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Even today there is a boom in downloads for the IO app, which is still going on. The application of public services is one of the ways to participate in the Cashback program, the reimbursement system for expenses incurred, starting today, with credit cards, debit cards and applications. The figures are impressive: as reported by PagoPa, this morning alone, there have been around 400 thousand new Cashback subscriptions made through the IO app. “The total number of downloads of the IO application has exceeded 7 million, of which more than 200,000 in the first hours of today alone. Card loading requests in the “Portfolio” section doubled compared to yesterday morning, with peaks exceeding 12,000 operations per second. The strong flow began yesterday, when the doors were opened to the procedure that allows users to register the name of the payment instruments that they will use to make purchases. The rush to provide all the data to participate in the program that starts today has bogged down the system. In today’s press release, PagoPa reports that a new version of the application has been launched. The update will allow better performance.
Heavy traffic inefficiencies
This morning, anyone trying to enter payment methods in the “Wallet” section of the IO app will receive a response: “Please try again, payment methods could not be loaded.” However, it is a step further than last night when trying to open the application a white screen with the indication of “internal error” appeared. Some users manage to enter the card details but the last step gives a new block and you have to start from scratch. It was better in the middle of the night: someone in the early hours of the morning, when the traffic was less strong, managed to complete the process. Today you can start with Cashback.
The service is fully active even for those who had already signed up for the application in the days before the traffic boom and, therefore, can now make the expenses with the discount. These will be automatically recorded in the “Portfolio” section of the IO application that will show the total discounts already obtained.
IO for Beginners (as of Spid)
The IO app is very much cited in these hours but how does it work and, above all, how do you get there? You must first obtain the Spid, the digital identity (public digital identity system) which is a virtual identity card to “show” to the IO application in order to actually enter the application and have access to its services (alternatively you can use the cédula electronic identity).
How do you get this Spid digital identity? It must be said that it is used for many other operations related to public administration and therefore it is useful to obtain it independently of the Cashback program. Applying for it may seem cumbersome, but it’s not that difficult. The website www.spid.gov.it explains all the steps required to get there and lists all the providers that lead to the Spid. In short, it is necessary to register with an identity document, social security number, mobile number and email in one of the providers that manage the digital identity (from Poste to Aruba to Tim, to name a few names among which some give service. for a fee). Once registered, it is necessary to carry out a personal recognition as when requesting the issuance of a passport or identity card at the physical counter. This can happen through a webcam, but also in person at the suppliers’ offices, for example at the Poste Italiane offices. Of course, it is necessary to bring all the codes that will be issued during the online registration phase. At the end of all this way, we will have in hand a “username” to enter the application (the email we use to register) and a password (the code to enter that we will have chosen at the end of the procedure). At this point, Spid’s digital identity will be enabled. To use it, you will need the corresponding application along with the username and password. Once you have downloaded this application on your smartphone, you can enter IO.
How to get IO
Wanting to imagine the IO application outside the context of technology, we could think of it as a modern supermarket loyalty point card. In the particular case of State Cashback, it shows all the purchases made, with which payment cards they were made and the “discounts” they offered at all times.
How do you access this application? In these two days, the operation seems impossible. However, when it is fully operational, the road is not complicated. To access, you need the Spid key, the digital identity. In practice, once you open the IO application from your smartphone, it will ask us for user authentication, that is, to be recognized. This recognition, the first time, is done through Spid. You must first open your Spid application on your smartphone and enter the code that will be sent to us via text message.
IO has four sections internally: “messages”, “wallet”, “services”, “profile”. For Cashback it is necessary to use the «wallet» area, where to load the payment instruments and which one is out of control these days.
Then you must enter the Iban of the current account in which the bond will be credited. These data are entered through the “services” section where the “national” area is located. Scrolling through this “national” space, you will reach the Cashback section where you can enter your current account number and activate the service, thus starting the discounts.
The alternative
The Cashback initiative is also accessed through alternative routes. It is not essential to use the IO application. Banks and services like Satispay also allow access. In some cases, they also offer additional incentives. Banca Sella, for example, will allow its clients to access the Cashback program directly from their application. The bank also plans, as of January 2021, to participate in the quarterly draw for additional prizes reserved for customers who have signed up for the initiative. Nexi also, with Yap and Nexi Pay, allows you to participate in the initiative without registering. With Yap, in addition, up to 200 euros of additional benefits to those guaranteed by the Government are foreseen, while with Nexi Pay, purchases made through Google Pay, Apple Pay, Samsung Pay will be considered valid for immediate cashback purposes. PostePay has also opened the possibility of activating discounts directly through its applications.
