> For the complete documentation index, see [llms.txt](https://bxpay.gitbook.io/bxpay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://bxpay.gitbook.io/bxpay/getting-started/the-user-journey.md).

# The User Journey

## 🛒 Purchasing Your BXPay Plan

BXPay is designed to be simple and clear: you purchase your BXPay plan, which includes your virtual or physical card, and then complete KYC verification through our regulated banking partner.

### To purchase your plan:

* Visit the BXPay platform
* Choose between a Virtual Card or Physical Card option
* Complete checkout and proceed with KYC verification through our regulated partner

> Note: Availability of physical cards may vary by region.

### 🔐 Completing KYC Verification

KYC processing is handled by our licensed banking partner.\
Times may vary depending on:

* Country requirements
* Regulatory reviews
* Additional verification steps (if needed)

> Important: Some applications may require additional checks based on compliance reviews.

### 💳 Activating Your Virtual Card

Once your KYC is approved, eligible users can activate their virtual card shortly after approval.\
Every BXPay plan includes a Virtual Card.

To activate your Virtual Card:

1. Log in to your BXPay dashboard
2. Go to Accounts → Apply for Virtual Account
3. Once the account is created, go to Cards → Virtual Card → Activate
4. Your Virtual Card will activate instantly and can be used online immediately

Note:

* Velar users → this is your main card
* Ascend, Legatus → this virtual card becomes active before your physical card is created and shipped

### 📦 Activating Your Physical Card

When your physical card arrives, activate it through your BXPay dashboard:

* Log in to BXPay
* Go to Cards → Activate
* Upload a selfie holding your government ID and the card you're activating
* Ensure ID details are clearly visible
* Enter your 16-digit card number and confirm activation

Activation time: 24–48 business hours\ <sup>(</sup><sup>*Weekend activations are processed next business day.*</sup><sup>)</sup>

### 📘 Important Transparency Note (required for compliance)

Banking services — including account creation and card issuance — are provided by our licensed banking partners.


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