How long does verification take?

Timing depends on partner workflows and the completeness of documents provided. Most reviews complete within a few business days.

What happens if I'm declined?

Some categories are restricted by partners, card networks, or applicable law. If your business falls outside what our partners can support, we'll explain the reason where allowed.

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How merchant verification works

Verification protects merchants, customers, and the licensed partners that move the money. Here's what to expect when you onboard with PayKato.

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What we verify

We confirm the identity of the business and its principals, the legitimacy of the business activity, and that the merchant is not in a prohibited category. Specific checks are partner- and country-dependent.

Identity of the business owner / director (government-issued ID)
Proof of address
Business registration documents (e.g. CAC, RGD, CIPC, or local equivalent)
Tax identification where applicable
Bank account verification in the registered business name
Prohibited-business screening

Why verification matters

Card networks, processors, and banks require it. Without it, merchants cannot accept live payments. Verification also protects honest merchants by keeping abusive actors off the platform, which lowers chargeback and fraud risk across the network.

What happens after verification

Once approved, your account can accept live payments via the relevant licensed partners. PayKato continues monitoring transactions and may request additional information later — for example, on volume spikes, unusual patterns, or partner-side requests.

Frequently asked

How long does verification take?: Timing depends on partner workflows and the completeness of documents provided. Most reviews complete within a few business days.
What happens if I'm declined?: Some categories are restricted by partners, card networks, or applicable law. If your business falls outside what our partners can support, we'll explain the reason where allowed.
Which processors and banks does PayKato use?: PayKato is built to integrate with licensed payment processors and banking partners. Specific processors and availability are confirmed during merchant onboarding based on country, merchant category, and partner approval.

How merchant verification works

What we verify

Why verification matters

What happens after verification

Frequently asked

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