To stay compliant with financial regulations, you may need to complete an identity verification (KYC) check when you add or send funds to other banks. KYC stands for "Know Your Customer" and is a standard practice across regulated money services.
PayMoji works with multiple trusted payment partners, and the KYC process is handled directly by whichever partner processes your transaction.
Why is KYC required?
KYC checks help:
- Prevent fraud and identity theft
- Comply with anti-money laundering (AML) regulations
- Protect your account from unauthorized activity
- Ensure your funds are routed safely to the right place
When will I need to verify?
It depends on the payment partner processing your transaction. PayMoji automatically selects the best provider for your route, but you can also choose your preferred provider when available.
| Partner | When KYC is required | Learn more |
|---|---|---|
| TransFi | Tiered KYC based on transaction amount and risk. You may not need to verify for smaller transactions. | TransFi KYC Process |
| Swapped | Required for every transaction, regardless of amount. | Swapped KYC Checks |
| Onmeta | Required before any transaction can be processed. | Onmeta User FAQs |
| Fonbnk | Tiered KYC based on transaction amount. Basic verification for smaller transactions, advanced verification (with ID photos and selfie) for larger amounts. | Fonbnk Help Center |
| Binance Connect | Required for all users to access Binance services. Multiple verification levels may apply based on your region. | Binance Identity Verification Guide |
| Topper | Required at your first transaction. Verification is a one-time process; once approved, you won't need to repeat it. | How to Verify Your Identity (Topper) |
| Banxa | Required at your first transaction. Verification is a one-time process; payment must match the verified user. | How to Pass Verification (Banxa) |
What you'll typically need
While the exact requirements vary by partner, you'll usually need:
- A valid government-issued photo ID (passport, national ID, or driver's license)
- A clear selfie, taken in good lighting (some partners use a liveness check)
- A device with a working camera
- In some cases, proof of address (utility bill or bank statement) or proof of source of funds
Who handles verification?
Each payment partner runs its own KYC process. Your ID and selfie are submitted directly to the partner you're transacting with, not to PayMoji. We don't store your raw identity documents on our servers.
What it looks like
When KYC is required and triggered during your transaction, you'll be prompted to verify your identity before you are able to proceed with the fund transfer.
In the example above, Topper required a one-time KYC verification process for the user's first deposit.
Once you agree and confirm, you'll be handed off to the payment partner's secure verification page to provide ID and liveness check.
The exact design varies depending on which partner is processing your transaction, but the steps are similar across all of them: upload an ID, take a selfie or liveness check, and submit for review.
Common Questions
Do I need to verify before signing up for PayMoji?
No, you can sign up and create an account without completing any verification. However, certain features and transactions require different types of verification:
- Email transfers between PayMoji users: No verification needed.
- QR code payments: PayMoji's Standard Verification is required. See Identity Verification in PayMoji.
- Adding funds, withdrawing to a bank, or sending to e-wallets: Partner KYC may be required depending on the amount and the partner processing your transaction.
Why does PayMoji have its own verification separate from partner KYC?
PayMoji and our payment partners are separate financial entities. Each is required to independently meet its own regulatory obligations, so completing one doesn't automatically satisfy the other.
- PayMoji Verification (Standard or Advanced) unlocks features like QR code payments and higher transaction limits within the PayMoji app itself.
- Partner KYC is required by the specific payment provider handling your transaction (like TransFi or Swapped). Each partner has different compliance requirements based on the regions they operate in and the transaction size.
The good news: once you've completed verification with a partner, you typically won't need to verify again with them for future transactions of similar size.
Do PayMoji-to-PayMoji transfers require KYC?
No. Direct transfers between PayMoji accounts don't go through a payment partner, so no KYC is required.
If I'm already verified with one partner, do I need to verify with another?
Yes. Each payment partner runs its own KYC process, and verification is not shared between them. If a different partner processes your next transaction, you may need to verify again with that partner.
How long does verification take?
It varies by partner. Most KYC checks complete within a few minutes, though some may take up to 24 hours. Check the partner's KYC page (linked above) for details.
Will my data be safe?
Your identity documents are submitted directly to the payment partner and handled under their privacy and security standards. PayMoji does not store your raw ID or selfie. For more information on how PayMoji handles your data, see our Privacy Policy.
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