Prepare these documents before you start your application. Having clear, current copies ready helps your merchant verification go through faster. PayKato reviews every application individually and merchants must be approved before live processing is enabled.
A valid Nigerian government-issued photo ID for the business owner or signatory — for example NIN slip, international passport, driver's licence, or voter's card.
A recent utility bill, bank statement, or tenancy agreement (typically within the last 3 months) showing the residential address of the business owner or signatory.
Corporate Affairs Commission (CAC) certificate of incorporation or business name registration. Sole proprietors should provide their CAC business name certificate.
Where applicable, provide your FIRS-issued TIN. This may be required depending on your business structure and merchant category.
A Nigerian bank account in the registered business name for receiving NGN payouts. Personal accounts cannot be used for incorporated businesses.
PayKato is currently in a controlled Nigeria pilot. Document requirements may change as the pilot progresses and as partner availability evolves. Final document requirements for your account are confirmed during merchant onboarding.