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.
To retain the current $10,000 M-PAiSA account wallet balance and transaction limits, customers must meet the following KYC requirements in full:
| 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 Fiji | Voter 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. Signature | Verified by staff during face-to-face registration or uploaded via the M-PAiSA app |
| 8. Taxation Details | FNPF/FRCS Joint Card or TIN Letter Link for FRCS instructions on how to get a TIN |
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 Certificate | Birth Certificate |
| Voter Card | Reference Letter (for minors, students, unemployed, or informal sector workers) |
| Current Payslip | — |
| FNPF/FRCS Card or TIN Letter | FNPF/FRCS Card or TIN Letter |
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.
