we simply require it to be an official government-issued ID (driver's license, national ID or passport). You can certainly place a watermark on the scan, so long as we are able to confirm that the ID is valid, as the document is used for the sole purpose of confirming your identity and processing your application.

One man's "tight security", is another man's "total disregard for safe guarding the identities of your customers".

:2 cents:

:1orglaugh

your loss, imho

Don't their staff work from home? What's to stop them from making copies/screenshots when they validate documents and save them locally?

The two remote staff being Ruth and myself do not have access to these documents.

The ridiculous situation is that Paxum have previously used these exact same documents to verify a business account.

In any case, if Paxum won't accept watermarked documents and I am certainly not going to give Paxum (or anyone) unwatermarked documents then perhaps Chris can tell me how to cash out of Paxum and close these accounts.

I think watermarking it outside the borders is going to be ok. Most government ID's have watermarked paper as well as other possible security features that would not be easily counterfeited even by an expert.

All these companies should really need is your info anyway. It's not like I can't photoshop scam info I want onto a fake id should I so choose. There has to be a better way to verify

Another perspective is that there's no way someone can photocopy a gov. ID and try to just print it out and pass it off as genuine. With or without a watermark, there's an unknown number of other security features on those things. Photocopying and printing a dollar wont make it usable AS a dollar. Maybe it's not a perfect example, but close.

I mean, I'd personally think it'd be ok to have a light watermark across the whole thing, but if these guys need to work within a set of rules set by someone higher up, then so be it.

Kind of a rock and hard place deal.

I'm getting really pissed off with the lack of support from Paxum over this issue. All I get from the ticket system are canned emails from obviously unintelligent support staff.

I feel your pain. My employer is having an issue of being locked out of his account, he did all that they asked and still locked out. And he had to pay us with Paypal instead yesterday and that sucks ass.

What country are you in? Receive more than ?750 in a Paypal account as an EU citizen and you will be required to provide docs.

What if they use the jpeg to open another paxum account or a redpass account in your name?

Lets say they allowed the watermark, why would that prevent a nefarious person from still opening another account in that name? If they're that much into theivery they surely wouldnt care.

If you want email me your ticket # to [email protected] so I can see how support handled you.

I happened to be at a mainstream show yesterday while this was posted and I had been answering you from my phone.

For you to withdraw funds in any method you must verify your account. Simply move your watermark and you will be fine.

If you do not want to do that you can refund the money that was sent to you and accept another payment method.


Chris

Why do I need to be verified twice ? You've accepted this ID to verify a business account over one year ago, you need something different now ?

Complete and utter bullshit. For the record, I've sent two different images of the passport, neither is acceptable.

I'm not going to play pass the parcel with the small amount of funds that are in the account, I've already wasted enough time on this crap. I'll go down another path to ensure that my point is made :2 cents:

With a clear scan of a passport it would be possible to open merchant accounts.... Assuming that someone would ever have a need for multiple merchant accounts.

If you can't trust dick pill slingers, who can you trust?