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.

Learn more about our founder and the Fire Management team.

If you have any other questions, comments or feedback we would be delighted to hear from you at any time! Reach out to us at info@fire.com.

A Fire business account is a digital account with free sign-up. The account is suitable for limited companies, unincorporated entities and sole traders. We offer a Euro and Sterling account as standard and a range of features and services – find out more about the account features here.

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. 

It is important that you check your suitability to our services prior to completing the online application process. As the account is digital there is no facility to lodge cash and cheques are not supported. Account users must have a mobile device they can use for authentication. 

If you’d like to have a discussion about the Fire business account and what we can do for you, we’d love to hear from you! Click here to get in touch.

On applying for a business account you will be required to submit information concerning your business, its directors and owners as well as verification documents.

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 identity and address validation documents.

Once you have filled out the application attaching the required documents, you can submit the application and it will be reviewed by our team. This review process is normally completed within a day or two. We will notify you that your account is open, or if we need to revert to you for additional information.  

Email us at any time at support@fire.com to check on the status of your application.

As an Electronic Money Institution in the UK and a Payment Institution in Ireland, we are required to “safeguard” customer funds.

We place your money in a designated safeguarding account with a regulated financial institution. This account holds only Fire customers’ funds and Fire ensures this money is never used for operational or lending purposes.

In the unlikely event that Fire ceases trading, the safeguarding account is protected from other creditors making a claim against Fire. In this scenario, you would get the majority of your money back, except for costs deducted by the insolvency practitioner for distributing the money to you.  This will only be deducted from customer balances if there are no funds available from Fire itself.

As the account you hold with us is not a bank account, your money is not covered by the Financial Services Compensation Scheme in the UK/Deposit Guarantee Scheme in Ireland.

You can read more here:

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.

No, a Fire account can’t be used for any crypto currency related activity. Funds received from a crypto currency activity destined for your account will be returned.

A Fire Account can receive SEPA (Euro) payments from a eurozone account or Faster Payment/Bacs (Sterling) from a UK-based account. It’s not possible to receive a payment via SWIFT. Any attempted SWIFT payment will fail and be returned.

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.

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.

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.

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.

You can send funds by bank transfer to 14 currencies from your Fire account. For payments to a Euro or Sterling account please see our Bank Transfers FAQ. International transfers can be made from your Fire account to the following countries and currencies:

  • Australia – Australian Dollar
  • Canada – Canadian Dollar
  • Czechia – Czech Koruna
  • Denmark – Danish Krone
  • Hong Kong – Hong Kong Dollar
  • Hungary – Hungarian Forint
  • Norway – Norwegian Krone
  • Poland – Polish Zloty
  • Romania – Romanian Leu
  • Singapore – Singapore Dollar
  • Sweden – Swedish Krona
  • United States – US Dollar

Please note that payments in these currencies must be made to an account held with a bank in the corresponding country.

The information required when setting up an International Payee will vary from currency to currency. When requesting payee details from the person or business you wish to pay, ensure that they provide you with their local account details and not SWIFT details. Please note for the majority of international currencies you will require the payees address.

Currency Required Payee Details
Australia – Australian Dollar ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         Payee Postcode

·         BSB Code

·         Account Number
Canada – Canadian Dollar ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         Payee Postcode

·         Bank Code

·         Branch Code

·         Account Number
Czechia – Czech Koruna ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         IBAN
Denmark – Danish Krone ·         Payee Name

·         Account Number

·         Bank Code
Hong Kong – Hong Kong Dollar ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         BIC

·         Account Number

·         Bank Code
Hungary – Hungarian Forint ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         IBAN
Norway – Norwegian Krone ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         Account Number

·         Bank Code
Poland – Polish Zloty ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         BIC

·         IBAN
Romania – Romanian Leu ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         IBAN
Singapore – Singapore Dollar ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         BIC

·         Account Number
Sweden – Swedish Krona ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         Bank Code

·         Account Number
United States – US Dollar ·         Payee Name

·         Payee Address

·         Payee City

·         Payee Country

·         Payee Postcode

·         ABA Code

·         Account Number

To add a payee, follow the instructions set out in the “Adding a New Payee” user guide

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

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 require 2FA (Two-Factor Authentication) 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.

Two-factor Authentication (2FA) is an extra level of verification required for certain activities on the Fire Business Account. Think of it as a second way to verify yourself.

Any time Fire ask for “Your Authentication Code / 2FA code”, this code will always be available in the same location – the ‘Security’ tab of the “firework for mobile” app (see below).

Simply input this six digit code into the “Your Authentication Code / 2FA” field and verification will be confirmed.

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.

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 ‘Reset 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 will be displayed. Approve this via the ‘firework for business’ mobile app to finish signing 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 will 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 will 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. Open the email and click the ‘Reset Password’ button.

  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).

An Administrator has full account access and user management access (add users and edit user roles).

A Full User also has full account access, but does not have user management access.

A Read Only User has access to review the account data.

A Card Only User can use their assigned card to create transactions and review transactions associated with their assigned card only.

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. As such we require account activity such as logging in or adding a new payee to be approved using the firework for business mobile application.

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 will now 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 will be displayed, informing that a request has been sent to your linked mobile device.

  1. Your mobile device will receive a push notification titled ‘Sign In Approval’, 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 will pop up.
  3. Approve the sign in request to log 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 will be displayed, informing that a request has been sent to your linked mobile device.

  1. Your mobile device will receive a push notification titled ‘Sign In Approval’, 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 will pop up.
  3. Approve the sign in request to log 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. As such we require account activity such as logging in or adding a new payee to 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 will instruct you to approve the payee via the ‘firework for business’ app.
  2. Your mobile device will receive a push notification titled ‘New Payee Approval’, 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 will 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 will instruct you to approve the payee via the ‘firework for business’ app.
  2. Your mobile device will receive a push notification titled ‘New Payee Approval’, 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 will 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.

An Internal Transfer is the movement of funds between two of your Fire accounts of the same currency.

This differs from an FX Transfer, which is the movement of funds between two of your Fire accounts of different currency.

To create an Internal Transfer using your Fire Business Account, follow the instructions listed below:
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Fire Accounts’ section.
  3. Choose the relevant account you wish to transfer the funds from. (For the purpose of this example, we want to transfer funds from one EUR[€] account to another EUR[€] account.)
  4. Click the ‘Actions’ button and select the ‘Internal Transfer’ option from the list.

  1. The ‘From Fire Account’ field will display the selected account from step 3. Choose the account you wish to transfer the funds to from the ‘To Fire Account’ list.
  2. Enter the amount you wish to transfer and an optional reference for your records.
  3. Click the ‘Next’ button.

  1. When you have reviewed the details, click the ‘Confirm’ button.
  2. Once the Internal Transfer has processed successfully, sending funds from one account to the other instantly, you can view the transfer in both of the relevant accounts.

A Bank Transfer is the movement of funds from your Fire account to an external account of the same currency.

This may be another Fire user’s account, or an account held with another bank/payment service provider. One pre-requisite is that the destination account must first be set up as a payee – more on that here.

To create a Bank Transfer using your Fire Business Account, follow the instructions listed below:
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Fire Accounts’ section.
  3. Choose the relevant account you wish to transfer the funds from. (For the purposes of this example, we want to create a bank transfer in EUR[€].)
  4. Click the ‘Actions’ button and select the ‘Bank Transfer’ option from the list.

  1. The ‘From Fire Account’ field will display the selected account from step 3. Choose the destination account you wish to transfer the funds to from the ‘To Payee Account’ list.
  2. Enter the amount you wish to transfer and an optional reference for your records. A reference can also be set for the destination account – this will display as the reference in the recipient’s account.
  3. Click the ‘Next’ button.

  1. When you have reviewed the details, enter your Access Code and click the ‘Confirm’ button.
  2. Once the Bank Transfer has processed successfully, you can view the outgoing transfer in the relevant account (in this case the EUR account).

To make an International Transfer you will first need to have set up an International Payee. See “Adding an International Payee?” for more information.

An International Transfer is the movement of funds from your Fire account to an external account in another currency. International Transfers are sent through local payment rails and must be sent to an account in the currency’s local country e.g. AUD payments must be made to an account in Australia, USD payments must be made to an account in the United States etc…

To create an International Transfer using your Fire Business Account, follow the instructions listed below:

  1. Sign in to your Fire Business Account.
  2. Click on the ‘Fire Accounts’ section.
  3. Choose the relevant account you wish to transfer the funds from.
  4. Click the ‘Actions’ button and select the ‘International Transfer’ option from the list.
  5. The ‘From Fire Account’ field will display the selected account from step 3. Choose the destination currency you wish to transfer the funds to from the ‘Currency’ list.
  6. Choose the destination account you wish to transfer the funds to from the ‘To Payee’ list. Note that only payees set up in the international currency will be visible in this list.
  7. Enter the amount you wish to transfer in the payee currency i.e. the amount the payee will receive in their local currency. A reference is optional for your account but must be set for the destination account – this will display as the reference in the recipient’s account. You must also choose a ‘Payment Reason’ that is most closely associated to the reason for the transfer to the payee. The available reasons are:
    • Invoice Payment
    • Salary/Dividend Payment
    • Expenses
    • Savings
    • Other
  8. Click the ‘Next’ button.
  9. When you have reviewed the details, enter your Access Code and click the ‘Confirm’ button.
  10. Once the International Transfer has processed successfully, you can view the outgoing transfer in the relevant account.

An FX Transfer is the movement of funds between two of your Fire accounts of different currency.

This differs from an Internal Transfer, which is the movement of funds between two of your Fire accounts of the same currency.

To create an FX Transfer using your Fire Business Account, follow the instructions listed below:
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Fire Accounts’ section.
  3. Choose the relevant account you wish to transfer the funds from. (For the purpose of this example, we want to convert EUR[€] to GBP[£].)
  4. Click the ‘Actions’ button and select the ‘FX Transfer’ option from the list.

  1. The ‘From Fire Account’ field will display the selected account from step 3. Choose the account you wish to transfer the funds to from the ‘To Fire Account’ list.
  2. Enter the amount you wish to transfer and an optional reference for your records.
  3. Click the ‘Next’ button.

  1. When you have reviewed the details, click the ‘Confirm’ button.
  2. Once the FX Trensfer has processed successfully, sending funds from one account to the other instantly, you can view the transfer in both of the relevant accounts.

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. Select the relevant information, enter a secure card pin and click the ‘Next’ button.
  2. Enter your access code and 2FA code (the 2FA code can be found in the ‘Security’ section of the ‘firework for mobile’ app –  see the image below) and click the ‘Add Fire Debit Card’ button.

  1. Once you receive your card in the post (usually within five business days), there are two methods of activating your debit card – either through the web portal or the mobile app. The next steps detail to the web flow, the mobile flow is contained within the ‘Activating your Fire Debit Card (Mobile App)’ guide.
  2. Return to the ‘Debit Cards’ tab of your Fire Business Account.
  3. Click on the debit card, then select the ‘Activate Card’ button from the ‘Actions’ drop-down menu. This 3-digit code can be retrieved from the back of your physical fire debit card. Click the ‘Activate’ button.

  1. Once the CVV code is entered, your debit card will be live and ready to use!

Your fire debit 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.

  1. Sign in to your ‘firework for business’ mobile app.
  2. Tap on the ‘Cards’ section in the navigation bar.
  3. In the ‘All’ tab, the card(s) requiring activation will show as ‘Ordered’. Select the debit card you wish to activate.

  1. Within the ‘Card Details’ section, tap the ‘Activate Card’ button displayed at the bottom of the page.

  1. An input box will then be displayed, requesting the CVV code. This 3-digit code can be retrieved from the back of your physical fire debit card.

  1. Once the CVV code is entered, your debit card will be live and ready to use!

As a business customer you may view your debit card’s pin at any time through the ‘firework for business’ mobile app.

Follow the guide below to utilise this feature:

  1. Sign in to your ‘firework for business’ mobile app.
  2. Tap on the ‘Cards’ section in the navigation bar.
  3. Within the ‘Active’ section, select the debit card you wish to retrieve the pin for (please note that only debit cards in ‘Live’ status will have the pin reminder functionality).

  1. Tap the ellipsis icon in the top right of the screen.

  1. This will display a slide-up window. Select the ‘Show Card Pin’ option from the list.

  1. A pop-up will appear with your 4-digit pin.

When your debit card is close to its expiry date (less than 30 days) you can reissue a new one at no additional cost through the ‘firework for business’ mobile app.

Follow the guide below to utilise this feature:

  1. Sign in to your ‘firework for business’ mobile app.
  2. Tap on the ‘Cards’ section in the navigation bar.
  3. Within the ‘Active’ section, the expiring card(s) will be denoted by a warning icon. Select the expiring debit card you wish to reissue.

  1. Tap the ellipsis icon in the top right of the screen.

  1. This will display a slide-up window. Select the ‘Reissue Expiring Card’ option from the list.
  2. Select the address which you would like to deliver the card to. Please note: if your address has changed, contact support@fire.com before reissuing your card.
  3. Tap the ‘Reissue Expiring Card’ button. That’s it – your card should arrive within five business days!

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 at the foot of the screen will show that the card has been blocked, as well as the ‘BLOCKED’ text displayed 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 will appear to inform 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 will appear to inform 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 will see the details of the Application Token ‘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.
  2. Select the relevant year, month and format, then click the ‘Download’ button.

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

An Account Confirmation Statement is a document often required by third parties such as an eCommerce marketplace. These can be downloaded as a PDF on a per-account basis from within your Fire account.

To download an Account Confirmation Statement from your Fire Business Account, follow the instructions listed below:
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Fire Accounts’ section.
  3. Choose the relevant account you wish to download the confirmation statement from. (For the purposes of this example, we will use a EUR account.)
  4. Click the ‘Actions’ button and select the ‘Download Account Confirmation’ option from the list.

  1. Clicking this button will automatically download a PDF file. This will be visible at the bottom of your tab, or within your ‘Downloads’ folder.
  2. This document contains information relating to the selected account held by your business.

Fire Open Payments is a new feature of the fire.com business account that leverages Open Banking capabilities to allow businesses to accept account-based payments in Euro and Sterling. You can read about it in more detail here.

There are three ways of creating a Fire Open Payment request:

  1. Using our API (see our Open Banking API Documentation). 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.
  2. Through ‘firework online’: See our ‘How-to’ guide below.
  3. Through the Fire Open Payment Terminal in the ‘firework for business’ mobile app: See our ‘How-to’ guide below.
Create a Fire Open Payment request through ‘firework online’
  1. Sign in to your Fire Business Account.
  2. Click on the ‘Payments’ tab.
  3. Click on the ‘Open Banking’ section.
  4. Click the ‘Create Payment Request’ button in the top right of the page.
  5. Select the account you wish to receive payment into.
  6. The amount can be set, or left blank if you want to allow the payer set the amount themselves.
  7. Enter a description – this is mandatory and will be displayed to the payer.
  8. If you wish you can enter a reference for your own records.
  9. If you only want the payment to be paid once, uncheck the ‘Can be paid more than once’ box.
  10. The ‘Select Information to Collect from the Payer’ and ‘Enter Additional Information to Store/Display’ dropdown sections relate to any information you may require the user to provide or any details you wish to set or display to the payer. These are all optional fields.

  1. Once you have set all the required information, click the ‘Create Request’ button and your Fire Open Payment Request will be created!
  2. You can copy/share the link or download the QR Code to display it anywhere you wish.

Create a Fire Open Payment request through the ‘firework for business’ app

The Fire Open Payment Terminal is a feature of the ‘firework for business’ app which allows users to quickly and easily create and share a payment request in-app. The amount must be set by the payee, and there is a limit of one payment per request. 

  1. Open the ‘firework for business’ app.
  2. From the app log in screen you can swipe left or right to access the Fire Open Payment Terminal. The Terminal can also be accessed when logged in to the app.
  3. Choose the relevant account and enter an amount.

  1. Tap the check mark to proceed and you will see the QR Code and ‘Share Request’ options. Choose whatever method is easiest for both parties; the QR Code can be scanned or the request shared via message, email, etc.

  1. Once the payer has opened the payment, the app will update to ‘Awaiting Authorisation’.

  1. Once they have authorised the payment and see the success page, the app will update to ‘Authorised’ status. To verify the payment, ensure the ‘Domestic Payment ID’ value the payer sees matches the in-app value.

  1. If the payer rejects the payment, or they take too long, the app will update to reflect this too. (Note: If the payer exceeds the time limit, they can still authorise the payment – check the Open Banking section of the app to verify the payment status in such a case).

This section relates to making an Open Banking payment. If you are looking for more information on Creating a Fire Open Payment, click here.

If you want to find out more about Open Banking through Fire Open Payments, click here.

There are two ways of making an Open Banking payment using your Fire Business Account – both of which utilise the ‘firework for business’ mobile app. Follow the relevant guide below based on whether you intend to use a mobile phone or laptop/PC:

Making an Open Banking payment using a mobile phone

  1. Given that you have initiated an Open Banking payment, you will be presented with a list of ASPSPs/Banks.
  2. From the list of options, tap ‘fire.com’.
  3. You may be presented with a few apps you can use depending on your device – select ‘firework for business’ and you will be redirected to the app.
  4. Once you have logged in, the payment information will be displayed in-app. When you have selected the correct account and reviewed the details, tap the ‘Approve’ button.

  1. You will then be redirected back to your browser to continue the Open Banking payment.

Making an Open Banking payment using a laptop/PC

  1. Given you have initiated an Open Banking payment, you will be presented with a list of ASPSPs/Banks.
  2. From the list of options, click ‘fire.com’.
  3. You will see the following page instructing you to scan the QR Code.

  1. Log in to the ‘firework for business’ mobile app. Tap on the ‘More’ tab – you will see an ‘Open Banking Scanner’ section.
  2. Tap the ‘Open Banking Scanner’ section and use the QR Code scanner to scan the QR Code displayed on your laptop screen.
  3. Alternatively, any QR Code scanner app can also be used, instead of the ‘firework for business’ app.
  4. When the QR Code is scanned, you will be redirected to the ‘firework for business’ app.
  5. Once you have logged in, the payment information will be displayed in-app; when you have selected the correct account and reviewed the details, tap the ‘Approve’ button.

  1. Check your laptop/PC browser – it should update, allowing you to continue the Open Banking payment process.
  1. Sign in to your Fire Business Account.
  2. Navigate to ‘Settings’.

  1. Click ‘User Management’.
  2. Select the user whose role you wish to change (for this example we will use Tester Two).

  1. Click ‘Actions’.

  1. Choose ‘Edit User Role’.

  1. From the dropdown select the user’s new role.
  2. Click ‘Confirm Role Change’.

  1. An approval request will be sent to the ‘firework for business’ app, instructing you to authorise the user role change (only the Administrator making the change will receive this request).
  2. Tap ‘Approve’.

  1. In your Business Web Account, refresh the ‘User Management’ section.
  2. The user’s role is updated.
  3. A notification is sent to any other Administrator’s on your account to inform them of the change.

© 2015 – 2021 Fire Financial Services Limited trading as fire.com and Fire.
Fire Financial Services Limited (fire-EU) is regulated by the Central Bank of Ireland, Reference No: C58301. Incorporated in Dublin, Ireland, Registration No: 464819.
Fire Financial Services Limited (fire-UK) is authorised as an Electronic Money Institution by the Financial Conduct Authority, Reference No: 900983. Incorporated in England & Wales, Registration No: 11549793.