How do I complete identity (KYC) verification? What should I do if it’s rejected or taking too long?
To complete your identity verification (KYC), follow these steps:
- Go to Settings → Identity / Verification → select your country.
- Upload a clear photo of your government-issued ID and, if requested, a proof of address.
- Make sure all personal details exactly match your documents (name, date of birth, address, etc.).
- Accept any terms to finish the process.
- Refresh the page or log out and back in.
- Try using a different browser or device.
- Use the direct verification link sent by our support team.
- Send screenshots of the issue if it persists.
- The country or region isn’t yet supported by our verification provider. You can check the full list here:
- The address is in New York or Alaska, which are not supported regions. Try entering a different address.
- The photos are unclear or documents expired — please re-upload clearer ones.
- Send or receive money between bank accounts (on/off-ramp)
- Pay QR codes in Argentina or Brazil
If the flow seems stuck, try these quick fixes:
⏱ Timing:
KYC reviews are usually completed within 15 minutes, but if the system requires an extended review, it may take up to 24 hours.
If more than 24 hours have passed, please contact Peanut support so we can check or escalate your case.
🚫 Common rejection reasons:
💡 Important:
KYC is not mandatory to use Peanut.
You only need to verify your identity if you want to:
These checks are required due to regulatory and compliance obligations for handling fiat payments.
How do I pay Mercado Pago or PIX QR codes using Peanut?
To pay with Mercado Pago or PIX QR codes through Peanut, you must first complete KYC verification.
You can verify your identity if your country is included in our supported countries list.
📝 It’s not mandatory to have Argentinian or Brazilian documentation — you only need to be verified from an eligible country.
🔍 Steps to pay with a QR code:
- Open the Peanut app.
- After your KYC is approved, tap “Pay with QR.”
- Scan the merchant’s QR code.
- Confirm the amount and currency.
- Complete the payment.
If the QR doesn’t scan properly, or the currency or amount appears incorrect, try:
- Refreshing the screen and re-scanning.
- Trying a new QR code.
- Contacting Peanut support if the issue persists.
⚠️ Paying to ALIAS, CBU/CVU, or PIX KEY
Currently, these direct payments have specific regional restrictions:
- Argentina users:
Only users verified with an Argentinian ID can send funds directly to their own CBU/CVU (bank) accounts.
Transfers to third-party accounts are not allowed.
- Brazil users:
Only users verified with a Brazilian ID can send funds directly to their own PIX key.
Transfers to third-party PIX keys are not allowed.
If you are verified with a different country’s ID and try to send to a CBU/CVU alias or PIX key, you’ll be asked to complete a new verification using an Argentinian or Brazilian ID (depending on the feature).
🚫 Important:
Some merchants only accept bank transfers (sending directly to an alias or PIX key).
👉 Peanut doesn’t support direct transfers yet — only QR code payments are available for now.
How do I deposit money into Peanut or transfer funds from my bank account?And what is the Deposit Message requirement?
You can add money to Peanut in two ways: bank transfer (fiat) or crypto deposit.
Each method has its own requirements — here’s how it works:
Depositing money from your bank account (fiat)
To deposit money from your bank, you must be KYC-verified.
🔹 How to deposit:
- Open the Peanut app
- Go to Add → Deposit
- Select your country/bank method
- You’ll see bank account details and a Deposit Message / reference code.
- Make the transfer from your bank and include the exact Deposit Message in your payment description
⚠️ Why the Deposit Message is important
The Deposit Message allows Peanut to match your bank transfer to your account.
If you don’t include it exactly as shown, one of these will happen:
- Your deposit won’t be credited
- Funds are usually returned automatically by your bank (takes 2–10 business days)
If your transfer is taking longer than expected, contact support.
🌍 Supported currencies
Peanut currently supports EUR, USD, MXN (Mexico), ARS (Argentina) and BRL (Brazil) deposits.
Other currencies are not supported yet for deposits. Native GBP support is coming soon.
Depositing crypto
Peanut natively runs on Arbitrum USDC.
🟦 If you want to deposit USDC on Arbitrum:
- Copy your Peanut main deposit address
- Send USDC (Arbitrum)
- Funds arrive instantly
🌐 If your funds are on another chain or token:
- In the app, choose Add → Other tokens
- Enter the amount, token, and chain
- It will generate a temporary deposit address
- Send the transaction before the timer expires
(If it expires, the deposit won’t be recognized)
Important: Even if you have your address saved, you should always start the deposit flow inside the app so Peanut can match the deposit.
🛑 Avoid incorrect deposits
- Do not send funds from a chain that is not Arbitrum to your main deposit address
- Only Arbitrum USDC is accepted at the main address
- Any other chain → funds will not auto-arrive
🔄 If you mistakenly sent funds:
If the mistaken deposit was:
- On Arbitrum but not USDC
→ you can recover it using: https://peanut.me/recover-funds
(You must be logged in for the link to work)
- On a different chain entirely
→ Contact support with tx details; recovery may not be possible depending on the chain.
My payment was deducted but the transaction was cancelled or not received — what should I do?
If money was deducted from your account but the payment appears cancelled, failed, or the merchant didn’t receive it, don’t worry — your funds are safe. Here’s what to do:
🧾 1) Collect all transaction details
Before contacting support, gather:
- Amount sent
- Date and time of the payment
- Screenshot of the payment status inside Peanut
This information helps us review your case quickly.
📩 2) Contact Peanut Support
Go to peanut.me/support and send your transaction details.
💸 3) Refund timeline
Usually the Refunds are processed in 48hr.
🔒 Important
Your funds are never lost — cancelled or failed transactions are automatically reversed by the provider once confirmed.
How do passkeys work? And how can I log in on my mobile if I created my account on my computer?
Peanut uses passkeys, which are stored in your device’s own system:
- Apple devices: iCloud Keychain
- Android/Chrome devices: Google Password Manager
To log in on another device:
- Make sure you’re signed into the same Apple ID or same Google account
- Make sure passkey syncing is turned on
Your passkey will then appear automatically on your other device.
🧩 If your devices are from different ecosystems
Example: you created your account on a Mac (Apple) but want to log in on Android.
Passkeys don’t transfer between Apple and Google.
👉 In this case, the best option is to create a new account on the device you’ll use the most.
How do I install or access the Peanut app?
Peanut is a web app, so there’s nothing to download from the App Store or Play Store.
Just open it in your mobile browser and add it to your home screen.
📱 On iPhone (Safari)
- Open peanut.me
- Tap Share
- Select Add to Home Screen
This creates the Peanut app icon on your phone.
🤖 On Android (Chrome)
- Open peanut.me
- You’ll see a prompt asking to Add Peanut to Home Screen → tap it
- If you don’t see the prompt, open the three-dot menu → Install App
🔁 If you deleted the app
Just open peanut.me again and re-add it using the steps above.
⚠️ Important
If you have issues with:
- Camera access
- QR scanning
- Passkeys
Open peanut.me directly in your native browser (Safari or Chrome), not inside the PWA.
If I cancel a purchase or return a product, will I get my USDC back?
You must contact the merchant directly.
Each merchant handles their own return and refund policies
Peanut cannot process or force refunds — only the merchant can issue them.
About Fiat Transfer Compliance
All fiat transfers comply with the regulation that concerns the local on/offramping provider. Regulation changes constantly and Peanut only works with compliant parties.