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QuickPay - Identity Verification Failed

H.Richburg

Has anyone received a resolution from Quicken on the above error trying to setup QuickPay. Or; has anyone found a work around.

I spent about an hour with Quicken Support (who was working with second level Suppport) yesterday with no success. It was 07/2025 all over again. Originally, all my personal information was correct when I received this error. Without any warning, it only gave me 2 attempts to verify my ID before getting the error. The problem is that it prohibits you from using Bill Manager's Quick Pay function and Quicken claims there is nothing they can do. At the time around this issue raised it's ugly face (mid 2025) there were quite a number of people who experienced the same issue. I think a number of people just moved from Quick to another product even if they ended up doing it manually.

I was hoping someone found a work around by now.

Thanks in advance

— HJR

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Comments

Sceptic

@H.Richburg unfortunately, there doesn't seem workaround for this issue.

Based on the information Quicken has published, the error occurs when the identity verification process used by Quicken Bill Manager is unable to verify the customer. Quicken's documentation states that when identity verification fails, certain money movement services, including Quick Pay, cannot be used and that, for security reasons, Quicken Support is unable to override or manually resolve the verification result.

Given that you've already worked with both Support and Level 2 Support without success, it does not sound like there is anything further that can be done within Quicken itself. Unless another user has found a solution, the practical alternatives may be to continue making payments outside of Quick Pay or use Check Pay if it remains available to you.

Hopefully someone who experienced the same verification failure can share whether they were eventually able to regain access and, if so, what changed.

cleroks

It happened to me last year. I was told they were working on a work-around to allow you to re-drive the process again, but I've never heard back that it was ready. I have since moved on to my credit union's Bill Pay service as basic as it is.

Quicken Carlos

Hi @H.Richburg and @cleroks,

I suggest reviewing our support article, Bill Pay Message: Identity Verification Failed, for more information about this error.

As @Sceptic mentioned above, if Quicken is unable to verify your identity, you won't be able to use certain features involving money movement services. For security reasons, Quicken cannot assist with the identity verification process once this message appears.

As an alternative, you may want to consider making payments directly through your billers' websites.

Quicken is required to collect specific customer information to comply with government regulations and verify the identities of customers using Quicken Bill Manager. This helps protect your accounts and maintain the security of Quicken's money movement services. Any information you provide is securely encrypted and is never shared or sold.

I hope this helps clarify the situation and provides some alternative options to consider.

cleroks

I understand the security reasons that make ID verification a requirement. The issue is I was happily using Quicken Bill Pay until I ran into the ID verification failed issue when you changed your Bill Pay system. Not fully understanding why I can be verified to use Bill Pay at all my financial institutions, but not Quicken. It's okay though - I downgraded to Deluxe and am happily using the other Quicken features. Still a great product - I just can't use one feature.

H.Richburg

Interesting though I actually contacted "ACH Network Rules & Enforcement" when this first occurred and here was their response:

"Hi Howard,

I’m sorry to hear you are having difﬁculties setting up ACH as a payment method. I’m afraid that this is an issue with Quicken and their account validation process. Certain types of payments require companies to validate an account is open and can accept ACH payments prior to the ﬁrst use of the account number, but we don’t dictate the process or method to do this. Some validation methods can be done over the ACH network, and others use non-ACH methods to validate accounts. I don’t know what account validation process Quicken uses or the message that it got back regarding your account, but they should be able to research the issue and allow remedy so that ACH payments can ﬂow once the issue is corrected. For them to say that it’s a one and done, and a fail means you will never be able to use ACH seems a bit draconian. Remedy depends on what the problem with the account is, if any.

I’d suggest reaching back out to Quicken for additional discussion and details. At the same time, I’d also suggest verifying with your own bank that your account information provided to Quicken is correct and accurate for ACH payments processing. If it is, there must be a disconnect somewhere.

I’m happy to chat if you’d like. We do not process any ACH payments and aren’t able to assist directly with this type of issue since we are not a party to the transaction, but I can answer any questions you may have about the ACH network and ACH payments. Regards,

Cari

Cari Conahan, AAP Associate Managing Director, ACH Network Rules & Enforcement Nacha"

I'm curious do any of you have a middle initial or name on your bank account or driver's license?

It's interesting that she calls Quicken's a bit draconian. I just purchase a new license for Quicken and keeping in mind what she said "suggest verifying with your own bank that your account information provided to Quicken is correct and accurate for ACH payments processing". My bank account has my middle initial and when I contact Quicken this go around they asked about my driver's license. I told them that has my actual middle name and in both cases their form for Verification ID does not provide for a middle name or initial. They thought that was the issue so they escalated it again. In any case this go around I'm getting a message that states something like MY request cannot be processed at this time. Wait a few moments and try again. I waited a day with no change so I made sure that was added to the escalation.

If they don't resolve this within 30 days so I can get a full refund, I'll make that request.

I'll let everyone know if I have any success this go around.