Overview
When a merchant application is submitted, the business and its owners are verified automatically using the details in the application. If something is incomplete, outdated, or can't be matched to public records, additional documents will be requested.
To avoid delays in onboarding and payouts, make sure any documents you upload meet the requirements below.
Document Quality Requirements
Clear and legible: high resolution, with no blur or glare.
Complete: all four corners of the page or ID are visible, with nothing cropped.
Current: IDs must be unexpired. Bank statements and utility bills should usually be dated within the last 3–6 months.
Matching: the names and addresses on the documents must exactly match the application, including the legal business name.
Documents That May Be Requested
1. Individuals (owners, signatories and sole proprietors)
Photo ID: passport, driver's license or national ID card
Live selfie: for real-time identity verification
Proof of ID number: for example, a Social Security card or the local equivalent
Proof of residential address: a utility bill or bank statement
Tax and financial documents: tax ID, and for higher-volume accounts, proof of source of funds or wealth
2. Companies (corporations, LLCs and similar)
Registration documents: articles of incorporation or a business license
Ownership and signatory proof: documents showing who owns the company and who can sign for it
Operating proof: proof of industry, business address, and tax or VAT documents
Financial background: proof of source of funds or wealth, if requested
3. Sole Proprietorships
Business registration or a DBA ("Doing Business As") certificate
Proof of address linking the owner or business name to the operating address
4. Bank Account
Bank statement: a recent statement showing the bank's logo, the account holder name, and the full account number or IBAN.
Or a bank letter with the same details, if a statement isn't available.
If a Document Is Rejected
You'll see a notification in the portal. The most common reasons are blurry images, cropped edges, or a name mismatch between the document and the application. To fix it:
Check that the legal name on the document matches the legal name on the application exactly.
Upload a different official document, such as a bank letter instead of a statement, that clearly shows the correct details.
If the mismatch is because the business operates under a different legal entity, a new application for that entity may be needed.
Not sure which document to provide? Contact your support team, or select Contact Support in the messenger.