> For the complete documentation index, see [llms.txt](https://bagelpay.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://bagelpay.gitbook.io/docs/documentation/compliance-and-verification/quickstart.md). # Verification Process At Bagel Payments, we take verification seriously to ensure that all merchants using our platform meet regulatory standards and compliance requirements. Our verification process includes **Identity Verification** and **Business Verification**, with a strong emphasis on **AML (Anti-Money Laundering) and Product Categories**. This guide will help you understand which product categories are not supported, documents required for verification and how to re-submit documents if needed. *** ## **1. Unsupported Product Categories** Bagel Payments supports only digital product sales. As part of our commitment to maintaining a secure and compliant platform, we do not support certain product categories due to legal, compliance, and risk considerations. **Prohibited Product Categories:** 1. **Illegal Products**: Any product or service that violates local or international laws. 2. **Physical Goods**: Bagel Payments only supports digital products, so the sale of any physical goods (including weapons, tobacco, and counterfeit items) is not allowed. 3. **Adult Content**: This includes pornography, escort services, or other adult-related products. 4. **Gambling Services**: Online casinos, sports betting, or any game of chance requiring payment are not supported. 5. **Pyramid and Ponzi Schemes**: Any illegal financial schemes designed to generate returns for older investors through the contributions of newer investors. 6. **Hate Speech**: Products or services that promote hate speech, violence, or discrimination against any individual or group. 7. **Unlicensed Financial Services**: Cryptocurrency exchanges, unlicensed money transmission services, or other financial services without proper authorization. {% hint style="info" %} For detailed information regarding restricted categories, please review the [Terms of Service](https://bagelpayment.com/terms). If you’re unsure whether your product complies with our requirements, contact our [support team](mailto:info@bagelpayment.com) for clarification. {% endhint %} *** ## 2**. Onboarding Information** {% hint style="info" %} If your documents are approved, your account will be verified and you will receive a confirmation notification. {% endhint %} ### KYC Requirements for **Registered Businesses** The following requirements apply to all KYC submissions: * Stakeholder KYC documentation is required * Must include KYC verification for: * Directors * Partners * Authorized signatories * Documentation must match the business structure ### KYC Requirements for [**​**](https://docs.dodopayments.com/miscellaneous/verification-process#registered-businesses)**Individual Applicants** * Only self KYC documentation is accepted * The following documents will not be accepted as substitutes: * Parent documentation * Guardian documentation * Spouse documentation * Partner documentation ### **KYB Verification for Registered Business** We will need the following information for verification of your business if you have registered the business. | Field | Description | | :--------------------------------: | :-------------------------------------------------------------------------: | | Business Registered Name | Enter the exact registered name as per legal documents | | Business Registration Number | Enter the official business registration number | | Country of Registered Address | Mention the country where the business is registered | | Website URL | URL of the business website (if available) | | Product Category | Select applicable product categories | | Business Description | Short description of business activities (100-250 words) | | Registration Document Type | Mention the type of the document whose registration number you have entered | | Availability of Privacy Policy | Mention if your website has a Privacy Policy created | | Availability of Terms & Conditions | Mention if your website has a Terms & Conditions created | | Availability of Refund Policy | Mention if your website has a Refund Policy created | ### **KYB Verification for Unregistered Business** If you have not registered your business yet or registration is still in process but not completed we will need the following information: | Field | Description | | ---------------------------------- | -------------------------------------------------------- | | Website URL | URL of the business website (if available) | | Product Category | Select applicable product categories | | Business Description | Short description of business activities (100-250 words) | | Availability of Privacy Policy | Mention if your website has a Privacy Policy created | | Availability of Terms & Conditions | Mention if your website has a Terms & Conditions created | | Availability of Refund Policy | Mention if your website has a Refund Policy Created | {% hint style="info" %} If you have multiple businesses, each new business will require a separate Business Verification process. {% endhint %} *** ## 3**. Verification Process Overview** Our verification team follows a **strict checklist** to review the merchant’s identity and business information, with **AML compliance and Sanction List checks** integrated into the business verification process. This helps to ensure that your business is legitimate and adheres to legal requirements. **Key Aspects of the Verification Process:** * **Identity Verification**: The verification team confirms the authenticity of the personal identification documents provided during registration. * **Business Verification**: We verify the legal structure, address, and industry of the business to ensure it does not violate any of our terms and conditions mentioned in the [Master Service Agreement](https://bagelpayment.com/terms). {% hint style="info" %} The verification process is typically completed within **24 working hours**, unless additional documentation is required or further investigation is needed.[​](https://docs.dodopayments.com/miscellaneous/verification-process#5-what-to-do-if-your-application-is-rejected) {% endhint %} *** ## 4**. What to Do If Your Application is Rejected** In some cases, a merchant’s application may be **rejected** if the verification team identifies unresolved issues or non-compliance with Bagel Payments’ policies. Common reasons for rejection include unsupported product categories, incomplete or unverifiable documentation, or failure to meet compliance standards. **Steps to Take If Rejected:** 1. **Review the Rejection Reason**: * You will receive a notification explaining the reason for rejection. * Common reasons include non-compliance with our product category policies, missing or incorrect documentation, or failure to meet **Compliance** as part of the business verification process. 2. **Contact Support**: [Email](mailto:info@bagelpayment.com) * If you have questions or need clarification on the rejection reason, contact our support team for assistance. 3. **Resolve Issues and Reapply**: * Address any issues outlined in the rejection notice, such as correcting documentation errors or reviewing your product categories. * If your product falls under one of the restricted categories, you will not be eligible to use Bagel Payments. Once the issues are resolved, you may reapply for verification by following the same steps as your original application. Ensure that all documents and information are accurate to avoid further delays. *** ## 5**. Additional Verification Form** To ensure compliance with Know Your Customer (KYC) and tax regulations, and to help facilitate faster and smoother payouts, we require some additional business and personal information. The specific details requested may vary depending on your business type and geographic location. * **Business Tax ID Number** Used to verify your business for tax compliance. * **Business Tax ID Document (Photo/Scan)** Helps prevent errors due to manual entry by providing visual confirmation of your Business Tax ID. * **National Tax ID Number** Required to confirm your personal or national-level tax identification details for regulatory compliance. * **National Tax ID Document (Photo/Scan)** Prevents data entry mistakes and ensures accurate validation. * **Website Domain Proof** *(e.g., domain registration certificate, invoice, or official email)* Confirms ownership of your business’s online presence. The document should clearly show both the domain name and your legal entity name. * **Customer Confirmation of Agreed Scope of Work** Helps avoid disputes by confirming that the client has acknowledged the agreed deliverables or services. This can be in the form of an email, signed agreement, or any written acknowledgment. *** ## **6. Resubmission of Documents** If there are issues with the documents submitted during the onboarding process, the **Bagel Payments Verification Team** may request that you resubmit specific documents. **Merchants can resubmit documents** in the dashboard page. **When Can You Resubmit Documents?** * **Missing or Incomplete Information**: If essential details such as identification numbers, business name, or other key data are missing. * **Document Mismatch**: When the documents submitted do not match the business or personal information provided. * **Unreadable or Expired Documents**: If the uploaded documents are unclear, illegible, or have expired. * **Additional Clarification Needed**: If the verification team requires further documentation to clarify your identity or business information. **How to Resubmit Documents:** 1. **Check Your Bagel Payments Dashboard** for a resubmission request (you will also receive an email notification if resubmission is required). 2. The verification team will enable the **Resubmit** option, allowing you to upload new documents. 3. Navigate to the **Verification** page in dashboard and upload the correct documents. 4. Submit the documents for review by clicking **Submit for Review** *** ## **Conclusion** The Bagel Payments verification process is designed to ensure that merchants meet all necessary regulatory and compliance requirements, while also protecting the platform from fraud and abuse. Understanding the restricted product categories, knowing when and how to resubmit documents, and knowing what to do if your application is rejected will help ensure a smooth onboarding experience. If you need assistance at any stage of the process, our support team is always available to help.Contact us at