Requirements for Document Uploads - US & CA Merchants

For US & CA Merchants Applying for the Payments AI Gateway After September 1, 2023:

As payment industry regulations require, all account holders must pass KYC verification checks. We will try to verify your entity based on the information that you provide. However, in some cases, the automatic verification might fail. This could be due to incorrect data or the data can't be verified. In these cases we may ask you to provide additional documents such as a passport, bank statement, or a business registration document.

Documents for individuals

If your identity cannot be validated, we may ask you to provide a photo ID.

A photo ID is usually either a passport issued by the account holder's country, an identity card, or a driver's license. The name in the photo ID must match the name sent to us during onboarding.

If the names are different—for example, you used your married name to register but you passport has your maiden name—the photo ID check will fail.

The photo ID can be either a:

• Passport: Including the data page, with a picture, details, and the machine-readable zone clearly visible.
• ID card: Including both the front and back, each side in a separate file.
• Driving license: Including the both the front and back, each side in a separate file.

The photo ID must:

• Be non-expired.
• Have the machine-readable zone visible (if available).
• Be a physical photo ID document, not digital.

The uploaded document must:

• Have separate files for front and back of the ID document (only when providing an ID card or driver's license).
• Be a full color, cropped, and straightened image.
• Be a photo or a scan of the physical photo ID document. We do not accept a screenshot of a photo, a photo pasted on another document, a photo of a screen, or a photo of a printout.

We do not accept:

• Screenshots of ID documents. Instead, provide a photo or PDF of the document.

The document must meet the following file format and size requirements:

• Formats: JPEG, JPG, PNG, or PDF (maximum 2 pages)
• Size: minimum 1 KB, maximum 4 MB

Documents for Organizations

If the automatic verification for a business, nonprofit organization, a partnership, or a public company fails, we may ask for a copy of your registration document. Documents are verified asynchronously. On average, the check will take about two days to complete.

The company registration document must be:

• Issued by a reliable, independent source such as the national commercial register of the country where the business is registered in.
• Issued within the last one year, or contains a signature and a state of affairs with the date not older than one year.

The document must meet the following file format and size requirements:

• Formats: JPEG, JPG, PNG, or PDF (maximum 2 pages)
• Size:
  • PDFs and other formats: minimum 1 KB, maximum 4 MB

Documents for Bank Accounts

When we are unable to verify a bank account, we may ask you for a scanned bank statement.

The proof of bank account can be any of the following:

• Bank statements
• Deposit tickets or deposit forms
• Screenshots of their online banking environment
• Official letters issued by a bank
• Cheques

The proof of bank account must have:

• The account holder name.

  This must match the legal business name, trading (doing business as) name, or the name of the individual conducting business with Payments AI.

• The account number or IBAN needs to be visible.
• The date of issuance needs to be visible and needs to be dated less than 12 months ago. This requirement applies to all types of documents except cheques.
• The country where the bank account is located. 
• An indicator that the document was issued by a bank, such as the bank name, a bank logo or a bank-specific font.

We do not accept:

• Photos of bank-issued cards, such as credit or debit cards.
• Edited or personalized documents.
• Documents issued more than 12 months ago.
• Documents where required data points are missing.
• Documents with cut-off, blurry, or low-quality images.
• Documents issued by third party software platforms or programs.

Requirements for specific document types:

Direct deposit tickets and forms:

• Must contain a bank logo or bank letterhead.
• Can only be accepted with a stamp or signature from the bank.

Cheques:

• The name of the account holder, account number, and name of the financial institution or logo need to be printed (not handwritten).
• Security features need to be visible for cheques in US and CA.
• The account number and routing number need to be fully visible.
• We can only accept scans or direct photos of cheques.
• We can only accept electronic cheques issued by banks in CA.

Letters from bank or bank account agreements:

• Must contain a bank logo or a bank letterhead.
• All letters must have a stamp or signature from the bank.

The document must meet the following file format and size requirements:

• Formats: JPEG, JPG, PNG, PDF.
• No maximum on the number of pages for PDF.
• Size: minimum 1 KB, maximum 4 MB

IMPORTANT: If we are unable to verify any of your documents, this may delay approval of your account. In addition, a website review is part of the approval process. If your website is unfinished or simply says "coming soon", this will also delay approval.