KYC requirements by country

A paying entity must pass KYC review before it can create a POBO payout. The field names in Submit merchant KYC are the same in every supported country and region; only three things change with the entity’s location: which attachment types (file_type) are required, which primary identity documents are accepted, and how Hong Kong addresses are validated. This guide lists those three differences for Hong Kong SAR (HKG), Taiwan, China (TWN), Malaysia (MYS), Philippines (PHL), Indonesia (IDN), Vietnam (VNM), Thailand (THA), Singapore (SGP), United Kingdom (GBR), Mexico (MEX).

Before you begin

Prepare the paying entity’s company documents or individual identity documents before you submit KYC information.
Upload each required file with Upload file v2 and use the returned file_id values in the KYC request.
Submit KYC information with Submit merchant KYC.
For the end-to-end POBO sequence, see Payouts on behalf of (POBO).

Shared request structure

The KYC request uses consistent JSON keys for all supported countries. Country-specific requirements change the accepted values and required attachments, not the field names.

Scope	Fields
Top-level company request	`merchant_type`, `country`, `merchant_id`, `industry`, `company_info`
Top-level individual request	`merchant_type`, `country`, `merchant_id`, `industry`, `individual_info`
Address objects	`country`, `state`, `city`, `postcode`, `line1`
Person information	`name`, `name_en`, `id_number`, `date_of_birth`, `issue_date`, `expiration_date`, `residential_address`, `attachments`

Company KYC requirements

For company KYC, set merchant_type to B2B and provide company_info. Do not provide individual_info in the same request.

HKG baseline fields

Field	Requirement
`company_type`	Required. Use `Limited Company`.
`listed`	Required. Indicates whether the company is listed.
`identify_no`	Required. Company registration or identification number.
`company_name`	Required. Local company name.
`company_name_en`	Required. English company name.
`establish_date`	Required. Company establishment date in `YYYYMMDD` format.
`commencement_date`	Required. Business commencement date in `YYYYMMDD` format.
`valid_period`	Required. Validity date in `YYYYMMDD` format.
`operation_address`	Required. Includes `country`, `state`, `city`, `postcode`, and `line1`.
`register_address`	Required. Includes `country`, `state`, `city`, `postcode`, and `line1`.
`legal_info`	Required. Uses the PersonInfo structure for the legal representative.
`ubo_infos`	Required. Includes at least one UBO PersonInfo object.
`online_store_url`	Required unless a business document is provided instead.
`attachments`	Required. Includes company attachments.

Company attachment requirements

The file_type values below are what the operation accepts. Passing validation does not guarantee that compliance review approves the submission.

Country	Company attachment `file_type` values	Legal representative and UBO primary identity document	Special rule
Hong Kong SAR (`HKG`)	`CI`, `BR`, `NNC1`, `AOA`, `ANNUAL_RETURN`, `BAP`, `SSC`	`FIC`	Baseline country.
Taiwan, China (`TWN`)	`CI`, `AOA`, `ANNUAL_RETURN`, `BAP`, `SSC`	`PP`	The request fields stay the same as `HKG`; omit `BR` and `NNC1`.
Malaysia (`MYS`)	`CI`, `AOA`, `ANNUAL_RETURN`, `BAP`, `SSC`	`PP`	The request fields stay the same as `HKG`; omit `BR` and `NNC1`.
Philippines (`PHL`)	`CI`, `AOA`, `ANNUAL_RETURN`, `BAP`, `SSC`	`PP`	The request fields stay the same as `HKG`; omit `BR` and `NNC1`.
Indonesia (`IDN`)	`CI`, `AOA`, `ANNUAL_RETURN`, `BAP`, `SSC`	`PP`	The request fields stay the same as `HKG`; omit `BR` and `NNC1`.
Vietnam (`VNM`)	`CI`, `AOA`, `ANNUAL_RETURN`, `BAP`, `SSC`	`PP`	The request fields stay the same as `HKG`; omit `BR` and `NNC1`.
Thailand (`THA`)	`CI`, `AOA`, `ANNUAL_RETURN`, `BAP`, `SSC`	`PP`	The request fields stay the same as `HKG`; omit `BR` and `NNC1`.
Singapore (`SGP`)	`CI`, `AOA`, `ANNUAL_RETURN`, `BAP`, `SSC`	`PP`	`company_name_en` must include the `Pte Ltd` suffix.
United Kingdom (`GBR`)	`CI`, `AOA`, `ANNUAL_RETURN`, `BAP`, `SSC`	`PP`	The request fields stay the same as `HKG`; omit `BR` and `NNC1`.
Mexico (`MEX`)	`CI`, `AOA`, `ANNUAL_RETURN`, `BAP`, `SSC`	`PP`	The request fields stay the same as `HKG`; omit `BR` and `NNC1`.

For non-mainland China personnel, include name, name_en, id_number, date_of_birth, issue_date, expiration_date, residential_address, and attachments. For a mainland China identity card, the two sides are PRC_ID_Emblem and PRC_ID_Portrait.

Individual KYC requirements

For individual KYC, set merchant_type to B2C and provide individual_info.

HKG baseline fields

Field	Requirement
`name`	Required. Local-language individual name.
`name_en`	Required. English individual name.
`id_number`	Required. Identity document number.
`date_of_birth`	Required. Date of birth in `YYYYMMDD` format.
`issue_date`	Required. Identity document issue date in `YYYYMMDD` format.
`expiration_date`	Required. Identity document expiration date in `YYYYMMDD` format. Use `20991231` for a document that is valid indefinitely and carries no printed expiry date.
`residential_address`	Required. Includes `country`, `state`, `city`, `postcode`, and `line1`. For `HKG`, `city` must use a supported Hong Kong district value.
`attachments`	Required. Includes both sides of the primary identity document, `ID_Hand`, and `POA`. Use the document’s own `file_type` for the front and `BACK` for the reverse.

Individual country differences

Country	Primary identity document `file_type`	Name language	`city` validation	Additional required attachments
Hong Kong SAR (`HKG`)	`HK_PID` or `FIC`; do not use `PP` for Hong Kong residents.	Chinese	Must use a supported Hong Kong district value in Chinese or English.	`ID_Hand`, `POA`
Philippines (`PHL`)	`FIC`; `PP` is also accepted. Do not use `HK_PID`.	English	Use the local English city name.	`ID_Hand`, `POA`
Taiwan, China (`TWN`), Malaysia (`MYS`), Indonesia (`IDN`), Vietnam (`VNM`), Thailand (`THA`), Singapore (`SGP`), United Kingdom (`GBR`), Mexico (`MEX`)	`PP`; `FIC` is also accepted. Do not use `HK_PID`.	English	Use the local English city name.	`ID_Hand`, `POA`

Hong Kong address requirements

For HKG individual KYC, residential_address.city must be one of the following values.

Chinese value	English value
`中西区`	`Central and Western District`
`湾仔区`	`Wan Chai District`
`东区`	`Eastern District`
`南区`	`Southern District`
`油尖旺区`	`Yau Tsim Mong District`
`深水埗区`	`Sham Shui Po District`
`九龙城区`	`Kowloon City District`
`黄大仙区`	`Wong Tai Sin District`
`观塘区`	`Kwun Tong District`
`北区`	`North District`
`大埔区`	`Tai Po District`
`沙田区`	`Sha Tin District`
`西贡区`	`Sai Kung District`
`荃湾区`	`Tsuen Wan District`
`屯门区`	`Tuen Mun District`
`元朗区`	`Yuen Long District`
`葵青区`	`Kwai Tsing District`
`离岛区`	`Islands District`

Next steps

After the paying entity passes KYC review, create the recipient bank-account destination. For country-specific SWIFT requirements, see Bank account requirements by country.

Overview

Initial Setup

Pay-In

Funds Management

Reference

KYC requirements by country

Before you begin

Shared request structure

Company KYC requirements

HKG baseline fields

Company attachment requirements

Individual KYC requirements

HKG baseline fields

Individual country differences

Hong Kong address requirements

Next steps

​Before you begin

​Shared request structure

​Company KYC requirements

​HKG baseline fields

​Company attachment requirements

​Individual KYC requirements

​HKG baseline fields

​Individual country differences

​Hong Kong address requirements

​Next steps

Before you begin

Shared request structure

Company KYC requirements

HKG baseline fields

Company attachment requirements

Individual KYC requirements

HKG baseline fields

Individual country differences

Hong Kong address requirements

Next steps