Security & Compliance

KYC Requirements & Account Tiers

Understand 100Pay's Know Your Customer (KYC) tiers, required documents, and how verification unlocks higher limits and advanced features.

Updated 14 March 2026·Security & Compliance

KYC Requirements & Account Tiers

100Pay uses a tiered Know Your Customer (KYC) system to comply with financial regulations, prevent fraud, and protect our users. Higher tiers unlock larger transaction limits and access to advanced features like staking, loans, and international payouts.

Account tiers overview

| Tier | What's required | Daily send limit | Features unlocked | |---|---|---|---| | Tier 0 | Email verified | ₦50,000 | Basic deposits, portfolio, checkout | | Tier 1 | Government ID + liveness selfie | ₦500,000 | Payment links, invoices, staking, cards | | Tier 2 | Business registration documents | Unlimited | International payouts, Tier 2 loan limits |

Accepted identity documents (Tier 1)

  • National Identification Number (NIN) slip or card
  • International passport (must be valid and not expired)
  • Driver's licence (front and back)

All documents must be:

  • Government-issued
  • Clearly readable (no blurs, glare, or cut-off edges)
  • Valid (not expired)

How to complete Tier 1 verification

  1. Log in to dashboard.100pay.co.
  2. Go to Settings → Verification (or follow the in-app prompt).
  3. Select your document type.
  4. Upload a clear photo or scan of your document.
  5. Complete the liveness selfie check (you'll be asked to look at the camera and blink or turn your head).
  6. Submit. You'll receive a confirmation email within 24 hours.

Tier 2 (Business verification)

If you run a registered business and need higher limits or international payouts:

  1. Go to Settings → Business Verification.
  2. Upload:
    • Certificate of Incorporation (CAC, LLC, or equivalent)
    • Director/owner government ID (same as Tier 1 docs)
    • Proof of business address (utility bill or bank statement, less than 3 months old)
  3. Wait for manual review — typically 2–5 business days.

AML & compliance

100Pay complies with global Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT) requirements. This includes:

  • Transaction monitoring: Automated screening of all transactions against sanctions lists.
  • Enhanced Due Diligence (EDD): For high-value transactions or accounts flagged by our risk engine.
  • Suspicious Activity Reports (SARs): Filed with relevant authorities when required by law.

Our full AML policy is available at /aml.

Data and privacy

The documents you submit for KYC are:

  • Encrypted in transit and at rest.
  • Used only for identity verification and regulatory compliance.
  • Never sold to third parties.

See the Privacy Policy for full details.

Frequently asked questions

Will my information be stored indefinitely?
We retain KYC data for as long as required by applicable regulations (typically 5–7 years after account closure).

What if my document is rejected?
You'll receive an email with the specific reason. Re-submit with a clearer photo or a different accepted document type.

I'm having trouble with liveness detection. What should I do?
Try in a well-lit area, look directly at the camera, and ensure your face is fully within the frame. If issues persist, contact [email protected].

Is my data shared with the Nigerian government?
We may share information with regulatory authorities as required by Nigerian law (e.g. CBN, EFCC, NFIU).

Was this article helpful?