Account setup

This guide walks through the account setup journey from sign-up (KYC), business verification (KYB), activation, and account information maintenance.

Always follow the live Dashboard and email from PayMongo if they differ from this article for your region or product.

How to use this guide

If you…	Start here
Are new to PayMongo	Sign-up (KYC) → Verify your business (KYB)
Need to understand activation	Activation outcome
Need document checklists	Verification requirements
Need to maintain profile and compliance data	Update account information
Want to unlock additional features	Set up account capabilities

Account setup flow

flowchart LR
  A[User account creation] --> B[KYC]
  B --> C[KYB]
  C --> D[Activated]

Sign-up (KYC)

Sign-up (KYC) establishes the account owner identity and opens baseline access once validation passes.

High-level process:

Open the PayMongo sign-up flow (web or app, depending on availability).
Register with an email or mobile number used for login and security notices.
Complete verification prompts.
Complete automated identity verification as requested.

KYC list of requirements

The exact requirements can vary by account profile and risk controls, but commonly include:

Contact verification (email/SMS)
Liveness check
Government ID submission
Face match verification

Verify your business (KYB)

Business verification (KYB) validates your business profile and supporting documents before broader capabilities are enabled.

KYB is used to approve business-level access beyond initial sign-up and to support additional capability requests (for example payment method onboarding or expanded account permissions).

Basic vs detailed business verification

Basic business verification (early flow): a shorter profile collected near sign-up to initialize your business account.
Detailed business verification (capability requests): deeper KYB package with expanded profile and documentary evidence when requesting additional capabilities.

KYB list of requirements

Common information requested:

Legal/trade name and business description
Industry, business size, operating history, estimated monthly volume
Business address and customer-facing contact channels
TIN and tax gross remittances classification
Sworn declaration acknowledgement when applicable

Entity-based documentary requirements:

Individual

Individuals do not submit the same full corporate pack as registered entities. Additional proofs may still be required by the Dashboard.

Sole proprietor

BIR Certificate of Registration
DTI Registration Certificate

Partnership

BIR Certificate of Registration
SEC Certificate of Partnership
Articles of Partnership
Notarized Partnership Resolution

Corporation

BIR Certificate of Registration
SEC Certificate of Incorporation
Notarized By Laws
Articles of Incorporation
Latest GIS (General Information Sheet)
Notarized Secretary's Certificate

One Person Corporation (OPC)

BIR Certificate of Registration
SEC Certificate of Incorporation
Articles of Incorporation
Form of Appointment of Officers
Notarized Secretary's Certificate

For the complete and updated verification reference (KYC IDs, all entity types, EDD, payout/settlement, website checks, authorized representative rules, and foreign document authentication), see Verification requirements.

Activation outcome

After required sign-up and verification checks are completed, activation status reflects whether your account can use baseline live functionality.

Typical outcomes:

Activated - account can use baseline live features for approved scope
Under review - application is still being evaluated
Pending clarification - additional details are required before completion
Declined - application did not pass review

Update account information (via Settings)

Use Settings to keep account records up to date.

This is primarily for data maintenance and compliance accuracy, not for bypassing required onboarding review.

Common update actions:

Update your profile
Update your business information
Update your tax configuration

If an onboarding request is currently under review, follow Dashboard and email instructions for clarification and resubmission when prompted.

Set up account capabilities

After account setup is complete, the next step is capability setup (for example payment methods and other account features), each with its own onboarding and approval requirements.

See Account capabilities for the full capability-specific setup flows.