Rights and limits

What the individual account can do, and what it cannot.

Individual rights and limits

An sk_live_ key of the personal application collects in production without prior KYC. If creating a payment returns 422 with an error on the kyc field, the account must first be verified (see Business merchant, step 3).
Some features are reserved for businesses (team management, scheduled withdrawals, mass payments): they return 403 to an individual account.
Sign-in by phone only (not by email and password).