What Happens After Submission
Once you submit the application, your merchant will receive an email with a link to complete the onboarding process. On this verification page, they will review and sign the service agreement, provide banking details for settlement, submit identity verification documents, and confirm their business information.
The identity verification review is conducted by Adyen, the global payment infrastructure provider that powers the platform. ValPay provides the form and the portal; Adyen conducts the compliance review. The review timeline and outcome are governed by Adyen's processes, not by ValPay or the partner.
What Adyen Is Checking
Area | What is verified |
Business identity | Does the legal entity match government records? Is the address consistent? Does the business appear to be genuinely operating? |
Beneficial ownership | Have all owners of 25% or more been identified and verified against valid ID? |
Banking | Is the bank account valid, active, and held in the name of the legal entity? |
How Long Does It Take
Standard KYC review takes 1 to 3 business days once all documents are submitted correctly. Applications requiring manual review take longer. The most common reasons for delays:
A mismatch between the legal name on the application and the government registration document
Blurry or expired identification documents
A business with no verifiable online presence
Missing beneficial owner information
A bank document where the account name does not match the legal entity name
Track the application status in the Merchants section of the portal. If an application has been in review for more than 3 business days without movement, contact ValPay.
If Your Application Is Held
A hold is not a rejection. It means the reviewer needs additional information or clarification. Common hold messages and what to do:
Hold message | What it usually means | What to do |
"Business appears to be not built yet" | The reviewer cannot find evidence the business is operating. | Upload the merchant's website URL, Google Business listing, social media, photos of their premises, or their business licence. |
"ID document not readable" | The uploaded document is too low quality. | Re-upload a clear, well-lit scan or photo. Passport preferred. |
"Legal name mismatch" | The name on the application differs from the government registration document. | Check the exact spelling on your CP575 or equivalent and correct the application. |
"Bank document insufficient" | The document does not show all required fields or does not show the legal entity name. | Obtain a formal bank letter confirming account name, account number, and sort or routing code. |
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🌐 Partner Portal: portal.valpay.com