Business Account Frequently Asked Questions

Below are common customer queries in relation to fire.com and our applications.

Should you require in-depth ‘how-to’ guides, go to our ‘Business Account User Guides’ section below the ‘FAQs’.

Fire and fire.com are trading names for Fire Financial Services Limited. Fire Financial Services (fire-EU) is regulated by the Central Bank of Ireland as a Payment Institution and as such it is authorised to provide specific payments accounts and services. Fire Financial Services (fire-UK) is authorised as an Electronic Money Institution by the Financial Conduct Authority. We are not a bank and we do not provide credit (loans) or overdrafts. Nor do we pay any interest on funds that may be held in a Fire account.

All client funds (i.e. your money) are held in separate, ring fenced accounts in tier one financial institutions. Client funds are never mixed with our own funds, never invested nor used for any operational purpose. No liquidator, receiver, administrator, examiner or creditor of a Payment Institution or Electronic Money Institution, nor the official assignee in bankruptcy has any recourse or right against client funds held in accordance with the above.

As the fire-EU payments licence is an EU based regulation, Fire has passported its licence to other European countries to offer our services across Europe.

Details of our founder and board of directors are available in the ‘About Us‘ section of the web site. If you have any other questions, comments or feedback we would be delighted to hear from you at any time – info@fire.com.

A Fire business account is a digital account. It is used primarily to execute bank transfers, debit card purchases and payments to/from personal Fire users. There is no facility to lodge cash and cheques are not supported. The account is suitable for limited companies, unincorporated entities and sole traders.

Registration is open to businesses incorporated in the United Kingdom or Ireland with directors/owners resident and/or citizens of the EU (and other countries available on request). In addition applications are accepted from sole traders based in the United Kingdom or Ireland. You can contact us to discuss your situation at support@fire.com.

It is important that you check your suitability to our services prior to completing the online application process.

The Fire account is available as an online web based application. In order to commence the process of opening a Fire account, businesses should register their interest for a business account on our website at: https://www.fire.com/register-now/

When registering, you will be asked to confirm the following:

  • The business is incorporated in UK/Ireland,
  • The residency of beneficial owners/directors; and
  • That you do not require cash or cheque processing or the ability, or make direct debit payments in euro (as we do not currently support these features).

On approval, businesses may proceed to our Business Account Application. You will be required to submit information concerning your business, its directors and owners.

For the business we will require:

  • A Certificate of Incorporation; and
  • The Memorandum and Articles of Association (UK), or Constitution (Ireland).

For each individual we will require both identity and address validation documents.

Once you have completed the online application and uploaded all the relevant documents, your application may be submitted for review by our team. This review process is normally completed within a day or two, but may take longer. We may revert to you for additional information.

You will not have access to the account or any payment services until we have fully verified all the information submitted to us. Once the account is ready, we will notify you. Email us at any time at support@fire.com to check on the status of your application.

In order to reset your password, you must verify both of your email address and mobile number.

  1. Firstly, you must fill out the ‘Authorised User’ section, which provides us with your mobile number.
  2. Then, you must have verified your email address – through a link sent to your email.
  3. Finally, you must have verified your mobile number – through an SMS verification code sent to your mobile number.

  • If you have not reached this stage of your application, but you have forgotten your password, then please contact support@fire.com so we can create a new Business Account Application for you.

Your Fire Business ID is a very important credential used every time you or any Fire business user logs into ‘firework online’. Please ensure to use something memorable.

Upon your account being set live, we send an email in which there is a reminder of your Fire Business ID provided.

  • Letters, numbers and dots are accepted characters when setting your Fire Business ID.
  • The Business ID is for your use only, it will not be visible to customers.

This relates to whether your business trades outside of Europe, not whether your company has a physical office outside of Europe.

Photo ID must:

  • Display your name,
  • Display a clear photo,
  • The document must be in colour (photo itself can be black and white),
  • Display your date of birth,
  • Be active and in date (not expired).

Examples of a valid Photo ID are:

  • Passport,
  • Driver’s Licence,
  • National ID Card.

Address Verification must:

  • Be dated within the last 6 months,
  • Be addressed to you,
  • Not be a National ID card or Driving Licence.

Examples of a valid Address Verification Document are:

  • Fixed Utility Bill,
  • Bank Statement,
  • Government Issued Document.

As a Fire business user you can add multiple sterling and euro Fire accounts. A Fire Sterling account (GBP) has a sort code & account number and a Euro account (EUR) has an IBAN associated with it. Anyone (e.g. a customer) who wishes to pay you by bank transfer may use these account numbers to transfer funds from any bank account in the UK or Eurozone. A bank transfer usually takes between a few hours and a day to reach its destination.

Sterling bank transfers are processed via Faster Payments and BACS, while Euro bank transfers are sent via the SEPA Credit Transfer (SCT) scheme.

To transfer funds out of your Fire account (e.g. paying staff or suppliers) via a bank transfer, you must first create a payee in the ‘Payees’ section of the ‘Payments’ tab section of ‘firework online’ and enter their bank account details. You then select the ‘Bank Transfer’ option via the relevant account in the ‘Fire Accounts’ tab to execute an external bank transfer from your Fire account.

You can use your sterling account to pay by Direct Debit on all your fire.com GBP accounts. We are working on enabling Direct Debits for EUR accounts and will inform all customers when they are available.

Euro Bank transfers out are processed each business day at 9:15am and 1:30pm. Sterling bank transfers out are processed at 9:15am and 4:30pm on business days.

Internal transfers between same currency Fire accounts are completed instantly. Internal transfers/FX transfers to another currency account (e.g. transferring from a Fire euro account to a Fire sterling account) are also instant.

Should you wish to receive international payments via SWIFT please contact the support team – .

Lodgements and withdrawals to and from external banks are subject to the standard bank transfer timelines.

Generally, Fire will receive the transfer from external banks within one working day, as long as the request was processed by the bank before 4:30pm. If the transfer was carried out near or after 4.30pm, the transfer could take two days in some cases. No transfers are received, or therefore applied, at weekends, or outside business hours.

We have OFX formatted statements that are compatible with Xero, Sage One, QuickBooks, FreeAgent, Zoho Books etc.

You can download these by following these guidelines:

  1. Sign in to your Fire Business Account.

  1. In the ‘Fire Accounts’ section, click on the relevant account, then the ‘Actions’ button.
  2. A drop-down menu will be displayed; select the ‘Download Statement’ option from the list.

  1. Select the relevant year, month and select the relevant OFX format, then click the ‘Download’ button.

To access your Fire business account you will need your business ID, email and password. Within the application you will be asked for your access code for certain types of transactions and activities. In addition you must have the ‘firework for business’ mobile application paired with ‘firework online’. We invoke the need for 2FA for specific transaction types and events.

The application uses security technologies to ensure the privacy of data and the authentication of users. If at any time you have concerns over your account, you must contact us.

Should you misplace one of your debit cards, there is an option within the application to block the card. It is important that you block any cards that are lost. If you cannot find your card, contact support@fire.com and we will cancel it, allowing you to order a replacement.

Should you change/lose your phone, you can unlink your device from your business account via ‘firework online’, so should anyone open the ‘firework for business’ app, they will see a blank screen.

Dual Authorisation is a security feature that allows fire.com business API customers to set up two or more different users to authorise API payments. This is an added security measure that removes the risk of an individual authorising inappropriate or incorrect payments, while making it harder for fraudsters to compromise your business activities.

When a payment is created via the business API, any number of registered users can be set up to authorise the payment(s). The authorisers will receive push notifications to their mobile devices and will be required to authorise the payment in-app. API payment requests without authorisation from the required number of users will be rejected and discarded.

Protecting your personal data is very important to us. We take appropriate measures to ensure confidentiality of all personal data, both paper and electronic, required for the operation of our business. We take appropriate steps to protect data stored or transmitted against accidental or unlawful destruction, accidental loss or alteration, and unauthorised or unlawful storage, processing, access or disclosure.

We are committed to and comply with all relevant Data Protection and Privacy legislation and/or regulations of the jurisdictions within which we operate. We will ensure that your personal data can be used only by authorised personnel for legally authorised purposes. We will only use personal data in our possession for its intended specific and authorised purpose.

Your personal data may be transferred to contracted third parties, e.g. banks and other firms external to us for the purposes of providing our services to you. In these circumstances Fire will oblige contracted third parties to ensure that your personal data is securely managed and protected at all times. These third parties will only process and use your personal data in line with fire.com specific instructions.

We or our contracted third parties may share your personal information with authorities within Ireland, the United Kingdom and abroad to prevent money laundering, terrorism and fraud in order to meet legal obligations.

Your personal data will be retained and maintained in accordance with applicable Data Protection and Privacy laws and regulations which oblige Fire to hold its customer data for up to six years after the last transaction or end of business relationship whichever comes first.

You can create Fire Open Payment Requests in both EUR and GBP.

Your default account is based on your business’s country of incorporation.

If your business is incorporated in Ireland, your default account is your Euro Account.

If your business is incorporated in The United Kingdom, your default account is your Sterling Account.

This message means you are entering an incorrect username, email and/or password.

If you have forgotten your password only, and not your access code, follow the guide below.

  1. Sign in to your Fire Business Account.
  2. Click on the ‘Rest Password’ text at the bottom of the screen.

  1. Enter your Business ID and Email and click the ‘Send Validation Email’.

  1. A validation email will be sent to your email. Open the email and click the “here” text.
  2. Enter the SMS verification code sent to your phone number, the new password, and the relevant digits associated with your account.
  3. Click the ‘Reset Password’ button.
  4. Enter your sign in credentials and new password on the log in screen. Click the ‘Sign In’ button.

  1. The sign in request screen should be seen. Approve this via the ‘firework for business’ mobile app and you will be signed in.

If you have forgotten your access code only, and not your password, follow the guide below.

  1. Sign in to your Fire Business Account.

  1. Approve the sign in request using the “firework for business” mobile app.
  2. Navigate to the ‘Settings’ tab, where you should see the ‘Access Code’ field in the ‘User Profile’ section.

  1. Click on the ‘Change’ button.
  2. Follow the on-screen instructions to successfully change your access code.
  1. You can still enter your sign in credentials for your Fire Business Account.

  1. The sign in request will be visible; click the “link a different device to your account” text.

  1. You will be brought back to the sign in screen. Re-enter your sign in credentials and click ‘Sign In’.

  1. In the ‘User Profile’ tab, you should see the ‘Access Code’ field in the ‘User Profile’ section.

  1. Click the ‘Change’ button.
  2. Follow the on-screen instructions in firework online to successfully change your access code.

If you have forgotten both your access code and password, please contact us at support@fire.com to allow us to reset your details.

  1. Once confirmation has been received from our Operations Team, you will receive an email titled “Fire for Business – Forgotten Password”.
  2. Click the ‘Reset Password’ button within the email.

  1. Enter the SMS Code sent to your phone number.
  2. Choose your new password and enter it into the ‘New Password’ fields.
  3. Once you have submitted this information, a new email titled “Fire for Business – Reset your Access Code” will be sent to your email address.
  4. Follow the steps outlined in the email to reset your access code. You can see these steps in detail here (link to the ‘Forgotten Access Code’ section).

Business Account User Guides


This section provides step-by-step “how to” guides to our Business Web and Mobile applications.

In cases, walkthroughs are provided for both Android and iOS devices, just follow the guide for your device.

Under The Regulatory Technical Standards on Strong Customer Authentication and Common and Secure Open Standards of Communication, Strong Customer Authentication (SCA) must be used when accessing payment accounts online. Therefore, when undertaking account activity – logging in or adding a new payee, a request must be approved using our “firework for business” mobile companion app.

To link firework for business to your Fire Business Account, follow the instructions listed below:

  1. Search “firework for business” & download it from the App Store/Google Play Store.
  2. Sign in to your Fire Business Account.
  3. You will be brought to the ‘Settings’ screen and see a QR Code.
  4. Open the firework for business app and use the in-app scanner to scan the QR Code.

  1. Enter the access code associated with your account.
  2. Enter the SMS verification code sent to your phone number.
  3. Your phone should be linked to ‘firework online’ and you will have full access to your account.

If you have already linked ‘firework for business’ to your business account, follow the guide below.

Android
  1. Sign in to your Fire Business Account.
  2. Enter your sign in information and click the ‘Sign In’ button.

  1. The sign in request screen should be seen, informing that a request has been sent to your linked mobile device.

  1. A push notification titled ‘Sign In Approval’ should be received on your mobile device, provided you have enabled notifications for the app. Tap on this notification, bringing you to the app log in.
  2. Authenticate yourself using your access code/fingerprint, and the sign in request should pop up.
  3. Approve the sign in request and you should be logged in to your Business Web Account.

  1. Alternatively, if you have disabled notifications, you can view the sign in approval in the ‘Request’ section of the ‘Security’ tab of the mobile app.


iOS
  1. Sign in to your Fire Business Account.
  2. Enter your sign in information and click the ‘Sign In’ button.

  1. The sign in request screen should be seen, informing that a request has been sent to your linked mobile device.

  1. A push notification titled ‘Sign In Approval’ should be received on your mobile device, provided you have enabled notifications for the app. Tap on this notification, bringing you to the app log in.
  2. Authenticate yourself using your access code/fingerprint, and the sign in request should pop up.
  3. Approve the sign in request and you should be logged in to your Business Web Account.

  1. Alternatively, if you have disabled notifications, you can view the sign in approval in the ‘Requests’ section of the ‘Security’ tab of the mobile app.

Under The Regulatory Technical Standards on Strong Customer Authentication and Common and Secure Open Standards of Communication, Strong Customer Authentication (SCA) must be used when accessing payment accounts online. Therefore, when undertaking account activity – logging in or adding a new payee, a request must be approved using the firework for business mobile application.

To add a new payee using your Fire Business Account, follow the instructions listed below.

Android
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Payments’ section.
  3. Click on ‘Payees’ subsection, then the ‘Actions’ button.

  1. Enter the payee’s details and click the ‘Add Payee’ button.

  1. An Approval Request should be seen instructing you to approve the payee via the ‘firework for business’ app.
  2. A push notification titled ‘New Payee Approval’ should be received on your mobile device, provided you have enabled notifications for the app. Tap on this notification, bringing you to the app log in.
  3. Approve the new payee request and the payee should be added to the ‘Payees’ section of your Business Web Account.

  1. Alternatively, if you have disabled notifications, you can view the sign in approval in the ‘Requests’ section of the ‘Security’ tab of the mobile app.


iOS
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Payments’ section.
  3. Click on ‘Payees’ subsection, then the ‘Actions’ button.

  1. Enter the payee’s details and click the ‘Add Payee’ button.

  1. An Approval Request should be seen instructing you to approve the payee via the ‘firework for business’ app.
  2. A push notification titled ‘New Payee Approval’ should be received on your mobile device, provided you have enabled notifications for the app. Tap on this notification, bringing you to the app log in.
  3. Approve the new payee request and the payee should be added to the ‘Payees’ section of your Business Web Account.

  1. Alternatively, if you have disabled notifications, you can view the sign in approval in the ‘Requests’ section of the ‘Security’ tab of the mobile app.

As a business customer you may order debit cards at any time using ‘firework online’. When ordering a card you will need to confirm the business user who will use the card and the sterling and euro account to which the card is to be linked.

Your card will usually arrive in five business days. Fire debit cards may be used anywhere you see the MasterCard® logo – in store, online, for recurring bills and at ATMs for cash withdrawals. When your card arrives, activate the card by following the instructions below.

Your Fire debit card is linked to both a specific sterling and a specific euro account. So if you are purchasing in sterling or euro you must have funds in the respective account. Purchases in any other currencies (e.g. US Dollars) are converted and applied to your default account (euro for businesses incorporated in Ireland and sterling for businesses incorporated in the UK).

  1. Sign in to your Fire Business Account.
  2. Go to the ‘Debit Cards’ tab and click on the ‘Add Fire Debit Card’ button.

  1. The ‘Add New Fire Debit Card’ screen should pop up. Select the relevant information from the fields, enter a secure card pin and click the ‘Next’ button.
  2. Enter your access code and 2FA code and click the ‘Add Fire Debit Card’ button.
  3. Once you receive your card in the post (usually within five business days), return to the ‘Debit Cards’ tab of your Fire Business Account.
  4. Click on the debit card, then select the ‘Activate Card’ button from the ‘Actions’ drop-down menu. Enter the CVV from the back of your card and click the ‘Activate’ button.

  1. Once you confirm the CVV, your card will be ready to use!

If you happen to lose your Fire debit card, contact us at support@fire.com to allow us to cancel your card.

In the meantime, to ensure no one is using your lost card, you can block your card using your Fire Business Account, or through the ‘firework for business’ mobile app.

Block Card through your Fire Business Account
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Debit Cards’ section.
  3. Click on the relevant card you wish to block.
  4. Click on the ‘Actions’ button and select the ‘Block Card’ option.

  1. A green banner should be seen at the foot of the screen informing that the card has been blocked, and the ‘BLOCKED’ text should be seen beside the card number.

Android
  1. Sign in to your “firework for business” account using your access code/fingerprint.
  2. Tap on the ‘Cards’ section and select the relevant card you wish to block.

  1. Tap the ‘Block Card’ button.

  1. A red banner should be seen informing you that “This Card is Blocked”.


iOS

  1. Sign in to your “firework for business” account using your access code/fingerprint.
  2. Tap on the ‘Cards’ section and select the relevant card you wish to block.

  1. Tap the ‘Block Card’ button.

  1. A red banner should be seen informing you that “This Card is Blocked”.

Should you change your mobile phone, follow this guide on how to unlink your old device and link your new phone to ‘firework online’.

  1. Sign in to your Fire Business Account.
  2. Enter your sign in information and click the ‘Sign In’ button.

  1. You will see the sign in approval screen and the device linked to your account. Click the blue “link a different device to your account” text.

  1. You will then be brought back to the sign in screen. Enter your sign in information again and click ‘Sign In’.

  1. You will then be brought to the ‘Settings’ screen, where you can link your new mobile phone. Scan the QR Code using the ‘firework for business’ mobile app and link the mobile app to your Business Web Account.

Once you have opened a Fire account, you may access the ‘API’ section (Settings tab) of ‘firework online’ and set up the tokens necessary to integrate your own applications to both retrieve information pertaining to your accounts and create batches, new accounts or new payees. Your applications may read data in your Fire accounts and the token you create may be permission based.

Within this section you may also configure webhooks – you can enter the URLs to which we will send data as certain events occur. This is a very useful way to manage lodgements and update your own applications.

To create an API Application, follow these guidelines:

  1. Sign in to your Fire Business Account.

  1. Click on the ‘Settings’ tab.
  2. Click on the ‘API’ section.
  3. Here you will see ‘Webhooks’ and ‘Application Tokens’
  4. In the ‘Application Tokens’ subsection, click the ‘Add New Application’ button.

  1. Name your application and select only the permissions this application will require from the list.
  2. Enter your Access Code and click ‘Create’
  3. You should see the applications ‘Client ID’, ‘Client Key’ and ‘Refresh Token’. Use these to create an Access Token.
  4. Once you have created an Access Token, you can use the API in tandem with our API Documentation to retrieve and create.

You may have other business users who wish to use fire.com to create, view or in card-only capacity. Follow the guide below to add these users to your Fire business account with the associated permissions they need.

  1. Sign in to your Fire Business Account.
  2. Click on the ‘Settings’ tab.
  3. Click on the ‘User Management’ subsection.
  4. Click on the ‘Add New User’ button the top right of the screen.

  1. Enter the user’s information and select their role. If you have any questions about what each role entails, hover over the ‘?’ beside the ‘New User’s Role’ text.

  1. Click the ‘Add’ button.
  2. The new user will receive an invitation email. When they submit their information and documentation, and we verify it, they will become a full business user with the assigned role-based permissions.

Account statements are available through your Fire Business Account.

  1. Sign in to your Fire Business Account.
  2. In the ‘Fire Accounts’ section, click on the relevant account, then the ‘Actions’ button.
  3. A drop-down menu will be displayed; select the ‘Download Statement’ option from the list.

  1. In the ‘Fire Accounts’ section, click on the relevant account, then the ‘Actions’ button. Select the relevant year, month and format, then click the ‘Download’ button.
  2. Select the relevant year, month and format, then click the ‘Download’ button.

  1. Your statement will be downloaded in the selected format.

On firework online:
1. Login to https://business.fire.com/
2. Go to Payments then Open Banking
3. Click Create Fire Open Payment
4. Select the account you want to receive the funds into and an amount
5. Enter the Description for payer and Description for you
6. Specify if you would like the payment request to be paid once or multiple times
7. Click on Create Request
8. Use the web link generated or QR code to invite payers to pay into your account using Fire Open Payments

On the firework app:
It is not yet possible to create Fire Open Payment requests in the firework mobile app. We will update all fire.com customers as soon as it is to be made available.

If you would like to integrate Fire Open Payments with your existing system using the fire.com API, please get in touch with the team.