/DevelopersPayment gateways require identity and business verification before live production access. Test mode works immediately; live keys unlock after approval.
Test first, verify for live
Test API keys (tp_test_…) are available as soon as you create an account. Live keys (tp_live_…) require an approved verification package.
TowanPay connects to regulated payment networks (e.g. WeChat Pay, Alipay, Stripe, Paystack, and others). We must confirm your business identity, ownership, and compliance status before enabling live money movement — the same standard used by Stripe Connect, Adyen, and other payment platforms.
Verification protects your customers, reduces fraud, and ensures payouts reach the correct legal entity.
Upload clear, legible scans or photos. Accepted: preferred for multi-page certificates. Images: PNG, JPG, or WEBP. Maximum file size: 10 MB per document.
Official proof your business is legally registered with a government authority.
What to upload
Certificate of incorporation, business registration extract, or equivalent document showing legal entity name, registration number, and jurisdiction. Full document preferred — all pages if multi-page.
Accepted formats: PNG, JPG, WEBP, or PDF · max 10 MB
Photo ID for a director, owner, or authorized signatory who controls the account.
What to upload
Passport, national ID card, or driver's license. Name must match the business owner or authorized representative. You may redact document numbers not required for verification — keep name, photo, and expiry visible.
Accepted formats: PNG, JPG, WEBP, or PDF · max 10 MB
Industry or local operating license when your business type requires one.
What to upload
Current business or trade license issued by a regulator (e.g. food service, financial services, retail permit). Skip if your jurisdiction does not require a separate license beyond registration.
Required only when your industry or region mandates a separate operating license.
Accepted formats: PNG, JPG, WEBP, or PDF · max 10 MB
Optional document confirming a business bank account for faster payout review.
What to upload
Recent bank statement or void cheque showing business name and account details. Redact transaction history if you prefer — account holder name and bank name should remain visible.
Optional — speeds up payout setup but not required for initial approval.
Accepted formats: PNG, JPG, WEBP, or PDF · max 10 MB
Any additional document that helps reviewers understand your business.
What to upload
Tax registration letter, proof of address, partnership agreement, or other compliance document. Add context in the Notes field when submitting.
Accepted formats: PNG, JPG, WEBP, or PDF · max 10 MB
By submitting verification you accept the TowanPay Merchant Agreement and confirm that all information provided is accurate. You are authorizing TowanPay to review your documents for compliance purposes and to contact you if additional information is needed.
Read the full agreement at /terms.
While you wait
Upload documents and track review status in your dashboard.