UBO: What and why?

A UBO is the Ultimate Beneficial Owner of a company.

The ultimate beneficial owner (UBO) is:

  • Anyone who controls the company or on whose behalf a transaction is carried out, including at least individuals who own more than 25% of the shares (directly or indirectly).
  • If no one falls under the first category, the executive person or persons are considered the UBO.

The Payconiq Merchant contract must identify - in compliance with money laundering legislation and to avoid terrorist financing - all persons falling into one or both of the above categories. This means that for each person, their full details, including a copy of their proof of identity, must be provided.

For more information on identifying a UBO in your company, non-profit organisation or foundation, please see the UBO manual on the Federal Public Service Finance website.

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