Verify sub-accounts

Depending on the sub-account type you selected, your merchants may need to be verified before the sub-account can start accepting payments.

	Owned Accounts	Managed Accounts
Use Case	Your own business	3rd party merchants
Verification Required	No*	Yes
Submission Methods	The Platform may submit sub-merchants’ verification information via API	You can invite your merchants to sign up and submit their information for verification. Note that you may invite your own users to submit on the merchants’ behalf.

*There are some cases when you may use Owned sub-accounts to represent 3rd party merchants and need to verify your sub-accounts. The conditions are explained below.

Owned sub-account verification

Even if you are creating Owned sub-accounts, you may be required to verify your sub-accounts in either one or both of the following scenarios:

You are a Payment Service Provider (reseller)
- This means that you onboard non-affiliated Partner accounts to Xendit and provide them with access to money-in and/or money out payment flows
- Example: PoS systems, Payment Resellers
You would like to activate a payment channel that requires an additional verification for your sub-account
- Some channels that require verification are Credit Cards and GCash (PH). Refer to this page for a complete list of requirements per channel.

If either of these cases apply to you, here is a guide you can follow to submit verification information for your sub-accounts.