PayBito Merchant Onboarding

Activate in Minutes

Merchant Onboarding
KYC & KYB
Verify. Activate. Get Paid.

Complete PayBito's fast, secure merchant onboarding process — KYC identity verification and KYB business verification — and unlock the full payment gateway: crypto, PayPal, Stripe, brand wallet, external wallets, guest checkout, and recurring billing, all in one account.

Start Merchant Onboarding Talk to Compliance Team

3 Steps to Activate Tier 2 After KYC 24h Avg. Approval 100% Compliant

Merchant Onboarding — PayBito

Secure

Onboarding Status

2 / 3 Done

KYC · KYB · Payment Activation

Verification in Progress

Email Verified

Business Activated

KYC/KYB Pending

KYC Completion Progress

Completed 66% Remaining 34%

Verification Steps Encrypted

Email Verification

Identity step 1 · Completed

✓ Done

Business Activation (KYB)

Business documents · Completed

✓ Done

KYC Identity Documents

Gov. ID + Proof of Address · Pending

Pending

Withdrawal Limit: Tier 2

Unlocked after KYC approval

Built for Compliance & Growth

What Is PayBito Merchant Onboarding?

PayBito's merchant onboarding process — including KYC identity verification and KYB business verification — is your fast path to accepting crypto, PayPal, and Stripe payments with higher withdrawal limits, lower transaction limits, and full compliance with global AML regulations.

Merchant onboarding at PayBito is a three-step process: email verification, KYB business activation, and KYC personal identity verification. Completing all three steps unlocks your full payment gateway — brand wallet checkout, six external crypto wallets, guest checkout, PayPal, Stripe, and both recurring and one-time billing — under one verified merchant account.

KYC — Know Your Customer. Submit a government-issued photo ID and proof of address. PayBito's KYC process verifies your identity in compliance with AML regulations, unlocking Tier 2 withdrawal access and removing the pre-KYC transaction cap.
KYB — Know Your Business. Provide your business registration documents, ownership details, and operational address. KYB business verification activates your merchant account and authorises your business to accept payments across all three gateway channels.
AML & compliance built in. PayBito's onboarding is designed around global AML, FATF, and GDPR standards. Every merchant goes through the same structured verification process — transparent, documented, and privacy-respecting at every step.
Tier 2 withdrawal unlocked. Completing KYC raises your withdrawal tier — removing the pre-verification USD limit and enabling higher daily and monthly settlement amounts directly to your bank or crypto wallet.
Fast activation — typically 24 hours. PayBito's compliance team reviews submitted documents and activates verified merchants quickly — so you can move from onboarding to accepting live payments without extended waiting periods.

The PayBito Onboarding Advantage

Why Merchants Choose PayBito for Verified Payment Gateway Access

Crypto + PayPal + Stripe in one verified account No other payment gateway combines borderless crypto acceptance, PayPal's buyer network, and Stripe's card infrastructure in a single KYC-verified merchant account with unified reporting.
Brand wallet & 6 external wallets — all post-KYC Once verified, merchants activate brand wallet checkout and six external crypto wallets — MetaMask, Trust Wallet, Coinbase, Phantom, Brave Wallet, and TronLink — with full guest checkout support.
Recurring & one-time billing from day one Verified merchants can immediately configure subscription billing and one-time payments across all three channels — crypto, PayPal, and Stripe — with automated renewal and lifecycle webhooks.

Start your merchant onboarding today KYC · KYB · Crypto · PayPal · Stripe

How It Works

Merchant Onboarding in 3 Simple Steps

From registration to your first live payment — PayBito's merchant onboarding process is structured, fast, and fully guided. Most merchants complete full verification within 24 hours.

Step 1: Confirm Email

Register your merchant account and verify your email address. Instant email confirmation activates your account and enables access to the PayBito payments dashboard.

Instant

Step 2: KYB Business Activation

Submit your business registration certificate, ownership structure, and operational address for KYB verification. Our compliance team reviews and activates your business within one business day.

Within 24h

Step 3: KYC Identity Verification

Upload a government-issued photo ID and a recent proof of address document. KYC completion upgrades your merchant tier, removes transaction limits, and unlocks full settlement and withdrawal access.

Under 24h

Start Accepting Payments

Once verified, your full payment gateway is active — brand wallet, 6 external wallets, guest checkout, PayPal, Stripe, recurring billing, and one-time payments — all live and ready to generate revenue.

Live Immediately

Onboarding Features

Six Reasons Merchants Complete KYC with PayBito

Every benefit of completing merchant onboarding — from higher withdrawal tiers to full payment gateway access — in one structured, fast, and compliant verification process.

Tier 2 Withdrawal Access

Completing KYC removes the pre-verification transaction cap and upgrades your merchant account to Tier 2 — enabling higher daily and monthly withdrawal limits to your bank account or crypto settlement wallet.

24-Hour Approval Process

PayBito's compliance team processes KYC and KYB submissions within 24 hours in most cases. Document upload is fully digital — no in-person meetings, no printed forms, no delays from postal verification.

Full Payment Gateway Activation

Verified merchants unlock the complete PayBito payment stack — crypto brand wallet, six external wallets, guest checkout, PayPal, Stripe, recurring billing, and one-time payments — all accessible from one merchant dashboard.

AML & Global Compliance

PayBito's merchant onboarding is built to FATF, AML, and GDPR standards. All submitted documents are encrypted, stored securely, and processed exclusively by authorised compliance personnel — never shared with third parties.

Crypto + PayPal + Stripe Unlocked

Once KYC and KYB are complete, merchants can configure all three payment channels simultaneously — crypto via brand wallet or six external wallets, PayPal express checkout, and Stripe card processing — with a single API connection.

Recurring & One-Time Billing

Verified merchants immediately access both billing modes — subscription recurring payments and one-time checkout — across crypto, PayPal, and Stripe, with automated dunning, retry logic, and full lifecycle webhook support.

Verification Requirements

KYC & KYB Document Requirements

PayBito's merchant onboarding requires two types of verification — personal KYC identity documents and KYB business registration documents. Both are submitted digitally and reviewed by our compliance team.

KYC — Know Your Customer

Personal Identity Verification Documents

KYC verification confirms the personal identity of the merchant account holder. Submit clear, valid copies of the following documents. All files are encrypted at rest and in transit and are used exclusively for compliance verification.

Government-issued photo ID (passport or national ID card)
Proof of address — utility bill or bank statement (under 3 months)
Clear, unedited digital scans or photographs
ID must be valid and not expired at submission
Documents reviewed within 24 hours by compliance team

KYB — Know Your Business

Business Registration & Ownership Documents

KYB verification confirms the legitimacy and ownership structure of your registered business entity. All business categories are accepted — standard and high-risk merchants are both eligible for PayBito's payment gateway access.

Certificate of incorporation or business registration
Proof of business address (registered or operational)
Beneficial ownership structure documentation
Director or authorised signatory identification
All business categories accepted — including high-risk

Unlocked After Verification

Payment Channels Available After Merchant Onboarding

Complete merchant onboarding and activate all three payment channels in one verified account — crypto wallet checkout, PayPal express, and Stripe card processing — with no additional setup required per channel.

Crypto — Brand Wallet & External Wallets

Verified merchants activate full crypto payment acceptance — via brand wallet hosted on your domain or any of six external Web3 wallets. Guest checkout allows buyers without a wallet app to pay directly via crypto address.

Brand wallet — hosted on your domain
MetaMask, Trust Wallet, Coinbase, Phantom, Brave, TronLink
Guest checkout — no wallet required
Instant settlement · Zero chargebacks

PayPal — Trusted Express Checkout

PayPal is activated post-KYC alongside crypto and Stripe in your unified merchant dashboard. Accept PayPal payments for one-time purchases and recurring subscriptions from PayPal's 400M+ global buyer network.

PayPal express one-tap checkout
Recurring & one-time billing
Cross-border merchant support
PayPal buyer protection

Stripe — Full Card Processing

Stripe card processing is fully enabled for verified merchants — Visa, Mastercard, Amex, Discover, Apple Pay, and Google Pay. Connect your Stripe API keys in the PayBito payment settings to activate card checkout alongside crypto and PayPal.

Visa · Mastercard · Amex · Discover
Apple Pay & Google Pay
PSD2 SCA compliant
Recurring subscription billing

24-Hour Approval

KYC and KYB documents are reviewed and verified within 24 hours in most cases — no branch visits required.

Tier 2 Withdrawal

KYC completion upgrades your merchant tier — removing transaction caps and enabling full settlement access.

All Business Categories

Standard and high-risk merchants accepted — every business category eligible via PayBito's crypto gateway.

3 Channels Activated

Crypto, PayPal, and Stripe all activated post-verification — configured in one unified merchant dashboard.

Verification Tier Comparison

Unverified vs KYC Verified Merchant Access

See exactly what merchant onboarding and KYC verification unlocks — and why completing the process is essential to running a full-scale payment operation on PayBito.

Capability	Unverified (Tier 1)	Email Verified Only	KYC + KYB Verified (Tier 2)
Withdrawal Limit	$0 (locked)	Minimal cap	Full Tier 2 limit
Crypto Payment Acceptance	Not available	Limited access	Full — brand wallet + 6 wallets
PayPal Gateway	Disabled	Disabled	Fully enabled
Stripe Card Processing	Disabled	Disabled	Fully enabled
Guest Checkout	Not available	Not available	Active — no wallet needed
Recurring Billing	Not available	Restricted	Crypto + PayPal + Stripe
Settlement to Bank	Not enabled	Not enabled	Bank + crypto wallet
All Business Categories	Restricted	Standard only	All — incl. high-risk

Why Complete Merchant Onboarding

The Verified Merchant Gateway Your Business Deserves

PayBito's merchant onboarding — KYC identity verification and KYB business verification — is the gateway to the full payment stack. Verified merchants access crypto brand wallet, six external wallets, guest checkout, PayPal, Stripe, recurring billing, Tier 2 withdrawals, and bank settlement in one compliant, unified account.

KYC in under 24 hours — personal identity verified fast, securely, and fully digitally with no branch visit

KYB business activation — all merchant categories accepted including high-risk refused by card processors

Tier 2 withdrawal unlocked — higher daily and monthly limits to bank and crypto wallet after KYC completion

Crypto + PayPal + Stripe — all three gateways activated post-verification in one unified merchant account

Brand wallet + 6 external wallets — MetaMask, Trust Wallet, Coinbase, Phantom, Brave, TronLink all enabled

Recurring & one-time billing — both modes across all channels from day one of verified merchant activation

Completing merchant onboarding is not just a compliance requirement — it is the step that turns a restricted account into a full-scale payment operation. PayBito's KYC and KYB process is built to be fast, straightforward, and worth completing for every serious merchant.