Activating Your Account
How to Activate
You can start making transactions by activating your account. Here’s how:
- Log in to your dashboard
- Click Activate Account on the top left corner
- Fill in the Activation Form
- Once submitted, we’ll verify your details within 1-3 days
Document Requirements
For Indonesian Business 🇲🇨
| Legal Docs | Business Entity (PT, CV, PMA) | Sole Proprietorship (PP) | Foundation (Yayasan) | Cooperation (Koperasi) | Requirement Details |
|---|---|---|---|---|---|
| Owner/Director’s ID Card – Can be substituted by Passport and KITAS/KITAP for PT, CV, and PMA with foreign individual director | ✅ | ✅ | ✅ | ✅ | Full name in ID Card should match the authorized person name |
| Corporate Tax ID Card (NPWP) | ✅ | ✅ | ✅ | ✅ | Corporate name in Tax ID card should match the legal name and detail registered in Xendit |
| Promotional Material/Online store (e.g website, social media)* | ✅ | ✅ | ✅ | ✅ | - Should be live, accessible, & ready to transact - Should match the nature of your business industry category - Should have catalogs of products that are available to purchase via checkout flow |
| Business Identification Number (NIB)** | ✅ | ✅ | ✅ | ✅ | Business name in NIB should match your registered legal business name in Xendit |
| Deed of Latest Change (Akta Pengangkatan Direktur Terakhir) | ✅ | ❌ | ✅ | ✅ | Must be containing the names of Board of Director that are active and authorized by the time of onboarding |
| Decree of The Ministry of Justice and Human Rights of Company's Deed of Latest Change (SK Menkeh atas Akta Pengangkatan Direktur Terakhir) | ✅ | ❌ | ✅ | ✅ | Must be containing the names of Board of Director that are active and authorized by the time of onboarding |
| Foundation License (TDY) | ❌ | ❌ | ✅ | ❌ | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Sole Proprietorship Establishment Statement (Surat Pernyataan Pendirian Perseroan Perorangan) | ❌ | ✅ | ❌ | ❌ | Legal docs state the establishment of the company - Detail entity information must be match with registration data in Xendit |
| Sole Proprietorship Certificate of Registration (Sertifikat Pendaftaran Pendirian Perseroan Perorangan) | ❌ | ✅ | ❌ | ❌ | Certificate as legal proof of the registration - No. AHU and entity name must be clearly state |
| PSE Certificate (Sertifikat Penyelenggara Sistem Elektronik)*** | ❌ | ❌ | ❌ | ✅ | Electronic system provider certificate given by the Ministry of Information and Communication for doing online business |
| Other business-specific license**** | ✅ | ✅ | ✅ | ✅ | Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
* Visit this link for a more detailed guide
** Can be replaced by TDP and SIUP
*** PSE docs might be required if the Cooperation type is KSP (Koperasi Simpan Pinjam). Other entities might possibly require this doc if related to online business.
**** Will be asked depending on your business use case (i.e. if you create and sell your own beauty products, you will need to have a BPOM license). Visit this link for a more detailed guide
Note: After completing the KYC process and going live, the documentation such as the Deed of Establishment (Akta Pendirian) and the Decree of the Deed of Establishment (SK Menkeh atas Akta Pendirian) may be requested by our team for re-verification purposes.
For Philippines Business 🇵🇭
| Legal Docs | Sole Proprietorship | Partnership | Corporation | Requirement Details |
|---|---|---|---|---|
| 1 Primary ID or 2 Secondary IDs (Government Issued)* | ✅ | ✅ | ✅ | Full name in ID Card should be the same with authorized person name and not expired |
| Tax Identification NumberTax Identification Number | ✅ | ✅ | ✅ | The name in the TIN should match the individual name/business name/corporation name |
| BIR 2303 | ✅ | ✅ | ✅ | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Promotional Material/Online store (e.g website, social media)** | ✅ | ✅ | ✅ | - Should be live and accessible - Should match the nature of your business industry category - Should have catalogs of products that are available to purchase via checkout flow |
| Bank Book – Only required for high-risk industry | ✅ | ✅ | ✅ | The name in the bank book should match the individual name/business name/corporation name |
| DTI Registration Document | ✅ | ❌ | ❌ | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| SEC Registration Certificate | ❌ | ✅ | ✅ | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Notarized Partner's Certificate | ❌ | ✅ | ❌ | At least one Managing Partner's name should match the Authorized Person name |
| Articles of Partnership | ❌ | ✅ | ❌ | - Legal business name in the document should match the legal business name in Xendit - Primary purpose of business should match your selected industry sector in Xendit |
| Notarized Secretary's Certificate | ❌ | ✅ | ✅ | - Corp Sec name should match the Corp Sec name in GIS - Authorized Person submitted to Xendit is listed as the authorized person in the certificate |
| Articles of Incorporation | ❌ | ❌ | ✅ | - Legal business name in the document should match the legal business name in Xendit - Primary purpose of business should match your selected industry sector in Xendit |
| Most Recent General Information Sheet (GIS) | ❌ | ❌ | ✅ | - Legal business name in the document should match the legal business name in Xendit - Business address should match the business address in the Articles of Incorporation |
* List of Accepted Government Issued ID
- Primary ID
- Passport
- Driver's License
- SSS/GSIS
- PRC
- Postal ID
- Voter's ID
- UMID
- ACR/Immigrant COR
- PhilSys
- Secondary ID
- AFP ID
- PNP ID
- BPF ID
- PWD ID
- DSWD Certification
- GSIS e-Card
- OFW ID
- Police Clearance
- Seaman's Book
- NBI Clearance
** Visit this link for a more detailed guide
For Malaysia Business 🇲🇾
| Legal Docs | Sole Proprietorship | General / Limited Liability Partnership | Private Limited Company (Sendirian Berhad) | Association | Requirement Details |
|---|---|---|---|---|---|
| Authorized Representative / Director's valid ID | ✅ | ✅ | ✅ | ✅ | Authorized name in the document should match the authorized person's name |
| SSM Certificate of Incorporation/Form D or E | ✅ | ✅ | ✅ | ✅ | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| SSM Search (includes all details of the company) | ✅ | ✅ | ✅ | ✅ | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Notarized Board Resolution / Secretary / Partnership Certificate | ✅ | ✅ | ✅ | ✅ | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Bank Book Scan / Online Banking Screenshot / Bank Statement | ✅ | ✅ | ✅ | ✅ | Bank account name should match the business name |
* List of valid ID
- Malaysia Identification Card
- Passport
- UN High Commissioner for Refugees (UNHCR Card)
- Driver's license
For Thailand Business 🇹🇭
The corporation must have been operating for more than 6 months to be eligible for registration
| Legal Docs | Partnership | Limited Company | Join Venture | Requirement Details |
|---|---|---|---|---|
| Business Registration Certificate | ✅ | ✅ | ✅ | Document should be dated within 6 months from the date of submission |
| List of Shareholders (BOJ 5) | ✅ | ✅ | ✅ | Registered authorized person should be listed as the shareholder |
| Authorized Person’s Passport/ID Card | ✅ | ✅ | ✅ | Authorized name in the document should match the authorized person's name - If person is Thai Nationality or submitting Thai ID Card - If person is non-Thai submitting for a Thai legal entity, request for the person’s Thai Work Permit as well |
| Company Bank Account Details | ✅ | ✅ | ✅ | Bank account name should match the business name |
| Business License | ✅ | ✅ | ✅ | Additonal document for regulated businesses |
Notes:
- All documents must be signed by the authorized director(s) and marked certified true copy with the company seal affixed
- Company seal is only required if it is required as stated in the DBD’s Company Affidavit. Wet signatures and digital signatures that meet the local laws for electronic signatures (e.g. DocuSign) are the only acceptable forms of signatures.
For Vietnam Business 🇻🇳
| Legal Docs | Join Stock Company | Limited Liability Company | Partnership | Private Enterprise | Requirement Details |
|---|---|---|---|---|---|
| Authorized Representative / Director's valid ID | ✅ | ✅ | ✅ | ✅ | Authorized name in the document should match the authorized person's name |
| Tax Report | ✅ | ✅ | ✅ | ✅ | Full name in Tax Report should match the business name |
| Notarized Enterprise Certificate | ✅ | ✅ | ✅ | ✅ | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
* List of valid ID
- National ID
- Passport
- Driver License
For Foreign Business Operating in Indonesia 🇲🇨
INFO
Only Business Entity is allowed to be onboarded as Foreign Business in Indonesia
| Legal Docs | Requirement Details |
|---|---|
| Owner/Director’s Passport | Full name in Passport should match the authorized person name |
| Owner/Director’s Tax ID Card Number* | Full name in Tax ID Card should match the authorized person name |
| Promotional Material/Online store (e.g website, social media) | - Should be live and accessible - Should match the nature of your business industry category - Should have catalogs of products that are available to purchase via checkout flow |
| Business Tax ID Card | Full name in Tax ID Card should match the business name |
| Corporate Registry Documentation | Business name in Corporate Registry Document should match the submitted business name in Xendit |
| Business Incorporation Number | Business name in Business Incorporation Number should match the submitted business name in Xendit |
| Company Deed of Establishment | - Legal business name in the document should match the legal business name in Xendit - Registered authorized person should be listed as the Director |
| Shareholder Information Document | - Legal business name in the document should match the legal business name in Xendit - Registered authorized person should be listed as the shareholder |
| Business License Document (issued by Home Country) | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Other business-specific license** | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
*Visit this link for a more detailed guide
** Will be asked depending on your business (i.e. if you create and sell your own beauty products, you will need to have a BPOM license). Visit this link for a more detailed guide.
For Foreign Business Operating in Philippines 🇵🇭
INFO
Only Business Entity is allowed to be onboarded as Foreign Business in Philippines
Non SEC-Registered Foreign Business
| Legal Docs | Requirement Details |
|---|---|
| Business Registration Number | Full name in Business Registration should match the business name |
| Business Tax ID Card Number | Full name in Tax ID Card should match the business name |
| Promotional Material/Online store (e.g website, social media)* | - Should be live and accessible - Should match the nature of your business industry category - Should have catalogs of products that are available to purchase via checkout flow |
| Bank Book Scan/Mobile Banking Screenshot | Bank account name should match the business name |
| Proof of registration in the country of incorporation | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Passport or Alien Certificate of Registration of Authorized Signatory | Authorized name in the document should match the authorized person's name |
| Memorandum of Association or Constitution | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Document that certifies that authorized signatory has been authorized by corporation to open account with Xendit | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Document that list current directors, officers, stockholders, and ultimate beneficial owners | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Other business-specific license** | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
* Visit this link for a more detailed guide
** Will be asked depending on your business (i.e if you create and sell your own beauty products, you will need to have a specific license from the government)
SEC-Registered Foreign Business
| Legal Docs | Requirement Details |
|---|---|
| Business Registration Number | Full name in Business Registration should match the business name |
| Business Tax ID Card Number | Full name in Tax ID Card should match the business name |
| Promotional Material/Online store (e.g website, social media)* | - Should be live and accessible - Should match the nature of your business industry category - Should have catalogs of products that are available to purchase via checkout flow |
| Bank Book Scan/Mobile Banking Screenshot | Bank account name should match the business name |
| Business License Document | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Passport or Alien Certificate of Registration of Authorized Signatory | Authorized name in the document should match the authorized person's name |
| SEC Registration certificate | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Articles of Incorporation | - Legal business name in the document should match the legal business name in Xendit - Primary purpose of business should match your selected industry sector in Xendit |
| BIR 2303 | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Notarized Secretary's Certificate | - Legal business name in the document should match the legal business name in Xendit - Authorized Person submitted to Xendit is listed as the authorized person in the certificate |
| Articles of Incorporation | - Legal business name in the document should match the legal business name in Xendit - Primary purpose of business should match your selected industry sector in Xendit |
| Most Recent General Information Sheet (GIS) | - Legal business name in the document should match the legal business name in Xendit - Business address should match the business address in the Articles of Incorporation |
| Other business-specific license** | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
* Visit this link for a more detailed guide
** Will be asked depending on your business (i.e if you create and sell your own beauty products, you will need to have a specific license from the government)
For Foreign Business Operating in Malaysia 🇲🇾
INFO
Only Business Entity is allowed to be onboarded as Foreign Business in Malaysia
| Legal Docs | Requirement Details |
|---|---|
| Business Registration Certificate - Registration document with authority supervising corporations in the origin country | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Documentation showing purpose of the corporation, stating the main purpose and business. Document should also include list of incorporators. | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Director’s Passport | Full name in Passport should match the authorized person name |
| Latest Documentation showing list of Directors, Officers, and Beneficial Owners | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Entity Tax Number | Full name in Tax ID Card should match the business name |
| Notarized Secretary's Certificate, Board Resolution or Apostilled Document granting authority to the authorized representative | - Legal business name in the document should match the legal business name in Xendit - Authorized Person submitted to Xendit is listed as the authorized person in the certificate |
| Business License | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Bank Book Scan / Online Banking Screenshot / Bank Statement | Bank account name should match the business name |
For Foreign Business Operating in Thailand 🇹🇭
INFO
Only Business Entity is allowed to be onboarded as Foreign Business in Thailand
The corporation must have been operating for more than 6 months to be eligible for registration
| Legal Docs | Requirement Details |
|---|---|
| Business Registration Certificate | - Document should be dated within 6 months from the date of submission - Example: ACRA, Akta, DTI, etc |
| List of Shareholders | Applicable where the merchant's Business Registration Certificate does not list shareholders |
| Authorized Person’s Passport/ID Card | Authorized name in the document should match the authorized person's name - If person is Thai Nationality or submitting Thai ID Card - If person is non-Thai submitting for a Thai legal entity, request for the person’s Thai Work Permit as well |
| Company Bank Account Details | - Bank account name should match the business name - If foreign bank account, please provide SWIFT code |
| Business License | Additonal document for regulated businesses |
For Foreign Business Operating in Vietnam 🇻🇳
INFO
Only Business Entity is allowed to be onboarded as Foreign Business in Vietnam
| Legal Docs | Requirement Details |
|---|---|
| Authorized Representative / Director's valid ID | Authorized name in the document should match the authorized person's name |
| Notarized enterprise registration | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
| Notarized Business License | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
Account Activation for Non-Incorporated Businesses 🇲🇨
If your business isn’t registered as a legal entity (i.e. PT, CV, Yayasan, etc.), your account may be activated as soon as you submit the activation form.
This means that you can start accepting payments from your customers immediately in Live Mode. However, you won’t be able to use Payouts, Withdrawal, and some other features until we verify your details within 1-3 days. You can see the complete details in the table below.
Feature Availability
Here’s what you can and cannot access when your account is immediately activated.
| Feature / Product | Available Immediately | Available After Verification |
|---|---|---|
| Access dashboard in Live Mode | ✅ | ✅ |
| Enable payment channels | ❌ | ✅ |
| Integrate to Payments API | ✅ | ✅ |
| Integrate to Payouts API | ❌ | ✅ |
| Accept payments via Payment Links* | ✅ | ✅ |
| Accept payments via API* | ✅ | ✅ |
| Send money via Disbursement | ❌ | ✅ |
| Send money via API | ❌ | ✅ |
| Send money via Payouts | ❌ | ✅ |
| Integrate with third-party platform (WooCommerce, Shopify, etc.) | ✅ | ✅ |
| Top up balance | ✅ | ✅ |
| Withdraw balance | ❌ | ✅ |
*Only available using channel BRI VA, Mandiri VA, BNI VA, Permata VA, BJB VA, BSI VA, and BSS VA
Frequently Asked Questions
Can my Xendit account activation be rejected?
Yes, we are assessing your business eligibility based on your website, document submission, and the nature of your business. If your activation request is rejected, we will notify you via email and Whatsapp with the details of the reason. Alternatively, you can reach out to our CS team to find out more.
Can I re-register after my account activation is rejected?
After your account activation got rejected, you may request account deletion to CS in order to re-register. Please note that there is no guarantee your account will be successfully activated when you decide to re-register. The decision is subject to our internal team's assessment of your business.
Can my Xendit account be suspended?
Yes, your account can be suspended if our risk and compliance team found any prohibited activities in your account (including but not limited to fraud, selling your Xendit account, etc). The suspension will apply a money holding period to your remaining balance and withdrawal unable to proceed until it passed the holding period.
I got a notification for the incomplete document submitted related to my account activation, how do I resubmit the document required?
You can directly resubmit the required document via your dashboard through Get Started button/onboarding wizard (upper left side). For more detail please see here
I want to upgrade my account from an individual account to a business account, how do I do that?
You can upgrade your account from an individual account to a business account by contacting your Account Manager/Sales Representative/Customer Success team. Please ensure you've prepared the required document to apply with the entity. See the detailed document requirements here
I input the wrong details/submitted the wrong documents during my activation request, how do I change it?
You can change your details/documents even after your request for activation has been submitted by contacting our CS team. Inform us regarding your request and we will help you.
INFO
Your questions are not listed in the FAQ? Check the Xendit Help Guide for further information.
Last Updated on 2025-04-22
- How to Activate
- Document Requirements
- For Indonesian Business 🇲🇨
- For Philippines Business 🇵🇭
- For Malaysia Business 🇲🇾
- For Thailand Business 🇹🇭
- For Vietnam Business 🇻🇳
- For Foreign Business Operating in Indonesia 🇲🇨
- For Foreign Business Operating in Philippines 🇵🇭
- For Foreign Business Operating in Malaysia 🇲🇾
- For Foreign Business Operating in Thailand 🇹🇭
- For Foreign Business Operating in Vietnam 🇻🇳
- For Indonesian Business 🇲🇨
- Account Activation for Non-Incorporated Businesses 🇲🇨
- Frequently Asked Questions