To accept international payments on Refrens, KYC is necessary for the users. You can mail all these documents to compliance@refrens.com


KYC for individuals like freelancers: (For Indian Users)


A. Proof of Address:- Aadhar card


B. Owner details with ID (Preferably Passport/ PAN mandatory)


C. Online presence: Website or Professional Network Profile or Upwork/Fiverr/freelancer profile



KYC for Businesses:  (For Indian Users) 


A. Incorporation Documents

    1. Certificate of incorporation

    2. Memorandum and Articles of Association

    3. Register of Shareholders and Directors (to be endorsed by a director, dated within the last 4 months)


B. GST Registration


C. Business PAN (Mandatory for Indian users)


D. Online presence: Business Website (Optional)


KYC for individuals (for Non-Indian Users):


A. Proof of Address:- Recent bank statement or Utility Bill


B. Owner details with ID which should include:

       1) Photo

       2) Full Name including Aliases

       3) Unique Identification Number

       4) Nationality

       5) Date of Birth


C. Online presence: Website or Professional Network Profile or Upwork/Fiverr/freelancer profile



KYC for Businesses (for Non-Indian Users):


A. Incorporation Documents

    1. Certificate of incorporation

    2. Memorandum and Articles of Association

    3. Register of Shareholders and Directors (to be endorsed by a director, dated within the last 4 months)


B. Proof of Business Address (Proof of address documents should be dated within the last 6 months) -Refer attached word file for the documents accepted


C. Name of all the Directors & Shareholders (>25% shareholding) with ID cards and address proof (Identification Document is required for all Directors listed in the Register of Directors.)

    - Passport OR

    - Foreign ID document submitted must fulfill the following criteria:

        1) Photo ID

        2) Full Name including Aliases

        3) Unique Identification Number

        4) Nationality

        5) Date of Birth


D. Online presence: Business Website