Identity Verification (KYC) in PayMoji

Identity verification (KYC / know-your-customer) helps protect your account, comply with financial regulations, and unlock full access to PayMoji's services. The whole process takes about two minutes from start to finish.

PayMoji verification has two levels:

• Standard verification unlocks the core PayMoji features. You'll submit a government-issued ID, take a selfie, verify your phone number, and answer a few quick profile questions.
• Advanced verification unlocks higher transaction limits. You'll upload one document that confirms your address. This is optional and can be done anytime after Standard verification.

This article walks you through both steps so you know what to expect.

Before You Start

Have the following ready:

• A valid government-issued ID (Passport or ID card)
• Your mobile phone (for SMS verification)
• About two minutes of uninterrupted time
• Good lighting for clear ID and selfie photos

Standard Verification Guide

Step 1. Start verification

Open PayMoji and tap Sure, verify now on the home screen prompt. 

NOTE: If you choose Not now, you can also start verification anytime from User settings (⚙️ gear icon on the upper right of the home page) > Verify > Start now.

Step 2. Confirm your country of residence

Select where you currently live, then tap Continue. Proceeding means you agree to the Privacy Notice and Consent.

Step 3. Review what you'll need

You'll see an overview of the five verification sections: ID, Selfie, Phone, Profile, and Questionnaire.

Tap Continue to begin.

Step 4. Submit your identity document

Select your issuing country and document type (Passport or ID card), then tap Continue.

Take a clear photo of your ID. Make sure all four corners are visible and the text is easy to read. Tap Document is readable if the photo looks good, or Retake photo to try again.

If your ID has a back side, you'll be asked to capture that as well.

Step 5. Take a selfie

Position your face inside the circle and look straight into the camera. The system performs a quick liveness check to confirm it's really you.

Tip: Take your selfie in a well-lit area, with no sunglasses, hats, or filters.

Step 6. Verify your phone number

Enter your mobile number and tap Continue.

You'll receive a 6-digit code via SMS. Enter it in the app to confirm your number.

Once verified, you'll see a confirmation screen showing your phone number has been successfully verified.

Step 7. Profile details are confirmed

The system automatically extracts your personal information from your ID, including your name, address, nationality, date of birth, and place of birth. 

Fill up any missing detail and click on Continue.

You'll see a Your data has been accepted screen once this is done.

Step 8. Answer the questionnaire

Provide a few extra details, such as your occupation. Tap Continue when done.

You'll see another Your data has been accepted confirmation.

Step 9. Wait for review

Your verification status will show all sections as Under review. The system typically processes your verification in about two minutes.

Once everything is approved, you'll see the Completed screen.

Tracking Your Verification Status

You can check your verification status anytime under User settings. While your documents are being reviewed, you'll see an Under review badge along with a Checking your docs banner.

If you need help during the review process, tap Get help from the banner.

After Verification

Once your verification is approved, your account will show the Standard tier in your User settings. This unlocks the core PayMoji features.

Want higher transaction limits? Tap Start now on the Upgrade to increase your limit! banner in User settings. You'll be guided through a quick upgrade process that takes about a minute.

Advanced Verification Guide

Once your Standard verification is approved, you can upgrade to Advanced verification to unlock higher transaction limits. The upgrade takes about one minute and only requires you to upload one document showing your address.

Note: You'll need to complete Standard verification first before you can upgrade. See the steps above if you haven't done that yet.

Step 1. Start the upgrade

Open User settings and tap Start now on the Upgrade to increase your limit! banner.

Step 2. Review what's needed

You'll see the Proof of address requirement. Tap Continue to begin.

Step 3. Upload your document

Tap Add file to upload a document that clearly shows your address.

Tip: Tap What else can I upload? in the app to see the full list of accepted document types.

Once your document is added, you can optionally upload an additional file as supporting evidence. Tap Continue when you're ready.

Step 4. Wait for confirmation

You'll see a Your data has been accepted confirmation, followed by the Verification status screen showing your proof of address as Under review. Most reviews complete in about two minutes.

Step 5. Your account is upgraded

Once approved, your User settings will show the Advanced tier badge. You now have access to higher transaction limits on PayMoji.

Common Issues