---
title: Merchant KYC/AML Requirements
description: Learn what business, ownership, banking, identity, and underwriting information may be required during merchant onboarding.
---

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# Merchant KYC/AML Requirements

## In this article, you will learn what KYC/AML information may be required during merchant onboarding. KYC/AML requirements help confirm business identity, ownership, authorized users, and other information needed for review.

### Cashflow.io or its partners may need to collect:

- Business identity information
- Beneficial ownership information
- Authorized signer details
- Government-issued ID, where required
- Business registration documents
- Banking information
- Processing history
- Website or proof of business activity
- Processor-specific underwriting documents

### **EFT/ACH application documents**

For direct bank payments through EFT in Canada or ACH in the US, merchants are recommended to have the following documents available:

- BIN or business incorporation information
- Void cheque less than 6 months old
- Identification for shareholders or owners, such as a driver’s license

### **How KYC/AML data may be collected**

Approved collection methods may include:

- Secure Cashflow.io onboarding form
- Partner Portal submission
- Direct merchant submission
- Processor or gateway underwriting process
- Secure document upload

Do not collect or transmit sensitive merchant data through unsecured channels.

### **Important notes for partners**

Partners should not promise:

- Guaranteed merchant approval
- Guaranteed processing rates
- Instant onboarding
- Legal or compliance advice
- Custom pricing without Cashflow.io approval
- Integration timelines without technical review

If a merchant has questions about requirements, contact Cashflow.io support or your Cashflow.io representative.

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