Account Activation and Document Requirements

Activate Your Account

To start transacting live, you will need to activate your account. Follow these 3 simple steps to activate your account:

1. Go to the Get Started section in your Xendit home page
2. Complete all the steps one-by-one from Explore Xendit to Documents
3. Wait 1-3 business days and we will email you once your account has been activated*

Note:

• If the businesses are individuals in a low risk industry from Indonesia, there is a possibility to get instant activation before the KYC (verification) is done with certain limitations applied.

Document Requirements

For Indonesian Business 🇲🇨

Legal Docs	Individual	Business Entity/Sole Proprietorship	Foundation	Requirement Details
Owner/Director’s ID Card Can be substituted by Passport for PT, CV, and PMA	✅	✅	✅	Full name in ID Card should match the authorized person name
Owner’s Selfie Picture	✅	❌	❌	The face in the selfie picture should match the face in the Owner’s ID Card
Owner/Director’s Tax ID Card (NPWP)	❌	✅	✅	Full name in Tax ID card should match the authorized person name This requirement is optional for individual business
Promotional Material/Online store (e.g website, social media)	✅	✅	✅	1. Should be live and accessible 2. Should match the nature of your business industry category 3. Should have catalogs of products that are available to purchase via checkout flow Visit this link for more detailed guide
Business Identification Number (NIB)*	❌	✅	✅	Business name in NIB should match your registered legal business name in Xendit
Deed of Establishment (Akta Pendirian Perusahaan) Can be substituted by Sole Proprietorship Establishment Statement (Pernyataan Pendirian Perseroan Perorangan)	❌	✅	✅	1. Legal business name in the document should match the legal business name in Xendit 2. Registered authorized person should be listed as the Director 3. Issuing date should match the issuing date of Ministerial Ratification
All Deed of Change documents (Akta Perubahan Perusahaan)	❌	✅	✅	1. Legal business name in the document should match the legal business name in Xendit 2. Registered authorized person should be listed as the Director 3. Issuing date should match the issuing date of Ministerial Ratification
Ministerial Ratification (SK Menkeh) Can be substituted by Sole Proprietorship Registration Certificate (Sertifikat Pendaftaran Pendirian Perseroan Perorangan)	❌	✅	✅	1. Legal business name in the document should match the legal business name in Xendit 2. Issuing date should match the issuing date of Deed of Latest Change
Foundation License (TDY)	❌	❌	✅	1. Legal business name in the document should match the legal business name in Xendit 2. Document should be active (not expired)
Other business-specific license**	❌	✅	✅	1. Legal business name in the document should match the legal business name in Xendit 2. Document should be active (not expired) Visit this link for more detailed guide

* Can be replaced by TDP and SIUP

** 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)

For Philippines Business 🇵🇭

Legal Docs	Individual	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 Number	✅	✅	✅	✅	The name in the TIN should match the individual name/business name/corporation name
Promotional Material/Online store (e.g website, social media)	✅	✅	✅	✅	1. Should be live and accessible 2. Should match the nature of your business industry category 3. Should have catalogs of products that are available to purchase via checkout flow Visit this link for more detailed guide
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	❌	✅	❌	❌	1. Legal business name in the document should match the legal business name in Xendit 2. Document should be active (not expired)
SEC Registration Certificate	❌	❌	✅	✅	1. Legal business name in the document should match the legal business name in Xendit 2. 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	❌	❌	✅	❌	1. Legal business name in the document should match the legal business name in Xendit 2. Primary purpose of business should match your selected industry sector in Xendit
Notarized Secretary's Certificate	❌	❌	✅	✅	1. Corp Sec name should match the Corp Sec name in GIS 2. Authorized Person submitted to Xendit is listed as the authorized person in the certificate
Articles of Incorporation	❌	❌	❌	✅	1. Legal business name in the document should match the legal business name in Xendit 2. Primary purpose of business should match your selected industry sector in Xendit
Most Recent General Information Sheet (GIS)	❌	❌	❌	✅	1. Legal business name in the document should match the legal business name in Xendit 2. Business address should match the business address in the Articles of Incorporation

* List of Accepted Government Issued ID

1. Primary ID
   • Passport
   • Driver's License
   • SSS/GSIS
   • PRC
   • Postal ID
   • Voter's ID
   • UMID
   • ACR/Immigrant COR
   • PhilSys
2. Secondary ID
   • AFP ID
   • PNP ID
   • BPF ID
   • PWD ID
   • DSWD Certification
   • GSIS e-Card
   • OFW ID
   • Police Clearance
   • Seaman's Book

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)	1. Should be live and accessible 2. Should match the nature of your business industry category 3. Should have catalogs of products that are available to purchase via checkout flow Visit this link for more detailed guide
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	1. Legal business name in the document should match the legal business name in Xendit 2. Registered authorized person should be listed as the Director
Shareholder Information Document	1. Legal business name in the document should match the legal business name in Xendit 2. Registered authorized person should be listed as the shareholder
Business License Document (issued by Home Country)	1. Legal business name in the document should match the legal business name in Xendit 2. Document should be active (not expired)
Other business-specific license*	1. Legal business name in the document should match the legal business name in Xendit 2. Document should be active (not expired) Visit this link for 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)

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)	1. Should be live and accessible 2. Should match the nature of your business industry category 3. Should have catalogs of products that are available to purchase via checkout flow Visit this link for more detailed guide
Bank Book Scan/Mobile Banking Screenshot	Bank account name should match the business name
Proof of registration in the country of incorporation	1. Legal business name in the document should match the legal business name in Xendit 2. 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	1. Legal business name in the document should match the legal business name in Xendit 2. Document should be active (not expired)
Document that certifies that authorized signatory has been authorized by corporation to open account with Xendit	1. Authorized person's name in the document should match the authorized person's name in Xendit 2. Document should be active (not expired)
Document that list current directors, officers, stockholders, and ultimate beneficial owners	1. Legal business name in the document should match the legal business name in Xendit Document should be active (not expired)
Other business-specific license*	1. Legal business name in the document should match the legal business name in Xendit 2. Document should be active (not expired)

* 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)	1. Should be live and accessible 2. Should match the nature of your business industry category 3. Should have catalogs of products that are available to purchase via checkout flow Visit this link for more detailed guide
Bank Book Scan/Mobile Banking Screenshot	Bank account name should match the business name
Business License Document	1. Legal business name in the document should match the legal business name in Xendit 2. 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	1. Legal business name in the document should match the legal business name in Xendit 2. Document should be active (not expired)
Articles of Incorporation	1. Legal business name in the document should match the legal business name in Xendit 2. Primary purpose of business should match your selected industry sector in Xendit
BIR 2303	1. Legal business name in the document should match the legal business name in Xendit Document should be active (not expired)
Notarized Secretary's Certificate	1. Corp Sec name should match the Corp Sec name in GIS 2. Authorized Person submitted to Xendit is listed as the authorized person in the certificate
Articles of Incorporation	1. Legal business name in the document should match the legal business name in Xendit 2. Primary purpose of business should match your selected industry sector in Xendit
Most Recent General Information Sheet (GIS)	1. Legal business name in the document should match the legal business name in Xendit 2. Business address should match the business address in the Articles of Incorporation
Other business-specific license*	1. Legal business name in the document should match the legal business name in Xendit 2. Document should be active (not expired)

* 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)

Live Through Instant Activation 🇲🇨

An individual business in a low risk industry from Indonesia might possibly get an instant activation based on the initial assessment of the account.

What is Instant Activation (IA)?

Instant Activation (IA) is an accelerated feature that allows a new account to live immediately after activation or before the KYC (verification) process is complete.

Normally, the account will only be used for transactions after completing KYC (verification) within 1-3 days since the account activation was submitted. By getting Instant Activation, the account able to be used for transaction after activation was submitted.

Features and Product Availability for Instant Activation

There are certain limitations on features and products when the account activates using Instant Activation flow. However, these limitations will be lifted once Xendit finishes the KYC (verification) process that may take up to 1-3 days (starting from when your account is Live).

Features and Products	Available Immediately (Instant Activation)	Available After KYC (Fully Live)
Accessing dashboard in Live mode	✅	✅
Activate additional payment channels	❌	✅
Create Money In API	✅	✅
Create Money Out API	❌	✅
Accepting payments via Invoice*	✅	✅
Accepting payments via API*	✅	✅
Sending money via Disbursement	❌	✅
Sending money via API	❌	✅
Sending money via Payouts	❌	✅
Setting up integration with third-party platform (WooCommerce, Shopify, etc)	✅	✅
Balance top-up	✅	✅
Balance withdrawal	❌	✅

*only available using channel BRI VA, Mandiri VA, BNI VA, Permata VA, BJB VA, BSI VA, and BSS VA

Money Holding Rules

If we found that your account failed to pass business due diligence after being instantly activated, we will suspend your account and hold your available balance. We allow you to request balance retrieval based on the following rules:

• If your account balance is below IDR 10,000,000 or equivalent, we will release the balance immediately after 15 days and if we receive no complaints/allegations about fraudulent activities in your account;
• If your account balance is between IDR 10,000,000,- to IDR 50,000,000,- or equivalent, Xendit will release the funds after 30 days and if we receive no complaints/allegations about fraudulent activities in your account;
• If your account balance is between IDR 50,000,000,- to IDR 100,000,000,- or equivalent, Xendit will release the funds after 60 days and if we receive no complaints/allegations about fraudulent activities in your account;
• If your account balance is above IDR 100,000,000,- or equivalent, Xendit will release the funds after 90 days and if we receive no complaints/allegations about fraudulent activities in your account.

Once your account has passed the money holding period and we receive no complaints/allegations about fraudulent activities in your account, we will send you an email notifying you that your balance is ready to be disbursed to your bank account. Please reply to the email that we sent with all the details we need to transfer your balance and your request will be processed in approximately 3 working days (starting from when we have received all the bank account information).

Frequently Asked Questions

No	Questions	Answer
1	Can my Xendit account activation be rejected?	Yes, we are assessing your business eligibility based on your website, documents submission, and 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.
2	Can i re-register after my account activation is rejected?	After your account activation got rejected, you may request for 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 assessment of your business.
3	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.
4	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
5	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 business account by contacting your Account Manager/Sales Representative/Customer Success team. Please ensure you've prepared the required document to apply with entity. See the detail document requirements here
6	I input wrong details/submitted 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.

Note:

• Your questions are not listed in the FAQ? Check the Xendit Help Guide for further information.