How to Do ID Verification in STC Pay
STC Pay requires users to complete ID verification to access full services and comply with Saudi digital identity laws. Verification ensures account security and enables secure financial transactions.
What Is STC Pay ID Verification?
STC Pay ID verification confirms your identity using Absher and Nafath services. This process authenticates your account with biometric and personal information to comply with Saudi Arabian regulations (SAMA). Without verification, core features of the wallet remain restricted.
Verification protects:
- Personal privacy
- Transaction integrity
- Compliance with Know Your Customer (KYC) rules
Who Needs to Verify Their STC Pay Account?
All STC Pay users must verify their identity. This includes:
- New users creating a wallet for the first time
- Existing users prompted by in-app notifications
Account holders without verification:
- Cannot send money
- Cannot receive international transfers
- Are blocked from wallet upgrades or linking cards
What Are the Requirements Before Starting Verification?
Make sure you have these items ready:
| Requirement | Purpose |
|---|---|
| Mobile number under your ID | Required for Absher linking and OTP delivery |
| Absher credentials | Needed for ID validation and Nafath login |
| Nafath app | Required for facial recognition and identity sync |
| National address | For regional verification (city, street, postal code) |
| Employment information | Income range, employer name, and profession |
Step-by-Step Process: STC Pay ID Verification via the App
1. Open the STC Pay App
- Enter your STC Pay password to log in
- Go to “Account Information” from the home dashboard
2. Click on “ID Verification”
- Tap the green “Verify” button
- Confirm to continue via Nafath redirection
3. Complete Biometric Verification via Nafath
- Enter Nafath password
- Allow camera access
- Face recognition will start
- Click “Proceed” once the face scan is complete
4. Return to STC Pay and Enter Personal Information
- Your Date of Birth appears auto-filled
- Enter your email address
- Tip: If unsure, open “Settings” > “Accounts” to copy email
5. Add Country, Income Source, and Employment Status
- Set birth country (e.g. India, KSA)
- Select Income Source (e.g. Salary)
- Choose Income Range (e.g. 3,000–5,000 SAR/month)
- Define Employment Type (e.g. Private Sector)
6. Select Employer and Profession
- Use the search bar to select your Employer Name
- Choose your Profession (e.g. Driver, Technician, Accountant)
7. Fill National Address Details
- Enter the following:
- Building Number
- Street Name
- City (e.g. Riyadh)
- District
- Postal Code
- Additional Number
- Unit Number
Example:
| Field | Example Value |
|---|---|
| Building No. | 120 |
| Street | King Abdullah Rd |
| City | Dammam |
| Postal Code | 31433 |
| Unit No. | 4A |
8. Submit and Enter OTP
- Tap Continue
- Receive a 4-digit OTP on your registered number
- Enter OTP in-app
✅ If verification fails: Retry the process or wait for 10 minutes before resubmission.
What Happens After You Verify Your Account?
Once verification completes:
- Your account shows a Verified badge
- You unlock international transfers, bill payments, and local bank links
- You qualify for STC Pay offers (e.g. cashback promotions)
Verified accounts also comply with:
- SAMA guidelines
- Digital ID regulations (via Nafath)
Troubleshooting: Why Is STC Pay Verification Failing?
| Issue | Reason | Fix |
|---|---|---|
| Absher login fails | Incorrect credentials | Reset via Absher portal |
| OTP not received | SIM not under your ID | Update SIM registration |
| Face scan doesn’t work | Poor lighting / camera permissions | Retry in bright area, check settings |
| Employer/profession not found | Name not listed | Use manual entry or contact support |
| National Address rejected | Invalid or outdated data | Update address from National Portal |
STC Pay ID Verification FAQs
| Question | Answer |
|---|---|
| Is ID verification required? | Yes, by law and STC policy |
| How long does it take? | 5–10 minutes if all info is correct |
| What if Nafath fails? | Retry or re-login via Absher |
| Can I skip employer info? | No, it’s mandatory |
| Do I need a Saudi Iqama? | Yes, or valid GCC national ID |