Definition

An Authorized Representative is the individual officially recognized to act on behalf of a business in PayMongo. This person has the authority to manage the account, submit documents, and make binding updates to business details.

Significance of Access

Being an Authorized Representative means:

You have full authority to represent the business in PayMongo.
You can access sensitive account information and complete onboarding requirements.
Your identity and appointment must be backed by official documentation (e.g., Secretary’s Certificate, Partnership Resolution, or Special Power of Attorney).
Any actions you take on the account are legally binding for the business.

Importance of Having an Authorized Representative

PayMongo requires an Authorized Representative to ensure:

Compliance with regulatory requirements (BSP, SEC, AMLC).
Account security by restricting access to duly appointed individuals only.
Clear accountability for business actions and updates.

Eligibility per Business Type

This depends on your business type. See the table below for allowed representatives and requirements if changes are needed:

Business Type	Allowed Authorized Representative	If the authorized representative needs to change
Individual / Unregistered Business	Business owner / Applicant / ID holder	Cannot be changed.
Sole Proprietorship	The business owner indicated in the DTI Certificate of Registration The Authorized Representative representing the Business owner supported by: Duly-notarized Special Power of Attorney issued by the business owner Three specimen signatures of the business owner beside their valid ID Valid ID of the new authorized representative (1 primary or 3 secondary IDs; should show full name, address, nationality, DOB)	Provide the following documents Duly-notarized Special Power of Attorney issued by the business owner Three specimen signatures of the business owner beside their valid ID Valid ID of the new authorized representative (1 primary or 2 secondary IDs; should show full name, address, nationality, DOB) Signed SOA of the new authorized representative Liveness check or selfie of the new authorized representative
Partnership	The Authorized representative(s) indicated in the Partnership Resolution	Provide the following documents Issue a new Notarized Partnership Resolution Valid government-issued ID of authorized representative (1 primary or 2 secondary IDs) Signed SOA of the new authorized representative Liveness check or selfie of the new authorized representative
Corporation & OPC	The Authorized representative(s) indicated in the Secretary's Certificate	Provide the following documents Issue a new Notarized Secretary's Certificate / Board Resolution* Board resolution for instances where there are 2-3 Authorized representatives in the Secretary's Certificate and they wish to add or remove Valid government-issued ID of authorized representative (1 primary or 2 secondary IDs) Signed SOA of the new authorized representative Liveness check or selfie of the new authorized representative

Examples and Scenarios

Appointment of a Different Representative

Sole proprietors may appoint someone else through a duly notarized Special Power of Attorney.
Partnerships and Corporations can update representatives through a Partnership Resolution or Secretary’s Certificate/Board Resolution.

Representation for Sole Proprietors

A manager or relative may act as a representative if they are officially appointed via a notarized Special Power of Attorney, supported by required IDs and specimen signatures.

Individual or Unregistered Businesses

For individuals or unregistered businesses, the account holder (applicant/ID holder) is the only Authorized Representative and this cannot be changed.