After you have completed your order online, you will receive an email with the access data for the banking portal (https://portal.xpay.cards). After successfully logging in, you will first be asked to enter your individual password in order to be able to use the banking portal in the future. You will then be automatically guided through the KYC process (see the "Know Your Customer" section) to officially confirm your identity. Once this step has been successfully completed, you will be able to use the banking portal, but you will still need to wait for your "LoversCard“ Debit Mastercard® to arrive and then activate it. The declaration required for this will be sent to you together with the card. Likewise, you will receive an open notification for card activation in the login area under the menu item "Notifications". It also describes where you can enter the alphanumeric code for card activation. Once you enter the code, your card will be activated for payments. Your account is already activated for top-ups/ money receipts after successful identification.