# Sending registration codes to customers

How customers register for Carpay with or without SSN information, and how dealers send registration codes to help customers create their accounts.

February 3, 2026

## How customers register for Carpay

Carpay offers two ways for customers to register and create an online payment account.

## Option 1: Standard Registration

Most customers can register using:

- First name
- Last name
- Last 4 digits of their Social Security number (SSN)

This option allows customers to self-register without dealer assistance when SSN information is available.

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## Option 2: Registration Code (No SSN Required)

If a customer is **unable** to register using the last 4 digits of their SSN, Carpay provides a registration code option.

A registration code allows the customer to complete registration **without entering SSN information** and can be used anytime standard registration isn’t available or doesn’t work.

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## What is a registration code?

A **registration code** is a one-time code sent by Carpay that allows a customer to securely create their online account.

Once registered, customers can:

- Make payments online or in the Carpay mobile app
- View payment history and account details
- Enroll in autopay
- Receive payment reminders and notifications

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## When to Send a Registration Code

Send a registration code when:

- A customer cannot complete standard registration
- SSN registration is not available or does not work
- A customer requests help setting up their account
- You want to proactively assist a customer with registration

Registration codes can be sent by **text message or email**.

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## Sending a registration code from the dealer site

1. Log in to your **Carpay dealer site** from a web browser.
2. Search for the customer by name or account number.
3. Open the customer’s account profile.
4. Select **Send Registration Code**.
5. Choose **Text Message** or **Email**.
6. Confirm the customer’s contact information and send.

The customer will receive a one-time registration code using the selected delivery method.

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## What customers do with the registration code

After receiving the code, the customer should:

1. Visit Carpay via the [web browser](https://pay.carpay.com/) or via the Carpay mobile app.
2. Select **I have a registration code**.
3. Enter the **registration code** when prompted.
4. Follow the on-screen steps to create their login.

Once registration is complete, the customer will have full access to their Carpay account.

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## Tips & Common Questions

- If a customer says they can’t register using SSN, **send a registration code right away**.
- Always confirm the customer’s **phone number** or **email address** before sending the code.
- If a customer doesn’t receive the code, resend it or try the alternate delivery method.