Activating Your Account
How to Activate
You can start making transactions by activating your account. Hereβs how:
- Log in to your dashboard
- Click Activate Account on the top left corner
- Fill in the Activation Form
- Once submitted, weβll verify your details within 1-3 days
Note:
- If the businesses are individuals in a low-risk industry from Indonesia, there is a possibility to get activated directly before the KYC (verification) is done with certain limitations applied.

Document Requirements
For Indonesian Business π²π¨
Legal Docs | Individual | Business Entity (PT, CV, PMA) | Sole Proprietorship (PP) | Foundation (Yayasan) | Cooperation (Koperasi) | Requirement Details |
---|---|---|---|---|---|---|
Owner/Directorβs ID Card β Can be substituted by Passport for PT, CV, and PMA | β | β | β | β | β | Full name in ID Card should match the authorized person name |
Owner/Director's Selfie Picture | β | β | β | β | β | The face in the selfie picture should match the face in the Ownerβs ID Card |
Corporate Tax ID Card (NPWP) | β | β | β | β | β | 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)* | β | β | β | β | β | - 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)** | β | β | β | β | β | Business name in NIB should match your registered legal business name in Xendit |
Deed of Latest Change (Akta Pengangkatan Direktur Terakhir) | β | β | β | β | β | 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) | β | β | β | β | β | Must be containing the names of Board of Director that are active and authorized by the time of onboarding |
Foundation License (TDY) | β | β | β | β | β | - 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) | β | β | β | β | β | 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) | β | β | β | β | β | Certificate as legal proof of the registration - No. AHU and entity name must be clearly state |
PSE Certificate (Sertifikat Penyelenggara Sistem Elektronik)*** | β | β | β | β | β | Electronic system provider certificate given by the Ministry of Information and Communication for doing online business |
Other business-specific license**** | β | β | β | β | β | 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 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 π΅π
Legal Docs | Individual | Sole Proprietorship | Partnership | Corporation | Requirement Details |
---|---|---|---|---|---|
1 Primary ID or 2 Secondary IDs (Government Issued)* | β | β | β | β | Full name in ID Card should be the same with authorized person name and not expired |
Tax Identification NumberTax Identification Number | β | β | β | β | The name in the TIN should match the individual name/business name/corporation name |
BIR 2303 | β | β | β | β | - 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)** | β | β | β | β | - 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 β Only required for high-risk industry | β | β | β | β | The name in the bank book should match the individual name/business name/corporation name |
DTI Registration Document | β | β | β | β | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
SEC Registration Certificate | β | β | β | β | - Legal business name in the document should match the legal business name in Xendit - Document should be active (not expired) |
Notarized Partner's Certificate | β | β | β | β | At least one Managing Partner's name should match the Authorized Person name |
Articles of Partnership | β | β | β | β | - 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 | β | β | β | β | - 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 | β | β | β | β | - 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 | β | β | β | - 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 Foreign Business Operating in Indonesia π²π¨
INFO
Only Business Entity is allowed to be onboarded as Foreign Business in Indonesia
Legal Docs | Requirement Details |
---|---|
Owner/Directorβs Passport | Full name in Passport should match the authorized person name |
Owner/Directorβs 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
**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 π΅π
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
**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 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
**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)
Account Activation for Non-Incorporated Businesses π²π¨
If your business isnβt 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 wonβt 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
Hereβs what you can and cannot access when your account is immediately activated.
Feature / Product | Available Immediately | Available After Verification |
---|---|---|
Access dashboard in Live Mode | β | β |
Enable payment channels | β | β |
Integrate to Payments API | β | β |
Integrate to Payouts API | β | β |
Accept payments via Payment Links* | β | β |
Accept payments via API* | β | β |
Send money via Disbursement | β | β |
Send money via API | β | β |
Send money via Payouts | β | β |
Integrate with third-party platform (WooCommerce, Shopify, etc.) | β | β |
Top up balance | β | β |
Withdraw balance | β | β |
*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.
Weβll 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 2023-12-11