What this means
When you first sign up, you may have limited access to features. To unlock your account's full capabilities—such as accepting all payment channels (like credit cards and e-wallets) and withdrawing your funds—you must complete the Account Activation process.
There are two main categories for activation:
Individual (Unregistered Business): Best for freelancers or social sellers without official business registration.
Registered Business: For Sole Proprietorships, Partnerships, Corporations, or One Person Corporations (OPC) registered with the DTI or SEC.
Why this happens
PayMongo is a regulated financial institution. We are required by the Bangko Sentral ng Pilipinas (BSP) to perform "Know Your Customer" (KYC) checks. This ensures that we can confirm the identity of our users, prevent fraud, and keep the financial system secure for everyone.
What you can do
Identify your business type below and gather the required digital copies of your documents. Ensure all photos or scans are clear, readable, and complete (not cropped).
1. Individual (Unregistered Business)
If you do not have a DTI or SEC registration, you are classified as an Individual.
1 Valid Government ID: See the list of accepted IDs
2. Sole Proprietorship
DTI Certificate of Business Name Registration.
BIR Certificate of Registration (Form 2303).
1 Valid Government ID of the registered owner.
3. Partnership
SEC Certificate of Partnership.
Articles of Partnership.
Partner's Resolution: Must authorize the person transacting with PayMongo and designate the bank account for payouts.
BIR Certificate of Registration (Form 2303).
1 Valid Government ID of any partner.
4. Corporation
SEC Certificate of Incorporation.
Articles of Incorporation and By-Laws (all pages).
General Information Sheet (GIS): Latest version submitted to and received by the SEC.
Secretary's Certificate: A notarized board resolution authorizing the representative to transact with PayMongo and specifying the corporate bank account for payouts.
BIR Certificate of Registration (Form 2303).
1 Valid Government ID of any incorporator.
5. One Person Corporation (OPC)
SEC Certificate of Incorporation.
Articles of Incorporation and By-Laws.
Form for Appointment of Officers: Must be stamped/received by the SEC.
Secretary's Certificate: Notarized resolution authorizing the transaction and payout account.
BIR Certificate of Registration (Form 2303).
1 Valid Government ID of the owner.
Accepted Government IDs
When uploading an ID, ensure it is valid (not expired). Common accepted IDs include:
Passport
Driver's License
SSS / UMID ID
PRC ID
PhilSys National ID (Physcial or ePhilID)
For a full list of accepted primary and secondary IDs, please view the official list here.
What happens next
Once you have uploaded your documents via the PayMongo Dashboard:
Review: Our Onboarding Team will review your submission. This typically takes up to 14 business days.
Notification: You will receive an email notifying you if your account is activated or if we need additional information.
Activation: Once approved, your account status will change to "Activated," and you will be able to receive payouts and use all enabled payment channels.
How to get more help
If you are unsure about a specific document or have a unique business setup (such as a Non-Philippine entity), you can check our detailed Developer Documentation.
For further assistance, please email us at [email protected].