Sender Identity Verification

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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 will 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 not accepted.
  • Must be provided in color
  • Remove excessive white-space & crop the image so it shows 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 you 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)
  • 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 a copy.  

For reference, IRS Form SS-4 Confirmation Letter looks like this example:
 



Payment Center

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  2. How to create a Sender account
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  12. Account Verification
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  14. How to perform micro-deposit verification
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  17. Bank Verification Trouble
  18. Outbound Sending Limits
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  27. Differences with the new Horizon Payment Center (October 2018)
  28. Sender Identity Verification

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