Account activation & KYC

What documents are required to activate your account for live payments, how the verification process works, and what to do while waiting.

10 min read

In sandbox, you integrate freely with pk_test.… / sk_test.… keys without moving real money. To collect real payments, your account must be verified (KYC) and activated.

What's required

Complete the verification in Dashboard → Compliance. The required documents depend on your business type:

Business registrationrequiredoptional

Certificate of incorporation, trade register extract, or equivalent — less than 3 years old.

Tax identification numberrequiredoptional

Tax ID issued by your local tax authority (e.g. NIU for Cameroon, NIF for CI/SN).

Proof of addressrequiredoptional

Utility bill, bank statement, or official letter — less than 3 months old, in the business name.

Legal representative IDrequiredoptional

National ID, passport, or residence permit for the director and beneficial owners (≥25% shareholding).

Settlement accountrequiredoptional

Mobile Money wallet or bank account where your earnings will be settled.

Business descriptionrequiredoptional

Description of your activity, expected transaction volumes, and customer profile (anti-money laundering).

Website or app URLrequired for e-commerceoptional

A live URL where your product or service is accessible. Placeholder sites are not accepted.

Verification process

Submit documents in Dashboard → Compliance.
Review — the Wajub compliance team reviews your submission. This typically takes 1–3 business days.
Follow-up — if additional information is needed, you'll receive an email with specific requests.
Activation — once approved, your live keys (pk.… and sk.…) become available in Dashboard → Developers → API Keys.

You can keep building during review

Your sandbox integration continues working while your account is under review. Use this time to complete your integration, test edge cases, and prepare for the Go Live checklist.

Common rejection reasons

Reason	Fix
Document expired (>3 years for registration, >3 months for address proof)	Submit a current document
Document not in the business name	Use documents matching your registered business name
Website not live or inaccessible	Publish a live site before resubmitting
Business description too vague	Be specific: describe your product, average transaction size, and customer type
Missing beneficial owner IDs	Submit IDs for all owners with ≥25% shareholding

After activation

Your live keys appear in Dashboard → Developers → API Keys.
Replace pk_test.… / sk_test.… with pk.… / sk.… in your environment variables.
Update your webhook endpoints to point to production URLs.
Run a first real transaction of 100 XAF to confirm the end-to-end flow.

See Go Live for the complete pre-production checklist.

Acceptable use policy

Wajub may not be used for:

Prohibited goods or services (weapons, illegal substances, gambling without license)
Activities violating local laws in the countries where you operate
Misleading or deceptive business practices

A full acceptable use policy is available in your Dashboard under Compliance → Policy.

Go Live — complete checklistIntegration validation and production switchover.Compliance & SecurityPCI-DSS, data protection, African regulatory framework.Environments & keysSandbox vs production key formats.

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What's required

Complete the verification in Dashboard → Compliance. The required documents depend on your business type:

Business registrationrequiredoptional

Certificate of incorporation, trade register extract, or equivalent — less than 3 years old.

Tax identification numberrequiredoptional

Tax ID issued by your local tax authority (e.g. NIU for Cameroon, NIF for CI/SN).

Proof of addressrequiredoptional

Utility bill, bank statement, or official letter — less than 3 months old, in the business name.

Legal representative IDrequiredoptional

National ID, passport, or residence permit for the director and beneficial owners (≥25% shareholding).

Settlement accountrequiredoptional

Mobile Money wallet or bank account where your earnings will be settled.

Business descriptionrequiredoptional

Description of your activity, expected transaction volumes, and customer profile (anti-money laundering).

Website or app URLrequired for e-commerceoptional

A live URL where your product or service is accessible. Placeholder sites are not accepted.

Verification process

Submit documents in Dashboard → Compliance.

Review — the Wajub compliance team reviews your submission. This typically takes 1–3 business days.

Follow-up — if additional information is needed, you'll receive an email with specific requests.

Activation — once approved, your live keys (pk.… and sk.…) become available in Dashboard → Developers → API Keys.

You can keep building during review

Your sandbox integration continues working while your account is under review. Use this time to complete your integration, test edge cases, and prepare for the Go Live checklist.

Common rejection reasons

Reason	Fix
Document expired (>3 years for registration, >3 months for address proof)	Submit a current document
Document not in the business name	Use documents matching your registered business name
Website not live or inaccessible	Publish a live site before resubmitting
Business description too vague	Be specific: describe your product, average transaction size, and customer type
Missing beneficial owner IDs	Submit IDs for all owners with ≥25% shareholding

After activation

Your live keys appear in Dashboard → Developers → API Keys.

Replace pk_test.… / sk_test.… with pk.… / sk.… in your environment variables.

Update your webhook endpoints to point to production URLs.

Run a first real transaction of 100 XAF to confirm the end-to-end flow.

See Go Live for the complete pre-production checklist.

Acceptable use policy

Wajub may not be used for:

Prohibited goods or services (weapons, illegal substances, gambling without license)

Activities violating local laws in the countries where you operate

Misleading or deceptive business practices

A full acceptable use policy is available in your Dashboard under Compliance → Policy.