Identity verification is only required for Sender accounts (for your business) and is not required for Receive-Only personal accounts (for your users).
In order to comply with US financial regulations & laws, you will be required to verify your personal identity as well as the identity and your affiliation with the business you are representing. This must be performed and exceptions cannot be granted as this is required by US financial regulations & laws. Most business accounts will be required to supply documentation for verification. In some cases, our automated systems may be able to perform that verification without additional documentation, but this is usually rare. Additional documentation will be required in most circumstances. If additional documentation is required, you will see the following prompt:
To start the document upload process, click on the Add Document button.
Alternatively, you may also see this view on your Account Overview tab:
To start the identity verification documents upload, click on the words Additional Documentation Required.
Personal Identity Verification
This process will verify the identity of the user in control of a business Sender account. It is not required for Receive-Only accounts. To complete this verification, when prompted, you must supply one identity verification document in the following format:
Driver's license, passport, or government photo ID
Must be a photo in JPG, JPEG, or PNG format. PDF files are not accepted.
Must be provided in color
Remove excessive white space & crop the image to show just your ID. See the example below. Your ID should occupy at least 90% of the displayed file space.
Must be bright, clearly legible, not blurry, and not obstructed by glare or a camera flash
The document, including ID numbers, must not be obscured or redacted in any way.
Must not have any other objects displayed in the photo near, around or under your ID. Example: Don't put a piece of paper under your ID
Business Identity Verification
This process will verify that your business is a legitimate entity and that you are authorized to conduct business on behalf of this entity. To complete this verification, when prompted, you must supply one business document in the following format:
One of the acceptable business verification documents (see below)
It must be in PDF format.
Must be bright, clearly legible, not blurry, and not obstructed by glare or a camera flash
The document, including ID numbers, must not be obscured or redacted in any way.
Must not have any other objects displayed in the photo near, around, or under your document.
A W-9 form is not acceptable
A bank statement is not acceptable
Acceptable Business Verification Documents
The accepted documents for verifying your business vary, depending on the type of business
Sole Proprietorship:
Government Issued Registration of DBA and/or Trade Name
Government Issued Business License
Government Issued Sales/Use Tax License
IRS issued EIN documentation (IRS-issued SS4 confirmation letter)
Government Stamped Fictitious Business Name Statement
Government Certificate of Assumed Name
Color copy of a valid government-issued photo ID. Only accepted if you're using your SSN as your business tax ID. A photo ID is not acceptable in most cases.
LLC, Corporation, or Partnership:
IRS issued EIN documentation (IRS-issued SS4 confirmation letter)
Filed & Government Stamped Articles of Organization or Incorporation
Government Issued Sales/Use Tax License
Government Issued Business License
Government Stamped Certificate of Good Standing
The most commonly provided business verification document is an IRS issued EIN confirmation letter, otherwise known as IRS Form SS-4 Confirmation Letter, as this is acceptable for any business type. This is issued by the IRS when they issue you a new EIN tax identification number. The IRS can issue copies to you if necessary. Occasionally, the banking institution that is operating your current business bank account may also be able to provide you with a copy.
For reference, IRS Form SS-4 Confirmation Letter looks like this example:
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