Additional Customer Identification Requirements

 

Pursuant to regulation 40 of the National Payment System Regulation 2022, M-PAiSA is strengthening its “Know Your Customer” (KYC) customer personal information and ID verification requirements.

To ensure that existing and potential new M-PAiSA users are not excluded from using the services, M-PAiSA has created two tiers of users depending on the level of information received.

Tier 1 – Wallet Balance Limit $10,000

To retain the current $10,000 M-PAiSA account wallet balance and transaction limits, customers must meet the following KYC requirements in full:

  • a) Must provide all eight (8) personal information (KYC) listed in Column A
  • b) Must provide supporting ID/documents for each item listed in Column B
Column A
Identification Information Required (KYC)
Column B
ID/Document Required
1. Name of Customer
2. Date of Birth
3. Citizenship
Birth Certificate or Citizenship Certificate
Non-Resident – Valid Passport
4. Permanent Residential Address in FijiVoter Card, Valid Driver’s License, or Reference Letter
Note: When customers are opting to provide a Reference Letter, only the version from the above link must be used.
5. Occupation
6. Source of Funds
Current Payslip, Letter from Employer, Student ID (tertiary/technical), or Reference Letter
7. SignatureVerified by staff during face-to-face registration or uploaded via the M-PAiSA app
8. Taxation DetailsFNPF/FRCS Joint Card or TIN Letter
Link for FRCS instructions on how to get a TIN

Other Mandatory Documents for Non-Resident Customers

  • Valid work, business, or other permit/visa issued by Fiji Immigration
  • Valid employment or student status document issued by employer or institution
  • Non-Resident TIN (if applicable)

Tier 2 – Wallet Balance Limit $5,000

Customers who cannot provide all eight (8) required items will have their wallet limit reduced from $10,000 to $5,000 effective 15th September, 2025.

Further restrictions such as daily and individual transaction limits may apply until KYC is completed.

Scenario 1
Customer has full documentation
Scenario 2
Customer has insufficient documentation
Birth CertificateBirth Certificate
Voter CardReference Letter (for minors, students, unemployed, or informal sector workers)
Current Payslip
FNPF/FRCS Card or TIN LetterFNPF/FRCS Card or TIN Letter

Maximum of Two (2) Wallets Per Individual

Effective 15th September, 2025, each person may maintain only two (2) M-PAiSA accounts under their name.

If you currently have more than two accounts, please consolidate your balances into two.

After 15th September, any extra accounts will be restricted to withdrawals or transfers only. Deposits or incoming funds will not be allowed.


 

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