InzoPay requires merchant identity verification to maintain a safe platform, comply with financial regulations, and protect all users from fraud. This page explains our verification tiers, triggers, and the consequences of non-compliance.
1. Why We Verify Merchants
KYC verification allows InzoPay to confirm that merchants are who they claim to be, that their businesses are legitimate, and that the platform is not being used for prohibited activities. Verification protects both merchants and their customers.
2. Verification Tiers
InzoPay uses a tiered verification system. Higher transaction volumes require stronger verification:
Tier 1 — Basic (up to $1,000/month)
Email verification and basic account information only. No identity documents required. Available immediately upon registration.
Tier 2 — Standard ($1,000 – $10,000/month)
Government-issued photo ID (passport or national ID), proof of business (registration or trade licence), and a selfie for liveness check. Must be completed within 7 days of reaching the threshold or account functionality will be restricted.
Tier 3 — Enhanced (above $10,000/month)
All Tier 2 documents plus: proof of address (utility bill or bank statement, dated within 3 months), source of funds declaration, and a brief business description. Required within 7 days of reaching the threshold.
3. Automatic KYC Triggers
Your account will be flagged for KYC verification automatically when any of the following conditions are met:
- Your cumulative monthly transaction volume reaches $1,000 (Tier 2 trigger)
- Your cumulative monthly transaction volume reaches $10,000 (Tier 3 trigger)
- A single transaction exceeds $2,500
- Our risk systems detect unusual transaction patterns (see Section 4)
When a trigger is activated, you will receive an email notification with clear instructions on what to submit and the deadline. You can also track your verification status from your account dashboard.
4. Suspicious Activity — Temporary Suspension
If InzoPay detects transaction patterns that are inconsistent with your stated business profile or that indicate potential misuse of the platform, your account will be placed on a temporary hold immediately. This may happen even if you have not yet reached the standard volume thresholds.
During a temporary suspension:
- You cannot create new payment links or receive new funds
- Existing crypto balance remains in your wallet but withdrawals are paused
- You will receive an email within 1 hour explaining the reason and required action
- You have 14 days to provide clarification and supporting documents
If the investigation is resolved in your favour, your account is restored with full functionality. If the activity cannot be explained, or if you do not respond within 14 days, InzoPay reserves the right to permanently close the account.
5. Billing-Related Suspension
InzoPay generates monthly invoices for transaction fees. These invoices must be settled by the due date shown in your Billing dashboard.
Automatic deduction: If you have a sufficient crypto balance on your InzoPay wallet, the invoice amount is deducted automatically on the due date. You will receive a 24-hour advance notification before any automatic deduction is made.
Manual payment: If your crypto balance is insufficient to cover the invoice, you must top up your wallet and settle the invoice manually before the due date.
Consequences of non-payment: If an invoice remains unpaid 7 days past its due date, your account will be automatically suspended. During suspension, payment links are disabled and no new transactions can be processed. Your account will be restored within 1 hour of the invoice being settled.
6. Document Submission & Review
Documents must be submitted through your account dashboard under the KYC verification section. Accepted file formats are JPG, PNG, and PDF. Maximum file size is 10 MB per document.
InzoPay's compliance team reviews submitted documents within 2 business days. You will receive an email confirming approval or requesting additional information. If resubmission is required, you have 7 days to provide the corrected documents.
7. Appeals
If you believe your account has been suspended in error, you may submit an appeal by emailing [email protected] with the subject line 'Account Review Request — [your account email]'. Appeals are reviewed within 3 business days.
8. Data Handling
All KYC documents are encrypted, stored securely, and handled in accordance with our Privacy Policy. Documents are retained for 5 years from account closure as required by financial regulations. InzoPay does not share KYC documents with third parties except as required by law.
KYC Support
For questions about your verification status or to check the progress of a review, contact [email protected].