Activating Your Account

How to Activate

You can start making transactions by activating your account. Here’s how:

  1. Log in to your dashboard
  2. Click Activate Account on the top left corner
  3. Fill in the Activation Form
  4. Once submitted, we’ll verify your details within 1-3 days

Document Requirements

For Indonesian Business πŸ‡²πŸ‡¨

Legal DocsIndividualBusiness Entity (PT, CV, PMA)Sole Proprietorship (PP)Foundation (Yayasan)Cooperation (Koperasi)Requirement Details
Owner/Director’s ID Card – Can be substituted by Passport for PT, CV, and PMAβœ…βœ…βœ…βœ…βœ…Full name in ID Card should match the authorized person name
Owner/Director's Selfie Pictureβœ…βŒ ❌ ❌ ❌ The face in the selfie picture should match the face in the Owner’s ID Card
Corporate Tax ID Card (NPWP)❌ βœ…βœ…βœ…βœ…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)*βœ…βœ…βœ…βœ… βœ…- 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)**❌ βœ…βœ…βœ… βœ…Business name in NIB should match your registered legal business name in Xendit
Deed of Latest Change (Akta Pengangkatan Direktur Terakhir)❌ βœ…βŒ βœ… βœ…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)❌ βœ…βŒ βœ… βœ…Must be containing the names of Board of Director that are active and authorized by the time of onboarding
Foundation License (TDY)❌ ❌ ❌ βœ… ❌ - 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)❌ ❌ βœ… ❌ ❌ 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)❌ ❌ βœ… ❌ ❌ Certificate as legal proof of the registration - No. AHU and entity name must be clearly state
PSE Certificate (Sertifikat Penyelenggara Sistem Elektronik)***❌ ❌ ❌ ❌ βœ…Electronic system provider certificate given by the Ministry of Information and Communication for doing online business
Other business-specific license**** ❌ βœ…βœ…βœ… βœ…Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired)

* Visit thisΒ linkΒ for a more detailed guide

**Β 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.

****Β 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 πŸ‡΅πŸ‡­

Legal DocsIndividualSole ProprietorshipPartnershipCorporationRequirement Details
1 Primary ID or 2 Secondary IDs (Government Issued)*βœ…βœ…βœ…βœ…Full name in ID Card should be the same with authorized person name and not expired
Tax Identification NumberTax Identification Numberβœ…βœ…βœ…βœ…The name in the TIN should match the individual name/business name/corporation name
BIR 2303βŒβœ…βœ…βœ…- 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)**βœ…βœ…βœ…βœ…- 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 industryβœ…βœ…βœ…βœ…The name in the bank book should match the individual name/business name/corporation name
DTI Registration DocumentβŒβœ…βŒβŒ- Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired)
SEC Registration CertificateβŒβŒβœ…βœ…- Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired)
Notarized Partner's CertificateβŒβŒβœ…βŒAt least one Managing Partner's name should match the Authorized Person name
Articles of PartnershipβŒβŒβœ…βŒ- 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 CertificateβŒβŒβœ…βœ…- 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 IncorporationβŒβŒβŒβœ…- 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)βŒβŒβŒβœ…- 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

*Β 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 πŸ‡²πŸ‡Ύ

Legal DocsSole ProprietorshipGeneral / Limited Liability PartnershipPrivate Limited Company (Sendirian Berhad)AssociationRequirement Details
Authorized Representative / Director's valid IDβœ…βœ…βœ…βœ…Authorized name in the document should match the authorized person's name
SSM Certificate of Incorporation/Form D or Eβœ…βœ…βœ…βœ…- 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)βœ…βœ…βœ…βœ…- 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 Certificateβœ…βœ…βœ…βœ…- 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 Statementβœ…βœ…βœ…βœ…Bank account name should match the business name

*Β List of valid ID

  • Malaysia Identification Card
  • Passport
  • UN High Commissioner for Refugees (UNHCR Card)
  • Driver's license

For Vietnam Business πŸ‡»πŸ‡³

Legal DocsJoin Stock CompanyLimited Liability CompanyPartnershipPrivate EnterpriseRequirement Details
Authorized Representative / Director's valid IDβœ…βœ…βœ…βœ…Authorized name in the document should match the authorized person's name
Tax Reportβœ…βœ…βœ…βœ…Full name in Tax Report should match the business name
Notarized Enterprise Certificateβœ…βœ…βœ…βœ…- Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired)

*Β List of valid ID

  • National ID
  • Passport
  • Driver License

For Foreign Business Operating in Indonesia πŸ‡²πŸ‡¨

INFO

Only Business Entity is allowed to be onboarded as Foreign Business in Indonesia

Legal DocsRequirement Details
Owner/Director’s PassportFull 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 CardFull name in Tax ID Card should match the business name
Corporate Registry DocumentationBusiness name in Corporate Registry Document should match the submitted business name in Xendit
Business Incorporation NumberBusiness 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

**Β 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 πŸ‡΅πŸ‡­

INFO

Only Business Entity is allowed to be onboarded as Foreign Business in Philippines

Non SEC-Registered Foreign Business

Legal DocsRequirement Details
Business Registration NumberFull name in Business Registration should match the business name
Business Tax ID Card NumberFull 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 ScreenshotBank 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 SignatoryAuthorized 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

**Β 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 DocsRequirement Details
Business Registration NumberFull name in Business Registration should match the business name
Business Tax ID Card NumberFull 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 ScreenshotBank 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 SignatoryAuthorized 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

**Β 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 πŸ‡²πŸ‡Ύ

INFO

Only Business Entity is allowed to be onboarded as Foreign Business in Malaysia

Legal DocsRequirement 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 PassportFull 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 NumberFull 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 StatementBank account name should match the business name

For Foreign Business Operating in Vietnam πŸ‡»πŸ‡³

INFO

Only Business Entity is allowed to be onboarded as Foreign Business in Vietnam

Legal DocsRequirement Details
Authorized Representative / Director's valid IDAuthorized 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 πŸ‡²πŸ‡¨

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 / ProductAvailable ImmediatelyAvailable After Verification
Access dashboard in Live Modeβœ…βœ…
Enable payment channelsβŒβœ…
Integrate to Payments APIβœ…βœ…
Integrate to Payouts APIβŒβœ…
Accept payments via Payment Links*βœ…βœ…
Accept payments via API*βœ…βœ…
Send money via DisbursementβŒβœ…
Send money via APIβŒβœ…
Send money via PayoutsβŒβœ…
Integrate with third-party platform (WooCommerce, Shopify, etc.)βœ…βœ…
Top up balanceβœ…βœ…
Withdraw balanceβŒβœ…

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

Money Holding Policy

In cases where further verification is unsuccessful, your account will be temporarily deactivated for security reasons. This means that during this period, we will hold your existing balance. You can request to retrieve your balance based on the following:

  • If your balance amounts to IDR 10,000,000 or less and there are no complaints/allegations about fraudulent activities in your account, we will return it to you after 15 days.
  • If your balance is between IDR 10,000,000 and IDR 50,000,000 and there are no complaints/allegations about fraudulent activities in your account, we will return it to you after 30 days.
  • If your balance is between IDR 50,000,000 and IDR 100,000,000 and there are no complaints/allegations about fraudulent activities in your account, we will return it to you after 60 days.
  • If your balance is IDR 100,000,000 or above and there are no complaints/allegations about fraudulent activities in your account, we will return it to you after 90 days.

We’ll notify you via email once your balance is ready to be transferred to you. Please reply to that email with your bank account details so that we can process it immediately. The transfer can take up to 3 working days.

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 2024-01-12