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Application & verification

Initial applications: MK, AL, RS, BA. Choose Business Commerce or Individual MoR before starting.

Kordiva English application entry: email and Continue
Real Kordiva application entry in a local TEST setup. The example email was not submitted. Country fields and verification are not shown. Open full size.

Application and review

Section titled “Application and review”
  1. From the public Kordiva website, click Apply for access and enter your email, then Continue.
  2. Select legal country and registration type. Provide the requested contact/activity information and submit only accurate details.
  3. Wait for the Kordiva application decision. Pending means review is unfinished; Approved is application approval, not LIVE payment activation.
  4. For Business, complete Onboarding → Organization using the country-specific identifiers. For Individual, complete the natural-person profile and select the Individual plan.

Payment onboarding

Section titled “Payment onboarding”
  1. Open the store’s payment onboarding screen. Individual uses Individual payment onboarding; Business follows its own payment setup.
  2. Choose Continue payment onboarding when available. Personal identity and bank information belong in the secure hosted flow, not a support attachment.
  3. Return to Kordiva and check the verified status. Not connected means no payment connection; Action required or a pending verification message means requirements remain; Successfully connected is the payment-onboarding result in that environment.
  4. If returning from the hosted flow does not update status, use the available recovery/check action once and ask support if it remains unresolved. Do not repeatedly create accounts.
  5. Verify separate LIVE activation, account capabilities, bank currency/controls and buyer-market coverage. A completed TEST identity does not activate LIVE.
Kordiva Business Stripe connection completed status and Go to payments button
Real Business connection status: You’re successfully connected. Go to payments opens the payment area. This confirms only the displayed connection state for this Business store; it is not Individual, country-wide or buyer-market approval. Open full size.

Country and model boundaries

Section titled “Country and model boundaries”

Business companies/sole traders remain legal sellers. Individual uses recipient-only Express transfers under Kordiva LLC as MoR; it does not require Business registration identifiers or UJP. AL, RS and BA use English CMS/application guidance and never require Macedonian identifiers.

MK Business payout instructions apply only to that supported Business flow; do not extrapolate MKD settlement to other countries or Individual. Model-specific seller agreements and acceptance require separate evidence.

Common blockers

Section titled “Common blockers”

Incomplete application, inactive seller, missing plan, pending provider requirements or unconfirmed country/account configuration can disable onboarding. Resolve the underlying review; do not change country, model or environment as a workaround.

Section titled “Related guides”

Four-country requirements · Individual setup · TEST vs LIVE · Market status