How can we help you?

Required Documentation

To comply with financial regulations and ensure a secure ecosystem, we require standard documentation to verify your business identity. While specific requirements vary by region and business type, most applicants will need to provide:

• Source of Wealth (Company): e.g., Business Revenue, Investment Gain, Loan.
• Source of Wealth (Stakeholders): e.g., Salary, Investments, Inheritance for all owners ≥ 25%.
• Incorporation Documents: Certificate of Incorporation, Articles of Association, or Registry.
• Ownership Structure: Chart detailing shareholding structure.
• Proof of Business Address: Utility bill, bank statement, or internet bill.
• Identity & Address Proofs: Passport/ID and proof of address for all Directors and Beneficial Owners (≥ 25%).

Onboarding Timeline

Applications are typically reviewed within 1–7 business days, depending on the complexity of the business structure and the completeness of the provided documentation. You will receive an email notification once the review is complete.

Enhanced Diligence Process

During the underwriting process, our compliance team may request additional information to verify business details or meet regulatory requirements. If you receive a request for more information:

1. Click the link in the notification email and log in to the Pockyt Portal.
2. Modify fields marked in red (these indicate required updates).
3. Upload any requested supplementary files.
4. Click Submit. Note: The page cannot be edited again after submission until reviewed.

Checking Balances & Ledger

Go to Merchant Portal > Balances to view:

• Being transferred: Total amount currently en route to your bank account.
• Pending settlement: Payments less refunds that haven't settled yet.
• Reserve: Funds held as an option for potential refunds/disputes.

Use the Deposits Ledger section to download daily Excel reports of all deposit activity.

Managing Stores

Go to Setting - Stores.

• Add: Click Add (top right) and fill in the popup to create a store.
• View/Edit: Click the '···' button on a store to view or edit details.
• Status: Use Activate or Suspend to open or close a store.

Managing Users

Go to Setting - Users (Select Merchant Users or Store Users).

• Add User: Click Add (top right) and fill in the popup.
• Finance Permissions: Toggle permissions such as Initiate Payout, Approve Payout, or Require Dual Approval for amounts over a specific threshold.

Manual Processing (Merchant Portal)

Disputes & Chargebacks

Navigate to Transactions - Disputes. Filter by Processing or Response Required.

Available Actions: Send Message, Make Offer, Escalate, Provide Evidence, Accept Claim, Partial Update, Acknowledge Return Item, or Appeal.

Manual Processing (Merchant Portal)

Prohibited Business List

1099-K Qualifiers

You qualify for a 1099-K if, in the prior calendar year, you meet BOTH criteria:

• Annual gross payments exceed $20,000
• More than 200 such transactions occurred