In some countries, senders are asked to provide a Test Question and its answer when they initiate the transfer. In cases where a Test Question was provided by the sender, a receiver in New Zealand may be required to give the answer while picking up the funds.

The Test Question feature is designed for emergency situations where the receiver still needs to provide proper identification. It should never be used as additional security or to delay payment. In some cases, we’ll pay the receiver whenever the receiver shows proper identification, even if he or she does not know the answer to the question.