> ## 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.

# Get Started With ClickPesa

> Learn how open a ClicPesa account for your business and organizations in Tanzania

Registered businesses (Individual and Organizations) in Tanzania can create an account with ClickPesa.
**Registering an account is FREE**— No credit card required, No monthly or yearly fees! We charge on transaction, you make money we make money. Find our [fees and pricing](https://clickpesa.com/payment-gateway/pricing/).

## Step 1: Sign Up

* Visit [ClickPesa Dashboard](https://merchant.clickpesa.com/account-registration) and create an account.
* The signup process is quick and takes **less than 3 minutes**.
* Once signed up, you can explore and use the platform, but **usage limits apply until KYC is approved** (transaction caps, API daily limit, and some features).

### Registration walkthrough

<AccordionGroup>
  <Accordion title="Enter email and password">
    * Input your email and select a password for your ClickPesa merchant dashboard. To ensure a strong password is provided, a password should:
      * have at least 8 characters
      * include at least one capital letter
      * include at least one small letter
      * include at least one number
      * include at least one special character: `!@#$%^&*()_+-=[]{};':"\|,.<>/?~`
    * Check the box to agree with the terms of service and privacy policy.
    * Click the "Register" button to proceed.

    <Frame caption="Complete the registration form and click **Register**.">
      <img src="https://mintcdn.com/clickpesa/0WSW-pYZvTe4euTd/images/knowledge-base/onboarding-sign-up.png?fit=max&auto=format&n=0WSW-pYZvTe4euTd&q=85&s=b359f1c190ae3afd340263efc26ca49d" alt="ClickPesa account registration form" width="1578" height="1958" data-path="images/knowledge-base/onboarding-sign-up.png" />
    </Frame>
  </Accordion>

  <Accordion title="Email verification">
    1. An email will be sent to you containing a "Verify Your Email" button.
           <Frame caption="Open the verification email and click **Verify Your Email**.">
             <img src="https://mintcdn.com/clickpesa/0WSW-pYZvTe4euTd/images/knowledge-base/onboarding-email-registration.png?fit=max&auto=format&n=0WSW-pYZvTe4euTd&q=85&s=276439e59892c726ae669173f3f4072d" alt="Email verification message in inbox" width="1174" height="1768" data-path="images/knowledge-base/onboarding-email-registration.png" />
           </Frame>
    2. Click on it to confirm your email address.
           <Frame caption="Email verified confirmation.">
             <img src="https://mintcdn.com/clickpesa/0WSW-pYZvTe4euTd/images/knowledge-base/onboarding-email-verified.png?fit=max&auto=format&n=0WSW-pYZvTe4euTd&q=85&s=978f221b687ffc4e795381282a8fa7ed" alt="Email verified confirmation screen" width="1720" height="1024" data-path="images/knowledge-base/onboarding-email-verified.png" />
           </Frame>
    3. Congratulations! You are now successfully registered for the ClickPesa Merchant Dashboard.
  </Accordion>

  <Accordion title="First time login and OTP setup">
    1. After email verification, log in with your email and password at [merchant.clickpesa.com](https://merchant.clickpesa.com/).
           <Frame caption="Log in with your email and password.">
             <img src="https://mintcdn.com/clickpesa/C3eIIio-qxIwXWfX/images/knowledge-base/SCR-20240917-csdw.png?fit=max&auto=format&n=C3eIIio-qxIwXWfX&q=85&s=20ccb0b3720145e54bb8b73c4a525ca1" alt="Merchant Dashboard login page" width="1388" height="1932" data-path="images/knowledge-base/SCR-20240917-csdw.png" />
           </Frame>
    2. Set up OTP (One Time Password) — a 5-digit code sent via SMS to your phone number.
       * Enter your phone number in the **Phone Number** field.
             <Frame caption="Enter your phone number to receive an OTP.">
               <img src="https://mintcdn.com/clickpesa/C3eIIio-qxIwXWfX/images/knowledge-base/SCR-20240917-ctkc.png?fit=max&auto=format&n=C3eIIio-qxIwXWfX&q=85&s=b344c0ccef9a1b0736cfcf04037c2c6b" alt="OTP phone number entry screen" width="1308" height="1920" data-path="images/knowledge-base/SCR-20240917-ctkc.png" />
             </Frame>
       * Enter the code from the SMS into the **OTP Code** field and click **Enable OTP**.
             <Frame caption="Enter the OTP code and click **Enable OTP**.">
               <img src="https://mintcdn.com/clickpesa/C3eIIio-qxIwXWfX/images/knowledge-base/SCR-20240917-ctgi.png?fit=max&auto=format&n=C3eIIio-qxIwXWfX&q=85&s=c13a0401883c3183cca4b5940a67fa19" alt="OTP code verification screen" width="1414" height="1938" data-path="images/knowledge-base/SCR-20240917-ctgi.png" />
             </Frame>
       * If the code expires, click **Resend Code** to receive a new OTP.

    For subsequent logins, see [Login and Password Reset](/home/login-password-reset).
  </Accordion>

  <Accordion title="Add a business name">
    After verifying your OTP during your first login, you need to enter your Business Name. Then, click the "Get Started" button to proceed.

    <Frame caption="Enter your business name and click **Get Started**.">
      <img src="https://mintcdn.com/clickpesa/C3eIIio-qxIwXWfX/images/knowledge-base/SCR-20240917-cqcr.png?fit=max&auto=format&n=C3eIIio-qxIwXWfX&q=85&s=548b5faff738c60c37387b8dadbb0516" alt="Business name entry during first login" width="990" height="1350" data-path="images/knowledge-base/SCR-20240917-cqcr.png" />
    </Frame>

    Afterward, you will be taken to the homepage of your ClickPesa Merchant Dashboard.

    <Frame caption="Merchant Dashboard homepage after first login.">
      <img src="https://mintcdn.com/clickpesa/b9ma1tDtoPEB4JTF/images/knowledge-base/SCR-20240401-oepq.png?fit=max&auto=format&n=b9ma1tDtoPEB4JTF&q=85&s=0d03eace3f0984ee0580b971324a1d0e" alt="Merchant Dashboard homepage after registration" width="3598" height="2074" data-path="images/knowledge-base/SCR-20240401-oepq.png" />
    </Frame>

    Once you are at the homepage of your ClickPesa Merchant Dashboard, open **Get Started** in the sidebar or follow the [account setup checklist](/dashboard/setup-company-account). You can also [install the dashboard as an app](/home/instant-web-access) on your phone or desktop for quick access.
  </Accordion>
</AccordionGroup>

### Limits before KYC approval

Until your KYC is approved:

* **TZS 100,000 total** — combined across collections, payouts, deposits, and withdraws in Tanzanian Shillings. This is one shared limit, not a separate cap per transaction type.
* **USD** — a separate pre-KYC limit applies to USD activity.
* **Card collections** — card payment methods are not available until KYC is approved.
* **TanQR/Lipa Namba and CRDB Direct Debit** — these collection methods cannot be enabled until KYC is approved.
* **Online collection channels** — some additional channel activations (for example certain mobile money or bank collection options) also require KYC before they can be turned on.
* **API usage** — **100 API calls per day**, including token generation. The count resets every day at **midnight East Africa Time (EAT)**. This applies only while KYC is not yet approved.
* **When you reach your transaction limit** — you can still view your account and work on KYC submission, but payouts, collections, and other payment actions are paused until KYC is approved.
* You are notified when you reach **half** of your transaction limit.

Complete [KYC](/home/onboarding#step-2-complete-kyc) to remove transaction and API limits and unlock all features.

## Step 2: Complete KYC

* Log in to your account and go to **Settings → KYC**.
* Required documents and beneficial owners (UBOs) are shown in the dashboard based on the **business type** you selected during registration.
* Download sample templates from the KYC page where available.
* Upload all required business documents and UBO identity documents.
* Complete any required forms (including ClickPesa Terms and Conditions) with signatures, seal, and witness where stated.
* If prompted, complete **KYC search payment** before your submission is reviewed.

See also the [KYC settings guide](/dashboard/settings/kyc).

<Note>
  ClickPesa is a licensed financial institution. To open an account for your business we are mandated to perform Due Diligence through a KYC (Know Your Customer) process.
</Note>

<Warning>
  **I am not registered / Individual** cannot complete KYC. Register your business (for example as a Sole Proprietor), then email [support@clickpesa.com](mailto:support@clickpesa.com) to request a business type change before submitting documents. Business type changes can only be made by ClickPesa support.
</Warning>

### Document requirements by business type

Requirements below match what the Merchant Dashboard shows for each business type. **(Required)** documents must be uploaded. **(Optional)** documents apply when relevant. Each listed **UBO** requires identity documents (NIDA, Voter's ID, Driving Licence, or Passport).

<AccordionGroup>
  <Accordion title="Limited Company">
    **Business documents**

    1. Extract from register / detailed information of the entity **(Required)** — provided by your registration body
    2. Certificate of Registration **(Required)**
    3. Regulatory License (optional)
    4. Certificate from Tax Revenue Authority (TIN) **(Required)** — TIN should show the business or company name
    5. VAT Certificate (optional, if applicable)
    6. Business Licence Certificate **(Required)** — licence should show the business or company name
    7. Memorandum & Articles of Association **(Required)**
    8. Board Resolution **(Required)** — download the sample template from **Settings → KYC**
    9. ClickPesa Customer Service Level Agreement (Terms and Conditions) **(Required)** — signatures, seal, and witness required

    **Beneficial owners (UBOs)**

    * Authorized Personnel **(Required)**
    * Director **(Required)**
    * Shareholder **(Required)**
  </Accordion>

  <Accordion title="Sole Proprietor">
    **Business documents**

    1. Extract from register / detailed information of the entity **(Required)**
    2. Certificate of Registration **(Required)**
    3. Regulatory License (optional)
    4. Certificate from Tax Revenue Authority (TIN) **(Required)**
    5. VAT Certificate (optional, if applicable)
    6. Business Licence Certificate **(Required)**
    7. Power of Attorney (optional) — if someone other than the sole proprietor opens and operates the account; template available in **Settings → KYC**
    8. ClickPesa Customer Service Level Agreement (Terms and Conditions) **(Required)**

    **Beneficial owners (UBOs)**

    * Authorized Personnel (optional)
    * Business Owner **(Required)**
  </Accordion>

  <Accordion title="Partnership">
    **Business documents**

    1. Extract from register / detailed information of the entity **(Required)**
    2. Certificate of Registration **(Required)**
    3. Regulatory License (optional)
    4. Certificate from Tax Revenue Authority (TIN) **(Required)**
    5. VAT Certificate (optional, if applicable)
    6. Business Licence Certificate **(Required)**
    7. Partnership Deed **(Required)**
    8. Partner Resolution **(Required)** — template available in **Settings → KYC**
    9. ClickPesa Customer Service Level Agreement (Terms and Conditions) **(Required)**

    **Beneficial owners (UBOs)**

    * Authorized Personnel **(Required)**
    * Director **(Required)**
    * Partner **(Required)**
  </Accordion>

  <Accordion title="Trust">
    **Business documents**

    1. Extract from register / detailed information of the entity **(Required)**
    2. Certificate of Registration **(Required)**
    3. Regulatory License (optional)
    4. Certificate from Tax Revenue Authority (TIN) **(Required)**
    5. VAT Certificate (optional, if applicable)
    6. Business Licence Certificate **(Required)**
    7. Trust Deed **(Required)**
    8. Board Resolution **(Required)** — Trust template available in **Settings → KYC**
    9. ClickPesa Customer Service Level Agreement (Terms and Conditions) **(Required)**

    **Beneficial owners (UBOs)**

    * Authorized Personnel **(Required)**
    * Director **(Required)**
    * Trustee **(Required)**
  </Accordion>

  <Accordion title="Cooperatives">
    **Business documents**

    1. Extract from register / detailed information of the entity **(Required)**
    2. Certificate of Registration **(Required)**
    3. Regulatory License (optional)
    4. Certificate from Tax Revenue Authority (TIN) **(Required)**
    5. VAT Certificate (optional, if applicable)
    6. Business Licence Certificate **(Required)**
    7. Cooperatives By laws **(Required)**
    8. List of Cooperative members **(Required)**
    9. Board Resolution **(Required)** — template available in **Settings → KYC**
    10. ClickPesa Customer Service Level Agreement (Terms and Conditions) **(Required)**

    **Beneficial owners (UBOs)**

    * Authorized Personnel **(Required)**
    * Director **(Required)**
  </Accordion>

  <Accordion title="Civil Society Organization / NGO">
    **Business documents**

    1. Extract from register / detailed information of the entity **(Required)**
    2. Certificate of Registration **(Required)**
    3. Regulatory License (optional)
    4. Certificate from Tax Revenue Authority (TIN) **(Required)**
    5. VAT Certificate (optional, if applicable)
    6. Business Licence Certificate **(Required)**
    7. Constitution **(Required)**
    8. Board Resolution **(Required)** — template available in **Settings → KYC**
    9. ClickPesa Customer Service Level Agreement (Terms and Conditions) **(Required)**

    **Beneficial owners (UBOs)**

    * Authorized Personnel **(Required)**
    * Director **(Required)**
    * Founder Member **(Required)**
  </Accordion>

  <Accordion title="Community Management Groups (VICOBA)">
    **Business documents**

    1. Hati Ya Usajili **(Required)**
    2. Barua ya utambulisho wa Serikali ya Mtaa **(Required)**
    3. Katiba Ya Kikundi **(Required)**
    4. Azimio la kufungua akaunti ClickPesa **(Required)** — template available in **Settings → KYC**
    5. VAT Certificate (optional)
    6. Regulatory License (optional)
    7. ClickPesa Customer Service Level Agreement (Terms and Conditions) **(Required)**

    **Beneficial owners (UBOs)**

    * Authorized Personnel **(Required)**
    * Kiongozi wa kikundi (Group leader) **(Required)**
  </Accordion>
</AccordionGroup>

Make sure all documents are current and match your registered business name.

## Step 3: KYC Approval

* Our compliance team will review your submission.
* You’ll receive an email notification once your KYC is **approved or if more information is needed**.
* After approval, **pre-KYC transaction and API limits are removed**, giving you full access to the platform.

## Need Help?

If you have any questions at any stage, feel free to reach out to [compliance@clickpesa.com](mailto:compliance@clickpesa.com) for assistance.