To ensure compliance and protect your business, we require certain documents during the onboarding process. This helps us verify your identity, assess your business, and activate your merchant account quickly and securely.
📂 What You'll Need to Provide
Depending on your business type and location, documentation may vary slightly.
Here's a standard checklist:
Note: Lock Trust application process works on AI. The system intelligently adapts to the information provided in prior questions, ensuring that only relevant fields are displayed based on responses. It instantly adjusts based on context and assists merchants in getting approved by showing only the fields tailored to their business profile.
🔐 Personal Identification
- Any valid Government-issued photo ID (e.g., driver’s license or passport)
- Social Security Number (U.S. sole proprietors) or national ID, where applicable
🏢 Business Verification
- Business license or registration certificate
- Articles of incorporation or formation
- EIN/TIN (Employer Identification Number or Tax ID)
- Operating agreement (for partnerships/LLCs)
- DBA (Doing Business As) certificate, if applicable
🏦 Banking Information
- Voided business check or official bank letter
- Business bank account details (routing and account numbers)
📊 Business Profile
- Description of goods/services sold
- Estimated monthly processing volume
- Website URL or app link (if selling online)
📄 Proof of Address
- Recent utility bill, lease agreement, or bank statement (within the last 90 days)
💡 Optional or Additional (Depending on Industry)
- PCI compliance certificate (for e-commerce)
- Refund and privacy policy (for online sales)
- Supplier invoices or proof of inventory
- Licensing or certifications (for regulated industries)
⏱️ Review Timeline
Once submitted, your information is reviewed within 1–3 business days. Missing or incorrect information may delay approval.
❓Need Help?
Contact [Support] if you're unsure which documents apply to your business.
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