Acctual lets you start invoicing and receiving payments immediately by adding your own payment details to your invoices — no verification required to begin.
You only need to complete verification if you want to enable Flexible Payment Options, which allow your clients to pay however they prefer (bank transfer, crypto, etc.), while you receive funds in the method you choose. Acctual handles conversion, routing, and matching automatically.
If you're not ready yet, you can skip verification and continue invoicing normally.
When Verification Is Required
How you receive payment | Verification Required? | Who moves the funds |
You add your own payment details (bank or wallet) to invoices | No | You and your client |
Flexible Payment Options (client pays their way → you receive your way) | Yes | Acctual routes payments
|
Why verify your account?
Verification unlocks flexible payment options and provides additional benefits:
Offer multiple payment methods to clients
Your clients can pay with crypto, bank transfer, or card — whichever is easiest for them — while you always receive funds in your preferred method.
Get paid faster
Automated payment matching means you don't have to manually confirm payments or chase clients for proof of payment.
Comply with financial regulations
As a payment platform, we are required by law to verify the identity of our users. This includes compliance with Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations in the jurisdictions where we operate.
Build trust with your clients
A verified account shows your clients that you are a legitimate business operating on a secure, compliant platform.
Freelancer verification process
If you selected Individual when creating your account, you will complete the verification process.
When to complete for freelancers
Account verification can be triggered in several ways:
During initial setup – When you first create your account, you will be prompted to set up flexible payment options. This will start the verification process.
From the payments page – Go to payments in the main navigation and click "Verify your identity".
From settings – Go to settings → Payments tab → Add your payment method → and click "Verify your identity".
When adding a payment method – When you try to add a wallet or bank account (USD/EUR), you will be prompted to complete account verification if you haven't already.
Step-by-step: Freelancer verification process
Step 1: Start verification
You can start verification from any of these locations:
Payments page in the main navigation
Settings → Payments tab
Or it will automatically prompt when you try to add a payment method
Click "Verify your identity" to begin the verfication process.
Step 2: Provide personal information
You will be asked to enter:
Full legal name (as it appears on your ID)
Date of birth
Residential address
Nationality
Make sure all information matches your official documents exactly.
Step 3: Upload identity document
You will need to upload a clear photo or scan of a valid government-issued ID. Accepted documents include:
Passport
Driver's license
National ID card
Foreign IDs are accepted as long as they are government-issued and valid.
Requirements:
Document must be current (not expired)
All text must be clearly visible
All four corners of the document must be in frame
No glare or shadows
Step 4: Upload proof of address
You will need to upload a document that shows your current residential address. Accepted documents include:
Utility bill (electricity, water, gas)
Bank statement
Government-issued document with address
Requirements:
Document must be dated within the last 3 months
Your name and address must be clearly visible
Must match the address you provided in Step 2
Step 5: Selfie verification (required)
You will be asked to take a selfie to confirm your identity. Follow the on-screen instructions to complete this step using your device's camera.
Tip: Make sure you initiate facial and head movement to trigger the camera.
Step 6: Submit for review
Once all documents are uploaded, review your information and click "Submit for review". You will receive a confirmation that your application has been submitted.
Required verification documents
Document Type | Examples | Requirements |
Government-issued ID | Passport, Driver's License, National ID (foreign IDs accepted) | Must be current, all text visible, all corners in frame |
Proof of Address | Utility bill, Bank statement | Dated within last 3 months, name and address visible |
How long does verification take?
Verification times vary depending on the type of account and the complexity of your submission.
Account type | Estimated processing time |
Freelancer verification | A few minutes to 24 hours |
What affects processing time:
Completeness of submission – Missing or unclear documents will delay processing
Volume – During high-volume periods, processing may take longer
You will receive an email notification once your verification is complete, whether approved or if additional information is needed.
Geographic restrictions
Due to international regulations, Acctual is not available in certain countries and territories.
We cannot provide services to individuals or businesses located in or operating from any of the countries listed below, whether classified as restricted. However, please reach out to support@acctual.com in the case your country is not supported.
Restricted countries
Country | Country code |
Cuba | CUB |
Iran | IRN |
North Korea | PRK |
Syria | SYR |
Ukrainian Territories (Crimea, Sevastopol, Donetsk, Kherson, Luhansk, Zaporizhzhia) |
|
Afghanistan | AFG |
Bangladesh | BLR |
China | CHN |
Congo | COD |
Gaza Strip | PSE |
Haiti | HTI |
Iraq | IRQ |
Lebanon | LBN |
Libya | LBY |
Morocco | MAR |
Mozambique | MOZ |
Nepal | NPL |
Nicaragua | NIC |
North Macedonia | MKD |
Pakistan | PAK |
Qatar | QAT |
Russia | RUS |
Somalia / Somaliland | SOM |
South Sudan | SSD |
Sudan | SDN |
Venezuela | VEN |
West Bank (Palestinian Territory, Occupied) | PSE |
Yemen | YEM |
Common issues and solutions:
If you encounter issues during the verification process, the verification modal will prompt you with specific guidance on what needs to be corrected.
Blurry or unclear documents
The verificatioin modal will alert you if your documents are not clear enough. Re-upload clear, well-lit photos with all text visible and no glare.
Expired ID
The system will notify you if your ID has expired. Upload a current, valid government-issued ID.
Information mismatch
If the information on your documents doesn't match what you entered, the modal will prompt you to correct it. Ensure the name and address on your documents match exactly what you entered in the application.
Document not accepted
The modal will indicate if a document type is not accepted. Check the list of accepted documents above and upload an appropriate document type.
Missing beneficial owner information
For business accounts, the system will prompt you if beneficial owner information is incomplete. Provide complete information and documents for all individuals who own 25% or more of the business.
Address proof too old
The modal will notify you if your proof of address is older than 3 months. Upload a document dated within the last 3 months.
Country not supported
We are actively working on expanding country support. If your country of origin is restricted please reach out to support@acctual.com and will try our best to assist.
Still having trouble?
If you're still having issues after following the prompts in the verification modal, please:
Email our support team: support@acctual.com
File a ticket through in app support chat: Click the chat icon in the bottom right of your screen
Next steps after verification
Once your account is verified, you can:
Set up flexible payment options – Learn how to configure flexible payment methods
Adding manual payment methods - Learn how to add manual payment methods
Send your first invoice – Create and send an invoice
Connect your accounting system – Integrate with QuickBooks or Xero