KYC & Onboarding Notice

Know Your Customer checks help us confirm who uses ChatPay, protect customers, prevent financial crime, maintain traceability and meet obligations that apply to us and our regulated partners.

• Full legal name, date of birth, phone number, email and residential address.
• Government-approved identity information required for the selected product or tier.
• Bank-account ownership and mandate information when a bank account is linked.
• Additional evidence where a higher tier, unusual activity or legal requirement calls for enhanced checks.

• Registered name, registration details, business type and operating address.
• Directors, beneficial owners and authorised representatives.
• Identity and authority evidence for the people controlling the account.
• Nature of business, expected activity and supporting documents where required.

Information may be checked against authoritative databases, documents, banking records and screening sources. A mismatch may require correction or manual review. Higher-risk customers or activity may require enhanced due diligence and approval.

KYC is not a one-time event. We may ask you to update expired or changed information, review transaction activity, re-screen records and restrict a feature while required checks are incomplete.

Verification records are handled under our Privacy Notice and retained under our Data Retention Notice.

Questions, privacy requests and complaints can be sent to hello@chatpayhq.com.