Open an Account via Paymes Super App

Welcome to the Paymes Super App onboarding guide! This article will walk you through the steps to open and activate your account using the Paymes Super App. By following these simple instructions, you'll be able to seamlessly set up your account, verify your details, and go live within few minutes, with no need to communicate with any team member or to wait several days for verification. Let's get started!

In this article:

• Open an account (Registration)
• Activate Your Account (Self Onboarding)
  • KSA Merchants
    • Step 1: ID Verification
    • Step 2: Company Verification. 
      • a) Registered Company
      • b) Freelancers:
    • Step 3: Company details.
    • Step 4: Business Address.
    • Step 5: Bank Account Verification
    • Step 6: Account Plan & Payment (Subscription)
• Business Eligibility & Prohibited Activities
  • High-Risk MCC Categories Under Card Scheme Regulations
  • Regional Restrictions: UAE & KSA

Before opening a new account, make sure your business is allowed under current regulations. Check that it doesn’t fall into any restricted or prohibited categories set by the relevant authorities. Doing so helps avoid delays, rejections, or future account issues.

For full details, see the section: Business Eligibility & Prohibited Activities

Open an account (Registration)

1. Once you've downloaded the Paymes Super App, you'll be prompted to select your preferred language, then introduced to the app's key features through an interactive slider.
   
   

   You can download the application via: Insert App links here 

   
   
   
   
   
   
   
   
   
2. Next, just tap the 'Open an account' button on any screen to kick off the onboarding process. In just a few minutes, you’ll complete the required details and be ready to go live.
   
    
3. Create Your Credentials: Enter your Email Address, Full Name, Password, and a valid Phone Number.
   
   
4. Verify Your Phone Number: After submitting your credentials, enter the one-time password (OTP) sent to your phone to complete verification.
   
   
   
   
5. Biometric Authentication (if supported): If your device allows biometric authentication, you may be prompted to verify your identity using fingerprint, facial recognition, or another supported method to ensure an extra layer of security.

Welcome aboard!

Now that you've successfully created your login credentials, you'll be automatically redirected to the app's test environment. This space is designed to let you explore the dashboard, try out key features, and get comfortable with the interface.

Once you're ready, continue with the onboarding steps to verify your details, complete your profile, and activate your account to go live

Activate Your Account (Self Onboarding)

KSA Merchants

• To activate your account, you'll need to complete approximately six key steps. Each section will require specific details, and once valid information is provided, the section will be marked as Completed.
• This process accommodates both entity types: 
  • Registered companies with a Trade License
  • Individuals with a Freelancing Certificate
    
    

Please follow the steps relevant to your business status to ensure a smooth activation experience.

Step 1: ID Verification

• Enter Your National ID: Provide your valid National ID, which should belong to the business owner.
  
  
• Receive and Enter OTP: After entering the ID, you'll receive a 4-digit OTP via SMS. Input the code and click "Next" to continue.
  
  
• Automatic System Verification: The system will verify the ID automatically. If successful, you'll receive a confirmation message stating "Completed."

To ensure proper verification, the registration process must be completed by the business owner, as the trade license (or Freelance Certificate) is directly linked to their national ID. This ID will be automatically verified during registration.

If the business owner manages multiple companies, entering their national ID in the Paymes Super App will prompt the system to display all associated companies, allowing the user to select the relevant one.

• Error Handling: If the ID is invalid, the system will display an error message. Click on “Try Again” and upload a valid ID to proceed. 

Step 2: Company Verification. 

In this step, you’ll verify your company details. Depending on whether you operate a registered company or hold a freelance permit, follow the appropriate instructions below.

a) Registered Company

• Select Entity Type: At the entity selection stage, you’ll be presented with two options. Choose Business Registered in CR & Freelance Permit, then proceed to select Business Registered in CR.
  
  
• Select Company Name: The system will automatically display a list of companies registered under your national ID. Select the appropriate company that you wish to associate with this account.
  
  
• Automatic System Verification:
  • If the company is successfully verified, you'll receive a confirmation message stating “Completed.”
  • If the verification fails, an “Error” message will appear. Click on “Try Again” and select the correct company to continue.

b) Freelancers:

• Select Entity Type: At this stage, choose whether your entity is a registered company with a CR or a freelance permit. Select Freelance Permit to proceed.
  
  
• Enter Freelancer Details: Input your freelancer's name exactly as it appears on your certificate, along with your Certificate ID number.
  
  
• Upload Original Certificate: Click on the attachment box to upload the PDF version of your original freelancer certificate. Once selected, click "Upload" to continue.
  
  
• Automatic System Validation:
  • If the details are correct, the system will automatically validate them and display a confirmation message stating “Completed.”
  • If validation fails, an “Error” message will appear. Click on “Try Again” and upload the correct certificate or ensure the entered information is accurate

To ensure successful verification, please enter your freelancer's name and Certificate ID exactly as they appear on your official Freelance Certificate. Any discrepancies may result in system errors or validation failure.

Step 3: Company details.

To continue with your registration, you’ll need to provide accurate company details. This ensures the system can properly verify your business and move you to the next stage of setup.

• Enter Trading Name: Type your company’s exact trading name as it appears on official records.
  
  
• Provide Business Email: Enter your active business email address used for professional correspondence.
  
  
• Submit Website URL: Add your company’s official website link to complete the business profile.
  
  
• Proceed to Verification: Click "Next" to initiate validation. If the details are correct, you’ll be moved to the following step.

Step 4: Business Address.

At this stage, you’ll be required to enter accurate information about your company’s location.

• Enter Company Address:Input your full company address, including State/Region, City, and Zip Code (if applicable).
  
  
• Proceed to Next Step: Click "Next" to verify the provided details and move forward.

Step 5: Bank Account Verification

Now you will need to follow these steps to submit your bank account details:

• Fill in your bank account information:

  • Account Name: Must exactly match the name on your bank account.
  • IBAN: Enter your 24-digit IBAN number.
    
    

• Review your bank details:

  • Ensure the Account Name and IBAN are correct.
  • The Account Number and SWIFT Code will be auto-filled based on your IBAN.
    
    

• Click "Submit" to proceed.
  
  

• System validation:

  • Your bank details will be automatically validated by the system.
  • If verified, you’ll receive a confirmation message.
  • If validation fails, you’ll get an "Error" message—click "Try Again" and enter the correct details.

Step 6: Account Plan & Payment (Subscription)

The final step in your onboarding journey is to review the available subscription plans—each offering a unique set of features and access levels. Select the plan that aligns best with your business objectives, carefully read and accept the Terms and Conditions, and complete the payment to activate your account and go live.

During this stage, you will:

• Select your preferred subscription plan: Choose the package that best suits your operational needs.
  
  
• Review detailed pricing and plan benefits: Understand what each plan offers in terms of functionality and access.
  
  
• Read and accept the Terms and Conditions: Ensure you’ve reviewed the legal terms before proceeding.
  
  
• Complete payment on the secure payment page: Finalize your subscription by paying the required fees.
  Upon successful payment:
  • You'll receive a confirmation message.
  • Your account will be officially activated and go live

Welcome to Your Live Paymes Super App Experience

By successfully completing all the onboarding steps and verifying each stage, your account will be fully configured and pending bank approval (usually takes from an hour to a working day maximum)


After this you will be transitioned to the live environment—giving you instant access to start using all the features and services.

Now that your profile is active on the Paymes Super App, it's time to secure it.

Next Step: Set Up Two-Factor Authentication (2FA)

To strengthen the security of your account, you’ll be prompted to configure Two-Factor Authentication. This adds an essential layer of protection beyond your username and password, requiring a verification step each time you log in
To know more, check our Login using "Two Factor Authentication" Via Paymes Super App guide.

Business Eligibility & Prohibited Activities

Before opening a new account, please ensure your business does not fall under any of the restricted categories outlined by relevant authorities and marketplace policies. Violations may result in immediate account rejection or suspension.

Restricted Activities & Blacklisted Products

The following are strictly prohibited from being listed or sold on the marketplace:

• Alcohol & Tobacco
  • MCC 5921: Package Stores (Beer, Wine, Liquor)
  • MCC 5993: Cigar Stores and Stands
• Travel Services
  • MCC 4722: Travel Agencies & Tour Operators
  • MCC 7011: Hotels, Motels, Resorts
• High-Risk Business Models
  • Pyramid Schemes & Multi-Level Marketing (MLM)
  • Fortune-telling, divination, psychic readings, tarot, coffee cup readings
• Digital Payment Instruments
  • MCC 6540: Stored Value Cards (including unlicensed prepaid digital cards)
• Digital Gaming & Gambling
  • Content violating intellectual property rights
  • Gambling features or classifications restricted by card schemes
• Adult-Oriented Products & Services
  • MCC 5967: Sex toys, adult novelties, inbound/outbound telemarketing
  • MCC 7273: Dating & Escort Services
• Intellectual Property Violations
  • Counterfeit goods
  • Unauthorized use of trademarks, copyrights, patents
• Illegal & Hazardous Items
  • Drugs, weapons, explosives, and other banned substances
• Financial & Investment Schemes
  • Non-compliant or unlicensed financial services
• Legally Restricted Services
  • Any product or service deemed illegal under local laws

High-Risk MCC Categories Under Card Scheme Regulations

Regional Restrictions: UAE & KSA

The following business activities require proper licensing and are restricted without authorization:

• Financial services without local permits
• Cryptocurrency trading
• Unauthorized medical services
• Any regulated activity lacking legal approval