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Verification tiers are cumulative: each tier builds on the one before it and unlocks a higher purchase limit. MoonPay always decides what verification a customer needs. The checkout flow detects where a customer stands and prompts them for exactly the missing steps, so you never assign or track a tier yourself. This page covers which steps a customer completes at each tier and when. KYC data requirements covers the exact fields, formats, and documents each step requires per country. A tier is a conceptual model, not an API field. Customer API integrations see the same escalation concretely: kyc.status and kyc.requirements on the customer object list exactly what is outstanding for a given customer. Hosted and widget integrations see it as the prompts MoonPay renders.

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How verification tiers work

Each regional table below is a ladder. A customer starts at the lowest tier available in their region and moves up by completing the steps the next tier adds. Tiers are cumulative, so a customer at a given tier has completed every step from the tiers below it. Higher tiers unlock higher purchase limits. Tier numbering varies by region, and each table lists only the tiers that exist in that region. Tiers describe the standard escalation. MoonPay asks customers assessed as higher risk to complete additional steps, such as the Customer Questionnaire or Enhanced Due Diligence, regardless of tier.
MoonPay does not publish limit amounts. Your MoonPay account team shares limit specifics for your integration directly.

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Verification steps at a glance

Four steps recur across the regional tables. The details column links to the exact fields, formats, and documents each step requires. The regional tables use one more shorthand: basic information is the customer’s email, full name, date of birth, residential address, and nationality.

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United States

Express Checkout is enabled per partner, not by default. To request it, contact your MoonPay account team at team@moonpay.com. Despite the similar name, this verification tier is separate from the express checkout button that the buy button frame renders for payments.
New York requires full KYC (ID verification and the Customer Questionnaire) from the very first transaction. Express Checkout is not available to New York residents.

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Canada

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United Kingdom

A lifetime purchase cap applies until the customer completes the Customer Questionnaire, in line with UK financial promotion rules.

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European Economic Area

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

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Australia and New Zealand

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Rest of world

Rest of world covers Latin America, Africa, most of Asia, and the Middle East.
Express Checkout is available in the United States only.

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Changes to tier requirements

Verification requirements evolve with MoonPay’s compliance obligations. When tier requirements change, the changelog announces the change. The changelog supports RSS, so you can subscribe to updates. The live checkout flow and kyc.requirements on the customer object always reflect the current requirements.