Escrow Safe Trade is live: protect your next high-value deal Learn more
ProductsPayment links & checkoutM-Pesa, cards, invoices, split payoutsEscrow Safe TradeMilestone and release-based escrowWallets & P2PPersonal and business walletsChama, Lengo & DeniGroup savings, goals and IOUsBusiness toolkitAccounting, payroll, POS, ticketingBulk payments & payrollPay many people in one uploadSubscriptions & billingRecurring plans and renewalsRent, loans & donationsCollections and campaignsAll products
SolutionsMerchantsBuyersChama groupsBusiness solutionsIndustries
Pricing
DevelopersDeveloper overviewQuickstart, auth and sandboxREST APIsCheckout, invoices and requestsWebhooksSigned, real-time eventsWallet-as-a-ServiceVirtual sub-accountsDocumentationGuides and API reference
Security
CompanyAbout usCareersPartnersBlogHelp centreContact us
Log in Get started Talk to sales
Accept payments

Compliance & Trust

Why a request can be refused with a 403 until a business is verified, and what the Gold and Platinum trust tiers change.

Base URLhttps://api.paysasa.com/api/v1Authx-api-keyFormatJSON

Money movement for a business is gated by verification status and optional owner KYC. Trust badges (Gold / Platinum) are granted by the platform on top of a verified business — they cannot be set via the merchant API.

Blocked until verified (default): checkout, Lengo, WaaS, business withdrawals, and related money operations. Personal withdrawals may also require user KYC.

What to do: complete KYC, then wait for business verification in the dashboard (/dashboard/kyc).

Error codes (HTTP 403): business_unverified, business_suspended, owner_kyc_unverified, kyc_required_for_withdrawal.

Trust tiers#

TierSettlementExtras
standardMerchant settlement delay appliesDefault
goldImmediate (no hold)Granted after verification
platinumImmediateFee discount + higher business withdrawal limits

Field trust_tier appears on business payloads as read-only. POS and other integrators should treat verification 403s as onboarding states that require merchant verification.