Article facts
| Field | Visible value |
|---|---|
| Is onboarding the end of the review? | No |
| What continues | Ongoing transaction monitoring and periodic review |
| Customer obligation | Notify material changes promptly |
| Can a service be limited while a review runs? | Yes |
| Does a repeat check imply suspicion? | No |
| Last reviewed | 2026-09-09 |
What ongoing monitoring is
Transactions may be reviewed to determine whether they are consistent with the customer's declared business model and approved account profile. Where they are not obviously consistent, supporting information can be requested for a payment — an invoice, a contract, a settlement report or an explanation of the underlying commercial activity.
Monitoring is not an opinion about the company. It is how a payment service meets obligations that continue for the life of the relationship.
Changes you should report without being asked
Notify 2PayApp promptly of material changes involving:
- ownership or directors;
- business activity;
- products or services;
- website domains;
- acquiring providers;
- operating jurisdictions;
- expected transaction volumes;
- source of funds;
- regulatory status.
Reporting a change early is faster and cheaper than explaining an unexpected payment afterwards. A new website, a new acquirer or a new market is exactly the kind of change that makes normal activity look inconsistent with an old profile.
Why a review can be triggered
- a periodic review falls due;
- activity differs materially from what was expected;
- a new counterparty, corridor, currency or flow appears;
- ownership or control changes;
- a document has expired;
- a screening or fraud control requires updated information;
- a provider or legal requirement changes.
What happens while a review runs
Depending on the reason, the account may continue to operate normally, a specific payment may be held, or a service may be restricted. What is affected should be communicated through the channel named in your agreement.
Frequently asked questions
We were approved. Why ask again? Approval reflects the profile at the time. Obligations and circumstances both continue.
Do we have to report a new acquiring provider? Yes. Acquiring providers are on the list of material changes.
Does a repeat request mean we are under suspicion? No. It can be periodic, product-related or triggered by a change.
Can we refuse to provide the information? You can, but the affected service may then be restricted, suspended or ended under the applicable terms.
This article is explanatory. The applicable customer agreement, policies and legal obligations prevail if they differ from it.