Completing Verification - UPayments Verification Center

Modified on Tue, 26 Aug at 3:19 PM

As per the guidelines laid down by the Central Bank of Kuwait (CBK), all our esteemed merchants are required to complete their account verification to ensure a secure and compliant ecosystem.

TABLE OF CONTENTS

Why is Account Verification Crucial?
Verification Center Steps
Verification Center Stages Summary Table
Required Documents Summary Table

Why is Account Verification Crucial?

Access Full Services
By completing your Account Verification, you'll be able to utilise the full capabilities of UPayments' suite of services.
Compliance with Regulations
Abide by CBK guidelines and ensure smooth and hassle-free operations for your business.
Building Trust
Account Verification not only keeps you compliant but also enhances trust between you, us, and your customers.

Verification Center Steps

Verify Your Email

1. Verify your Email Address
Click Verify

2. On your Email, click the Verify Email Address button

3. If you have not received the email, click Resend Email

Verify Your Mobile Number

4. After verifying your email, you are required to verify your Mobile Number

Check your Whatsapp or SMS for the Verification Code

5. Enter the verification code in the Verification Center

Enter Merchant Details

6. Enter your Merchant Details:

Business Name (English)
Business Name (Arabic)
Business Type:
- Registered Company
  Example:
  - Limited Liability
  - Limited Partnership
  - Joint Stock
  - Simple Recommendation
  - Micro-Enterprise
- Establishment
  Business Owned by Only One Person
- Licensed Entity
  Example: Professionals Including, but not Limited to:
  - Lawyers
  - Doctors
  - Consultants
  - Charity (NGO)

7. Enter your Merchant Details: Choose your Business Category and Sub-Category

8. Enter your Merchant Details: Social Media Accounts

9. Enter your Merchant Details:

Number of Branches/Locations
Average Monthly Transactions
Average Monthly Transaction Value (KWD)

Authorized Personnel Identification

10. Enter the Authorized Personnel Identification:

Upload Authorized Person's Civil ID (Front) image
Upload Authorized Person's Civil ID (Back) image
Enter Authorized Person's Civil Number

11. Click Verify my Civil ID to move to the PACI verification process

12. Download the Official Kuwait Mobile ID App

https://hawyti.paci.gov.kw/English/Download.aspx

Click Continue

13. On the Official Kuwait Mobile ID App, login to your account, switch to Authenticate & Sign and click the UPayments Authentication Request then toggle both toggles then Authenticate, enter your PIN to complete Authentication

14. On the Verification Center, you will receive the confirmation of successful authentication

15. Your data will be added to the verification center from the Mobile ID App, click Save and Continue

Legal Documents

16. Upload the required Legal Documents and Legal Information of your business

17. You can hover over or click the tooltip to view an example of the required document

18. Article of Association and its Amendments
The document as issued by the Ministry of Commerce and Industries

19. Commercial License
The document as issued by the Ministry of Commerce and Industries

20. Commercial License Number
The commercial license number available on the document as issued by the ministry of commerce and industries

21. Commercial license expiry date
The license expiry date

22. Extract Commercial Registry
The document is issued by the ministry of commerce and industries
Make sure that the document date does not exceed 3 months from its extraction date

23. Authorized Signatory Certificate
the document is issued by the public authority of manpower
make sure that the document is not expired

24. Board of directors certificate (for joint company)
The document is issued by the ministry of commerce and industries
Make sure that the validity is more than 3 months

25. Examples of other documents to upload:

Kuwait Society of Lawyers Letter
Ministry of Health Documents

26. Click Save and Continue

27. Please make sure to upload all the required documents and enter all the required data

Banking Details

28. Enter the Banking Details:

Beneficiary Name (English)
IBAN Number
Bank Account Number
Bank Account Business Association Proof

29. You can continue to your dashboard after submitting all the required information and documents successfully

Verification Status

30. In your Account Details page, your account status will be Pending until your submitted documents and information are verified successfully

31. If any documents or information is rejected, you will be able to review them in the Accounts Details page

32. You can view the Account Feedback by clicking the arrow button

33. You will find the feedback from UPayments Team about your rejected account documents and information

34. To adjust any rejected documents, information or fields, click Edit Details

35. You will be taken to the verification center to adjust the rejected documents or information

Verification Center Stages Summary Table

#	Mandatory Field	Description
1	Email Verification	Have access to the admin email used for registering your account
2	Mobile Number	Have access to the admin phone number used for registering your account
3	Business Name	Your official business name as per the commercial license in Arabic and English
4	Business Type	Your business type, examples: = Registered Company - Limited Liability - Limited Partnership - Joint Stock - Simple Recommendation - Micro Enterprise = Establishment Business Owned by Only One Person = Licensed Entity Example: Professionals including, but not limited to: - Lawyers - Doctors - Consultants - Charity (NGO)
5	Business Category	Enter your business category and sub-category as per your business sector
6	Social Media Accounts	Enter your social media accounts, at least one active social media account that showcases your business activities is required
7	Merchant Details	Prepare the following information to be submitted: - Number of Branches/Locations - Average Monthly Transactions - Average Monthly Transaction Value (KWD)
8	Authorized Personnell Identification	The Authorized Personnel Identification: - Civil ID Front and Back - Access to PACI
9	Article of Association and its Amendments	The document as issued by the Ministry of Commerce and Industries
10	Commercial License	The document as issued by the Ministry of Commerce and Industries
11	Commercial License Number	The commercial license number available on the document as issued by the ministry of commerce and industries
12	Commercial license expiry date	The license expiry date
13	Extract Commercial Registry	The document is issued by the ministry of commerce and industries Make sure that the validity is more than 3 months
14	Authorized Signatory Certificate	The document is issued by the public authority of manpower make sure that the document is not expired
15	Board of directors certificate (for joint company)	The document is issued by the ministry of commerce and industries Make sure that the validity is more than 3 months
16	Other Documents	= Examples of other documents to upload: - Kuwait Society of Lawyers Letter - Ministry of Health Documents
17	Banking Details	= Enter the Banking Details: - Beneficiary Name (English) - IBAN Number - Bank Account Number - Bank Account Business Association Proof

Required Documents Summary Table

Company Type	Required Documents
Small Business Company	- Authorized Personnel Identification (Civil ID) - Article of Association and its Amendments - Commercial License - Extract Commercial Registry - Authorized Signatory Certificate - Company Bank Account Number & IBAN Number
General Shareholding/Holding Company	- Authorized Personnel Identification (Civil ID) - Article of Association and its Amendments - Commercial License - Extract Commercial Registry - Authorized Signatory Certificate - Board of Directors Certificate - Company Bank Account Number & IBAN Number
One Person Company	- Authorized Personnel Identification (Civil ID) - Article of Association and its Amendments - Commercial License - Extract Commercial Registry - Authorized Signatory Certificate - Company Bank Account Number & IBAN Number
Public Benefit Associations	- Authorized Personnel Identification (Civil ID) - Article of Association and its Amendments - Commercial License - Extract Commercial Registry - Authorized Signatory Certificate - Company Bank Account Number & IBAN Number
Medical Clinic	- Authorized Personnel Identification (Civil ID) - Commercial License - Authorized Signatory Certificate - Ministry of Health License - Company Bank Account Number & IBAN Number For the Clinic
Law Firm	- Authorized Personnel Identification (Civil ID) - Commercial License - Authorized Signatory Certificate - Kuwait Bar Association License - Law Practice Certificate/ID - Company Bank Account Number & IBAN Number for the Law Firm
Establishments	- Authorized Personnel Identification (Civil ID) - Article of Association and its Amendments - Commercial License - Extract Commercial Registry - Authorized Signatory Certificate - Company Bank Account Number & IBAN Number
Limited Partnership / Limited Liabilities	- Authorized Personnel Identification (Civil ID) - Article of Association and its Amendments - Commercial License - Extract Commercial Registry - Authorized Signatory Certificate - Company Bank Account Number & IBAN Number
Joint Stock / Closed Shareholding	- Authorized Personnel Identification (Civil ID) - Article of Association and its Amendments - Commercial License - Extract Commercial Registry - Authorized Signatory Certificate - Board of Directors Certificate - Company Bank Account Number & IBAN Number
Schools and Educational Institutions	- Authorized Personnel Identification (Civil ID) - Commercial License - Authorized Signatory Certificate - Article of Association - Ministry of Education Approval - Company Bank Account Number & IBAN Number for the School/Educational Institution
Brokerage and Investment	- Authorized Personnel Identification (Civil ID) - Commercial License - Authorized Signatory Certificate - CMA License (رخصة هيئة أسواق المال) - Board Resolution / Power of Attorney - Article of Association and its Amendments - Company Bank Account Number & IBAN Number for the School/Educational Institution