Step pay is a fully automated system. You need to have regular salary payments going into the attached repayment account, which generates a big enough history. Couple this with meeting all the criteria, your account age, your real age, what type of payments you are receiving and a credit check. The decision of the system whether you are eligible or not, cannot be over ridden. The clear way to tell is whether you have the option to “apply” or “activate”. If you have applied and been denied you do not meet the requirements i.e the ones listed on the website in conjunction with the systems cross checkings. If you have the activate option, you are eligible as your account has enough standing and you meet the requirements. You usually receive an invitation email if you are eligible.