# Upgrading your account

Before upgrading your account, you can only interact with iPay in BASIC MODE. All of iPay's features are available in **BASIC MODE**; however, there are limits on your total collections, payouts and payment options available to you. 

{% hint style="info" %}
**Kindly refer to our** [**pricing**](https://www.ipaygh.com/pricing) **for more information**.
{% endhint %}

To upgrade your account to **STANDARD MODE** with no limits and enable card payments, you will be required to be registered business or organization and provide the following additional information:

#### :digit\_one: Business Registration Documents:

* Certificate of Incorporation 
* Certificate to Commence Business 
* Form 3

#### :digit\_two: Director's Documentation

* Tax Identification Number (TIN) certificate 
* A valid Photo ID (National ID, Driver’s License or Data page of Passport) 
* Residential Address with Proof of Residence

{% hint style="info" %}
Simply send an email to[ **support@ipaygh.com**](https://www.ipaygh.com/) with the required documentation, stating your account name and number. 
{% endhint %}

 :no\_entry: Please ensure that your corporate bank account matches your business registration and your website or sales channel represents it. \
 :no\_entry: If you sell online, kindly ensure your online store is active with a verifiable website or social media address, shipping/delivery policy, returns and refunds policy clearly documented and visible to your customers. 

Once you have submitted your application for account upgrade, our back office team will review your application and approve it for an upgrade, if you have sufficiently provided all the information required to upgrade your account. \
 :no\_entry: If we see a problem, we will get in touch right away to resolve it as quickly as possible.

## :no\_entry\_sign: Businesses we do not support for Online Card payments:

| **Category**                         | **Description**                             |
| ------------------------------------ | ------------------------------------------- |
| Travel Agencies and Tour Operators   | Travel arrangements, tours, charters        |
| Telecom Sales and Equipment          | Telecommunication devices                   |
| Telecom Services                     | Telecommunication services                  |
| Computer Network Services            | Internet service providers                  |
| Wire Transfers and Money Orders      |                                             |
| Drugs, Proprietaries & Sundries      |                                             |
| Drug Stores and Pharmacies           |                                             |
| Direct Marketing - Travel            | Includes discount clubs                     |
| Direct Marketing - Catalog           | Mail and telephone orders                   |
| Direct Marketing - Outbound          | Mail and telephone orders                   |
| Direct Marketing - Inbound           | Teleservices, audio & videotext             |
| Direct Marketing - Subscription      | Recurring subscriptions                     |
| Direct Marketing - Other             | Radio and TV sales                          |
| Cigars, Tobacco                      | Includes stands                             |
| Timeshares                           | Rentals, leases and sales                   |
| Adult Dating and Escort              | Various dating services                     |
| Video Tape Rental Stores             | Adult content                               |
| Ticketing Agencies                   | Secondary ticketing                         |
| Video Games and Arcades              | Skill Games requires registration           |
| Betting and Casino Gambling          | Online casino, lottery, wagers              |
| Government Services                  | State Lottery Requires Registration         |
| Non-Governmental Organizations (NGO) | Charitable and Social Service Organizations |
| Import and Export companies          |                                             |


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