> For the complete documentation index, see [llms.txt](https://help.basiq-solutions.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.basiq-solutions.com/guide/setup-steps/step-7-credentials.md).

# 7. Take over credentials

Move every account onto your own email, phone and 2FA within 3 weeks of delivery — in the right order.

{% hint style="info" %}
**You:** update credentials to your own within **3 weeks** of delivery. After 3 weeks you carry full responsibility for lost access, OTP delivery failures or restrictions caused by outdated details. Access data is not stored by Basiq beyond 2 months.
{% endhint %}

Use your company's dedicated number from [Step 2](/guide/setup-steps/step-2-phone-numbers.md) — one number for all services of the company, never your personal one.

## What to update and when

| Service        | What to update                                                                                         | When                        |
| -------------- | ------------------------------------------------------------------------------------------------------ | --------------------------- |
| **WorldFirst** | Phone number → yours; email → yours ([WorldFirst Guide](/guide/guides/banks/worldfirst.md))            | After delivery              |
| **Airwallex**  | Phone number → yours; 2FA → yours ([Airwallex Guide](/guide/guides/banks/airwallex.md))                | After delivery              |
| **Wise**       | 2FA phone → yours ([Wise Guide](/guide/guides/banks/wise.md))                                          | After delivery              |
| **Mercury**    | Phone number → yours; email → yours; 2FA → yours ([Mercury Guide](/guide/guides/banks/mercury.md))     | After delivery              |
| **Currenxie**  | Phone number → yours; email → yours; 2FA → yours ([Currenxie Guide](/guide/guides/banks/currenxie.md)) | After delivery              |
| **Stripe**     | Password, then 2FA — gradually, see below. Never the email                                             | After first payout received |
| **PayPal**     | Phone number                                                                                           | After first sale            |

## Stripe: special rules

{% hint style="danger" %}

* **Never change your Stripe email** — the account will be flagged permanently.
* Do not change the password or 2FA device immediately after receiving the account.
* Do not change your Stripe password within 2 weeks of changing 2FA.
  {% endhint %}

After selfie verification, change Stripe credentials gradually — never both on the same day:

{% stepper %}
{% step %}

#### Change the password

{% endstep %}

{% step %}

#### Wait 2–3 days, then change 2FA

Use your company's phone number.
{% endstep %}
{% endstepper %}

## Payouts

Set payouts to **Manual** from day one on all platforms **except Shopify Payments** — there, set payouts to **daily**. Payouts go to your business bank (WorldFirst / Airwallex / Wise / Mercury / Currenxie — see [Banks](/guide/guides/banks.md)) — never from the nominee account directly to your personal bank.

## Done when

* [ ] Bank accounts are on your phone / email / 2FA
* [ ] Stripe and PayPal changes are scheduled for after the first payout / first sale
* [ ] No two credentials were changed on the same day

{% content-ref url="/pages/wW88urlReZquiBMFDkkn" %}
[8. Warm-up](/guide/setup-steps/step-8-warm-up.md)
{% endcontent-ref %}


---

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