Overview

Know Your Customer (KYC) is required to establish a sub‑merchant account that complies with regional financial regulations and to complete the sign‑up to use RMS Pay as the payment gateway in RMS.

A sub‑merchant account is your property’s individual merchant profile under the RMS Pay payment platform. It is the account used to process card payments on behalf of your business in line with banking and card‑network requirements.

KYC must be completed by a person authorised to act on behalf of the company, such as the business owner, financial controller, or an authorised signatory. An individual can hold multiple roles (for example, they may be both a Director and a Signatory). In some regions, at least one signatory associated with the business may be required to complete their details.

Once you have activated RMS Pay and submitted all required KYC information:

• Your application is sent for Digital Identity Verification.

• If Digital Verification is successful, verification usually completes within a few minutes.

• If additional documents are required, your application will go to Manual Review, which typically takes 3–5 business days, depending on volume and the completeness of the information provided.

Activate RMS Pay

1. Navigate to Setup > Online > Module Market.

2. Locate RMS Pay.

3. Select the toggle to turn on Activate RMS Pay.
   
    

4. Select Activate RMS Pay to open the KYC form.
   
    

Complete KYC

The KYC form will guide you through the information required to set up your sub‑merchant account. You must complete all required sections and upload any requested supporting documents.

Company Details

For a registered business, provide the following information, including a copy of a company document that displays the legal company name, company address, and business registration number (ABN, NZBN, CRN, etc.):

• Legal Company Name

• Registration Number

• Tax Number

• Company Phone Number

• Company Address

The legal company name is the registered company name with the relevant government body.
The company address must be the physical address of operations and cannot be a P.O box.

If your business is a different structure (e.g. sole trader/individual), complete the Company Details section according to the prompts in the KYC form.

Photo Identification & Decision Makers

The Director and Business Owner or Financial Controller and an Account Signatory (an individual can hold multiple roles) must provide a copy of government‑issued photo identification and the following personal information:

• Full Name

• Date of Birth

• Residential Address

• Job Title

• Email Address

• Phone Number

Types of personal identification that can be used to verify identity and comply with KYC regional financial regulations must be government‑issued and current, for example:

• Driver’s licence

• Passport

• Visa

In the Decision Makers section of the KYC form:

1. Add each required person (Director, Business Owner, Financial Controller, Signatory) as prompted.

2. Enter their personal details (name, date of birth, address, contact details, job title).

3. Upload the required photo identification for each person.

If Digital Verification is unsuccessful for any decision maker, you will see a message on that record within the KYC form prompting you to upload additional identity documentation directly in this section.

Bank Account Details (Payout Account)

You must provide bank account details for your Payout Account (the account into which RMS Pay settlements will be deposited):

• Account Name

• Account Number / IBAN

• Bank Name

• BSB / Routing details (where applicable)

Ensure the account name and account number/IBAN match the documentation you upload.

If Digital Verification fails on your bank details:

• The Bank Account Details section will display a message asking you to upload a bank document (such as a bank statement or cheque) that clearly shows the account name and number.

• Upload this document directly to the Bank Account Details section of the KYC form.

PCI DSS Questionnaire

As part of KYC and onboarding to RMS Pay, you must:

• Review and agree to the PCI DSS Questionnaire (Payment Card Industry Data Security Standard).

PCI DSS is the global standard that defines how businesses must protect cardholder data when accepting, processing, storing, or transmitting card payments. The questionnaire confirms how your business handles cardholder data and that you understand your obligations.

When all sections (Company Details, Decision Makers, Bank Account Details, PCI DSS Questionnaire) are complete, and any requested documents have been uploaded, submit the KYC form.

Digital Identity Verification

KYC information is checked using Digital Identity Verification.

Digital identity checks are performed in two stages:

• Digital Verification
  Your information is automatically checked against external data sources. This usually takes a few minutes after you submit each section of the KYC form.

• Manual Review (if required)
  If Digital Verification is unsuccessful or further information is needed, your uploaded documents will be reviewed manually by the RMS Pay risk team and our payment partners. This typically takes 3–5 business days, depending on volume and the completeness of the information provided.
  
   

If Digital Verification Fails

• The KYC form will display a message on the relevant section (Company Details, Decision Makers, or Bank Account Details) indicating that additional documents are required.

• You can upload the requested documents directly in that section of the KYC form using the provided upload area.

• Once your documents are submitted, they are sent for Manual Review.

• You will be notified of the outcome by the RMS Pay team or via an update to your RMS Pay activation status.

RMS Pay Status After KYC

Once you have submitted all required KYC information and documents:

• The RMS Pay module in Module Market will show as “Activated”, and the toggle will be locked (you will not be able to turn RMS Pay off or on while your application is under review).

• Your application and supporting documents will be reviewed by the RMS Pay team and our payment processing partners.

• An RMS Pay team member will contact you to confirm when your account is fully enabled for live transactions.