Verify individuals

When onboarding our merchants, we conduct Know Your Customer (KYC) checks. These checks identify and verify individuals who own and are responsible for running a business. We do these checks to comply with regulations, mitigate risk and fraud, and prevent illicit activities.

Depending on your location, individuals we may ask to undergo KYC checks may include:

Ultimate beneficial owners (UBOs) – Individuals who own 25% or more of the company, either directly or through ownership of multiple holding companies
Control persons/Designated UBOs – Individuals who manage the company with significant decision-making power but are not UBOs – for example, CEO, CFO, COO, VP
Directors
Authorised signatories
Legal representatives

The information we collect varies depending on the location or legal structure of your business. Preparing this information in advance of your application process can help get you processing payments faster.

Use the following guides to find out more about the requirements that may apply to your case.

Individual information requirements per region
ID document requirements and guidelines
Proof of Address requirements and guidelines

Individual information requirements per region

Depending on your company’s legal structure and the country it is based in, we may ask for some or all of the following stakeholders and relevant information to be verified.

We may also be able to automatically source some of this information depending on your location, in which case we will only require you to verify that it is correct and up to date.

Region	Stakeholders verified	Required information
United Kingdom (UK)	UBOs Control person Director Authorised signatory	ID documents Full name Date of birth Home address Power of attorney* Ownership percentage (for all UBOs that own >25% of a company)
European Economic Area (EEA)	UBOs Designated UBOs Authorised signatory Legal representatives	ID documents Full name Date of birth Place of birth Nationality Home address Power of attorney* Ownership percentage (for all UBOs that own >25% of a company)
United States (US)	UBOs Control person Authorised signatory	ID documents Full name Date of birth Home address SSN/TIN Email address Ownership percentage (for all UBOs that own >25% of a company)
Australia New Zealand Hong Kong	UBOs Control person Authorised signatory	ID documents Full name Date of birth Home address Nationality Proof of address Power of attorney* Ownership percentage (for all UBOs that own >25% of a company)
Singapore	UBOs Control person Directors Authorised signatory	ID documents Full name Date of birth Home address Nationality Proof of address Email address Power of attorney* Ownership percentage (for all UBOs that own >25% of a company)
Middle East and North Africa	UBOs Control person Authorised signatory	ID documents Full name Date of birth Home address Nationality Power of attorney* Ownership percentage (for all UBOs that own >25% of a company)

* For the authorised signatory of your company if they are not a director (UK) or legal representative (EEA).

ID document requirements and guidelines

It is essential that all uploaded documents follow the below standards. If a document does not meet our guidelines, we request another copy resulting in delays to the verification process.

Region	Accepted ID documents
UK & EEA	UK, EEA, and non-EEA passport: All four corners visible Color copy of national identity card Both sides required Full UK Driving License: Front side only
US	We only require ID documents when: The person is not a US resident. We cannot automatically verify a person’s ID by using the provided information.
Australia	Color copy of a valid passport All four corners visible Driving license Both sides
New Zealand	Color copy of a valid passport All four corners visible Color copy of a national identity card issued by a foreign government, the United Nations, or one of its agencies Copy of a New Zealand driver license and one of the following: A bank statement* issued by a registered bank A statement issued in the past 12 months by a government agency – for example, Inland Revenue Department
Singapore	Color copy of valid passport All four corners visible Color copy of national identity card
Hong Kong	Color copy of valid passport All four corners visible Color copy of Hong Kong national identity card Color copy of Chinese national identity card Both sides
Middle East, North Africa, and Pakistan	United Arab Emirates Color copy of valid passport All four corners visible If a passport is not available: Emirates ID (EID) Kingdom of Saudi Arabia Color copy of a valid passport All four corners visible If a passport is not available: Iqama – Residence permit, both sides Pakistan Color copy of a valid passport All four corners visible If a passport is not available: Computerized national identity card (CNIC), including both sides Other countries Color copy of a valid passport All four corners visible

ID document standards

Cannot be a photo of a photo – for example, a photo of a document on a computer screen
Must be clear and large enough to read – fuzzy documents are not accepted
Must be in color – no black-and-white scans
All four corners visible
Must not be expired
Must not be forged

We do not accept the following:

Estonian e-residency cards
Provisional driving licenses

If a person has changed their name, an official certificate confirming this (for example, a marriage certificate) is required.

Proof of address requirements and guidelines

It is essential that all uploaded documents follow the below standards. If a document does not meet our guidelines, another copy will be requested resulting in delays to the verification process.

Region	Accepted proof of address documents	Validity period
UK & EEA	Utility bill – for example, gas, electricity, water, fixed telephone line Bank or credit card statement displaying name and residential address Social security, pension, or benefits letters from a government authority Local authority tax bill HM Revenue & Customs tax document – for example, tax assessment, statement of account, notice of coding (UK only)	Within the last three months
Australia, New Zealand, Singapore, and Hong Kong	Utility bill – for example, gas, electricity, water, signed tenancy agreement Bank statement displaying name and residential address Proof of tax registration/tax payment Employment contract or payslip of an employee (not a CEO/Director)	Within the last three months

Individual information requirements per region

ID document requirements and guidelines

ID document standards

Proof of address requirements and guidelines

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