KYC Requirements as per M-PESA

  1. Copy of business owner(s) and contact person(s) operating the account document.
    • Identification Document (Kebele, Driving License, Passport, National ID) 
    • Phone number
    • Email(optional) 
  2. Copy of Renewed (valid) Business license. 
  3. Taxpayers’ Identification Number (TIN)
  4. Nominated number (Safaricom line)
  5. Bank account information (bank cheque/bank book) 
  6. (Bank name, branch, account name, account number) (except micro merchant) 
  7. VAT Certificate where applicable 

  1. Copy of business owner(s) and contact person(s) operating the account document.
    • Identification Document (Kebele, Driving License, Passport, National ID) 
    • Phone number 
    • Email(optional) 
  2.  Copy of Renewed (valid) Business license.
  3.  Copy of Taxpayers’ Identification Number (TIN)
  4.  Nominated number (Safaricom line) 
  5. Bank account information (bank cheque/bank book)
  6.  (Bank name, branch, account name, account number)
  7.  Copy of Memorandum and Articles of Association
  8.  VAT Certificate where applicable 

  1.  Copy of identification document of the person procuring the service 
    • Identification Document (Kebele, Driving License, Passport, National ID) 
    • Phone number 
    • Email(optional) 
  2.  A letter that includes the name of the organization and is duly signed with a corporate stamp or seal by the managing director or the person who is responsible for the day-to-day management of the statutory body.
  3. Bank account information (bank book/cheque) 
  4. Copy of Taxpayers’ Identification Number (TIN); if applicable
  5. Certificate of incorporation; if applicable 
  6. VAT Certificate applicable 
  7. Regulation registration number forming the entity. 
  8. Public enterprise/Govt owned e.g., Ethiopian airlines/banks have - Business license. 

  1.  Copy of identification document of the person procuring the service.
  2.  A letter that includes the name of the organization and is duly signed with a corporate stamp or seal by the managing director or the person who is responsible for the day-to-day management of the statutory body. 
  3. Bank account information (bank book/cheque) 
  4. Nominated number (Safaricom line) 
  5. Copy of Taxpayers’ Identification Number (TIN); if applicable 
  6. Certificate of incorporation; if applicable
  7. VAT Certificate applicable
  8. License by civil society authority CSO
  9.  Special condition business-actual business license 

  1.  Copy of business owner(s) and contact person(s) operating the account document. 
    • Govt recognized ID (Kebele, Driving License, Passport, National ID)
    • Phone number 
    • Email(optional) 
  2.  Copy of Renewed (valid) Business license
  3. Copy of Memorandum and Articles of Association 
  4. Bank account information (bank book/cheque) 
  5. Copy of Taxpayers’ Identification Number (TIN) 
  6. AML Questionnaire
  7. VAT Certificate
  8. Nominated numbers, where applicable. 

  1.  Requirements for both Commercial entities and Businesses
  2.  Commercial Certificate 
  3. Certificate Of Competency- from National Lottery 
  4. Copy of business owner(s) and contact person(s) operating the account document 
    • Government recognized ID (Kebele, Driving License, Passport, National ID)
    • Phone number 
    • Email(optional) 
  5. Copy of identification document of the business owner(s) and contact person(s) operating the account.
  6. Copy of Renewed (valid) Business license
  7. Copy of Memorandum and Articles of Association 
  8. Bank account information (bank book/cheque)
  9. Copy of Taxpayers’ Identification Number (TIN) 
  10. Valid permit for undertaking the lottery activity. 
  11. ✓ AML Questionnaire 
  12. ✓ Risk management framework including but not limited to risks such as operational, technology, communication, cyber security, third party, liquidity, reputational and legal 
  13. VAT Certificate; if applicable 
  14. Nominated number where applicable 

  1. Certified Incorporation documents issued by relevant Government Agency
  2. Company Memorandum and Articles of Association /Relevant Entity Constitution document 
  3. Forms from the company registrar showing the list of shareholders (ownership structure) 
  4. Full year Audited Financial Statements (where entity is >18 months old); OR Un-Audited Financial Statements (where entity is >12 months old but <18 months old); OR 12 months cash flow forecasts for new entities/ certified 12 months statement of account. 
  5. The full names, identity or passport number and address of the natural persons managing, controlling, or owning the entity. 
  6. Valid Copy of Identification of officer executing agreement. (Phone no & email) 
  7. A Certified Copy of the Board resolution authorizing acquisition of service/partnership. The resolution should be signed in accordance with the entity’s memorandum and articles of association.
  8. Certified True Copies Identification Card / National Passport of Stakeholders and Authorized Signatories
  9. Company and Owners/ Shareholders and Authorized Signatories Tax Compliance Certificate 
  10. License to provide money transfer service or proof that a license is not required.
  11. List of Own Locations
  12. List of corridors/countries of operation 
  13. List of Agents/3rd Parties with ownership information
  14. Third Party Pay-out Location Information for Agents (if Applicable) 
  15. AML Compliance Manual (Policy) and procedures (KYC, Training, Screening, Monitoring, and reporting etc.) 
  16. Copy of Data protection policy 
  17. FATCA documents (for entities with US indicia) 
  18. Transactions Limits and Requirements for processing payments 
  19. Remittance process flow
  20. KYC related to 3rd Parties Onboarding Procedures (If Applicable)
  21. Evidence of registration with a Financial Intelligence Unit