KYC tiers & limits
For wallet and global payments, what you can do depends on your KYC tier. Payouts are broadly unrestricted; collections (pay-ins) unlock more capability as your KYC level increases.
Payouts (pay-out)
Section titled “Payouts (pay-out)”With completed KYC, you can pay out to virtually any country PayHero supports, without limits — regardless of tier.
Collections (pay-in)
Section titled “Collections (pay-in)”Pay-in capability is gated by KYC tier:
- KYC Level 1 & 2 — First-party collections. You can only top up using your own phone number — the number you used to open your PayHero account. You cannot collect from other people’s numbers.
- KYC Level 3 — Third-party collections. You can collect from any phone number, but only within Kenya.
- KYC Level 4 — Global collections. You can collect from any phone number, across all supported countries.
Summary
Section titled “Summary”| KYC tier | Collections (pay-in) | Payouts (pay-out) |
|---|---|---|
| Level 1–2 | First-party only — your own registered phone number | Any supported country, no limits |
| Level 3 | Third-party — any phone number, Kenya only | Any supported country, no limits |
| Level 4 | Global — any phone number, all supported countries | Any supported country, no limits |