Awful experience! Wanted to make a payment to a merchant that I have always made payment to. Only for Halifax fo block my card. Wanted ID and a photo. Gave passport and took a snapshot of me. It took over an hour waiting for verification. Completed verification and then went on to ask more security questions etc. I was so frustrated with the process. The CS person was nonchalant. Said "you can take your business someone else" when I politely said not happy with the quality of service. He appeared demotivated and didn't care. I will be opening another account but not with Halifax.