> ## Documentation Index
> Fetch the complete documentation index at: https://dev.moonpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Verification tiers

> The KYC verification steps customers complete at each tier, per region, and how higher tiers unlock higher purchase limits.

export const TiersSourceOfTruth = () => <Info>
    MoonPay's compliance policy sets the steps each tier requires, and the set
    evolves over time and by region: steps are added, removed, or moved between
    tiers. In hosted and widget flows, MoonPay automatically prompts customers
    for exactly what is outstanding. Customer API integrations should treat{" "}
    <code>kyc.requirements</code> on the{" "}
    <a href="/api-reference/platform/endpoints/customers/get">
      customer object
    </a>{" "}
    as definitive. This page helps you plan the integration; it is not a
    contract.
  </Info>;

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](/platform/guides/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](/platform/guides/customer-api) integrations see the same
escalation concretely: `kyc.status` and `kyc.requirements` on the
[customer object](/api-reference/platform/objects-and-types/customer) list
exactly what is outstanding for a given customer. Hosted and widget
integrations see it as the prompts MoonPay renders.

<TiersSourceOfTruth />

## 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.

<Note>
  MoonPay does not publish limit amounts. Your MoonPay account team shares limit
  specifics for your integration directly.
</Note>

## 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.

| Step                         | What the customer provides                                                                         | Details                                                                                                                                                                        |
| ---------------------------- | -------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| ID verification              | A government-issued photo ID and a liveness check selfie                                           | [Identity documents](/platform/guides/kyc-data-requirements#identity-documents), [Selfie and liveness check](/platform/guides/kyc-data-requirements#selfie-and-liveness-check) |
| Customer Questionnaire (CDD) | Occupation, source of funds, and declared annual income                                            | [Due diligence questionnaires](/platform/guides/kyc-data-requirements#due-diligence-questionnaires)                                                                            |
| Enhanced Due Diligence (EDD) | A deeper review that requires proof of income, such as a payslip or bank statement                 | [Due diligence questionnaires](/platform/guides/kyc-data-requirements#due-diligence-questionnaires)                                                                            |
| Proof of Address (PoA)       | A document confirming the customer's residential address, such as a utility bill or bank statement | [Proof of address](/platform/guides/kyc-data-requirements#proof-of-address)                                                                                                    |

The regional tables use one more shorthand: **basic information** is the
customer's email, full name, date of birth, residential address, and
nationality.

## United States

<Info>
  Express Checkout is enabled per partner, not by default. To request it,
  contact your MoonPay account team at
  [team@moonpay.com](mailto:team@moonpay.com). Despite the similar name, this
  verification tier is separate from the [express checkout
  button](/platform/guides/pay-with-buy-button) that the buy button frame
  renders for payments.
</Info>

| Tier             | What the customer completes                                                                                                  |
| ---------------- | ---------------------------------------------------------------------------------------------------------------------------- |
| Express Checkout | Basic information only. No phone number or ID upload.                                                                        |
| Tier 1           | Basic information, phone number, and [Social Security number (SSN)](/platform/guides/kyc-data-requirements#tax-identifiers). |
| Tier 2           | Everything in Tier 1, plus ID verification and the Customer Questionnaire.                                                   |
| Tier 3           | Everything in Tier 2, plus Enhanced Due Diligence.                                                                           |

<Note>
  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.
</Note>

## Canada

| Tier   | What the customer completes                                                                         |
| ------ | --------------------------------------------------------------------------------------------------- |
| Tier 2 | Basic information, the Canada terms and conditions, and ID verification.                            |
| Tier 3 | Everything in Tier 2, plus the Customer Questionnaire.                                              |
| Tier 4 | Everything in Tier 3, plus Enhanced Due Diligence (including proof of income) and Proof of Address. |

## United Kingdom

| Tier   | What the customer completes                                                                                                                                                                                                                                                                           |
| ------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Tier 2 | Basic information, phone number, ID verification, a [tax identification number (TIN)](/platform/guides/kyc-data-requirements#tax-identifiers), UK Self-Categorisation, the Appropriateness Test, the Investment Risk Warning, the Customer Questionnaire, and Proof of Address on a risk-based basis. |
| Tier 3 | Everything in Tier 2, plus Enhanced Due Diligence.                                                                                                                                                                                                                                                    |

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

## European Economic Area

| Tier   | What the customer completes                                                                                                                                                                                            |
| ------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Tier 2 | Basic information, phone number, ID verification, a [tax identification number (TIN)](/platform/guides/kyc-data-requirements#tax-identifiers), the Customer Questionnaire, and Proof of Address on a risk-based basis. |
| Tier 3 | Everything in Tier 2, plus Enhanced Due Diligence.                                                                                                                                                                     |

<Accordion title="Countries in the EEA">
  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.
</Accordion>

## Australia and New Zealand

| Tier   | What the customer completes                            |
| ------ | ------------------------------------------------------ |
| Tier 2 | Basic information, phone number, and ID verification.  |
| Tier 3 | Everything in Tier 2, plus the Customer Questionnaire. |
| Tier 4 | Everything in Tier 3, plus Enhanced Due Diligence.     |

## Rest of world

Rest of world covers Latin America, Africa, most of Asia, and the Middle East.

| Tier   | What the customer completes                                                                                                                                                                                              |
| ------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| Tier 2 | Basic information, phone number, ID verification, a [tax identification number](/platform/guides/kyc-data-requirements#tax-identifiers) where the country requires it, the Customer Questionnaire, and Proof of Address. |
| Tier 3 | Everything in Tier 2, plus Enhanced Due Diligence.                                                                                                                                                                       |

<Note>Express Checkout is available in the United States only.</Note>

## Changes to tier requirements

Verification requirements evolve with MoonPay's compliance obligations. When
tier requirements change, the [changelog](/platform/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.