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Introduction

Due to regulatory compliance and to prevent fraudulent use of the platform, Noxpay has an integrated identification process built into every transaction — Crossramp Checkouts, Onramps to Global Account, Onramps to External Address, Offramps from Global Account, and Offramps from External Address. It applies to your payees — the individuals and companies transacting through your product — not to you as a merchant. The process is seamless and starts directly from the checkout. Because identity verification is managed in a separate environment for LGPD compliance reasons, the user is redirected from the checkout to complete it. The whole process takes no more than 5 minutes and does not interrupt the checkout experience once completed. Documents accepted for identity verification are: CNH, RG, Carteira Profissional, CRNM, or CIN (Brazilian IDs), plus a liveness selfie.

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KYC tiers — Natural persons (CPF)

Every natural person is automatically granted a Tier 1 limit of R$ 10,000.00 per 30-day cycle on their first interaction with Noxpay. Noxpay collects identity in two ways:
  • Pre-KYC step in the transaction flow — the customer self-informs their document during the checkout or ramp process.
  • Via the API — your platform pre-fills the customer’s document when creating the transaction, skipping the self-inform step entirely.
Once a customer reaches their Tier 1 limit, they are flagged for additional KYC. This flag does not expire. Upon completing the additional KYC, they are upgraded to Tier 2. Reaching Tier 2 requires a manual back-office process for further upgrade.
We strongly advise pre-registering with our team any customers you expect to have Tier 3 volume needs before they transact, to ensure a smooth experience.

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Tier summary — Natural persons

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Screen flows — Natural persons

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KYC tiers — Companies (CNPJ)

Every company follows the same tier structure and limits as natural persons. The key difference is that companies are required to identify one of their Ultimate Beneficial Owners (UBOs) as part of any Tier 2 verification. During Tier 2 KYC, the customer is first prompted to select one of the company’s registered UBOs. The selected UBO then completes the standard document and liveness capture. If the UBO has already completed Tier 2 KYC with Noxpay, the process is simplified to a facial liveness check only.

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Tier summary — Companies

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Screen flows — Companies

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Anti-fraud

Regardless of tier, any transaction may be flagged as potentially fraudulent by Noxpay’s risk engine. This flag does not expire. Once a transaction is flagged, the associated user — natural person or company — is also flagged until the verification is resolved. Resolution requires the flagged user to complete identity validation:
  • Tier 1 users — full document and liveness capture is required. Completing it also upgrades the customer to Tier 2.
  • Tier 2 users and above — only a liveness motion selfie is required.
  • Companies — the UBO completes the applicable validation.
The criteria for flagging a transaction as potentially fraudulent are based on transaction metadata and Noxpay’s risk engine. The specific mechanics of this process are entirely at Noxpay’s discretion and are not disclosed.