> ## Documentation Index
> Fetch the complete documentation index at: https://docs.clickpesa.com/llms.txt
> Use this file to discover all available pages before exploring further.

# KYC

> Upload and manage KYC documents to verify your business in the Merchant Dashboard

ClickPesa is a licensed financial institution. Before you can use the platform without transaction limits, you must complete **Know Your Customer (KYC)** verification.

<Note>
  KYC is step 3 of the [account setup checklist](/dashboard/setup-company-account). Document requirements by business type are also listed in [Get Started With ClickPesa](/home/onboarding#step-2-complete-kyc).
</Note>

## How to access KYC settings

1. Log in to the [Merchant Dashboard](https://merchant.clickpesa.com).
2. Open **Settings** and select **KYC**.

The KYC tab is available to users with the **Main** or **Manager** role when KYC is enabled for your account.

## Before you start

1. Set your **business type** under **Settings → General** (or during KYC). Requirements depend on the type you select.
2. Have registration documents ready. Sample templates and forms are available for download in the KYC page.
3. For each required **beneficial owner (UBO)**, you will upload identity documents (NIDA, Voter's ID, Driving Licence, or Passport) for directors, shareholders, partners, trustees, or other roles listed for your business type.

<Warning>
  **I am not registered / Individual** is not a KYC-supported business type. To complete KYC, register your business (for example as a **Sole Proprietor**) and update your business type under **Settings → KYC** before uploading documents.
</Warning>

## Submission steps

1. Review required **business documents** and **UBO** sections shown for your business type.
2. Upload each required document.
3. Complete any required **forms** (for example board resolution or ClickPesa Terms and Conditions) with signatures, seal, and witness where stated.
4. If prompted, complete **KYC search payment** before your submission is reviewed.
5. Submit for compliance review.

Our compliance team reviews your submission. You receive an email when KYC is **approved** or if more information is needed. After approval, transaction limits are removed and additional features (such as card collections) become available.

## Restrictions before KYC approval

Until KYC is approved:

* **Transaction limit:** **TZS 100,000 total** combined across collections, payouts, deposits, and withdraws in TZS. A separate limit applies to USD activity.
* **Card collections:** Card payment methods cannot be enabled until KYC is complete.
* You receive a notification when you reach **half** of your limit.

## Need help?

Contact [compliance@clickpesa.com](mailto:compliance@clickpesa.com) for questions about document requirements or review status.