Source of funds
Which documents satisfy a source-of-funds request by business type, what makes a document acceptable on the first try, and why we ask even after onboarding.
Accepted documents by business type
| Your business model | Best documents |
|---|---|
| Services / agencies / consultancies | Client invoices and the matching contracts or statements of work; bank statements showing the client payments arriving |
| E-commerce / marketplace sellers | Marketplace payout reports (Amazon, Mercado Libre, Shopify, etc.) showing payouts to your account; processor settlement reports |
| Exporters / importers / goods traders | Commercial invoices, purchase orders, shipping documents, and bank statements showing the trade flow |
| Software / SaaS | Subscription revenue reports from your billing provider; invoices for enterprise contracts |
| Investment-funded startups | The investment agreement (SAFE, equity round) and the bank statement showing the funds arriving |
| Any business | Recent business bank statements (typically 3–6 months) — the universal fallback that contextualizes everything else |
What makes a document acceptable
Reviewers check three things. A document that passes all three resolves the request on the first submission:
- Name match. The document names your verified business (or, for owner contributions, the verified owner). Documents in a different company's or person's name need an explanation and supporting paperwork.
- Recency. The document covers the period relevant to the funds in question. Old invoices don't explain new money.
- Legibility and completeness. Full pages, readable amounts and dates, official PDFs or flat scans — not cropped phone photos or edited screenshots.
Reviews typically complete within the same timeline as standard verification — check your email for updates.
Why this happens — and why we ask again after onboarding
Source-of-funds checks aren't a one-time onboarding step. Financial regulations require ongoing monitoring: when your activity changes — larger payments, new corridors, new counterparties, or volume that outgrows your original profile — we're required to refresh our understanding of where the funds originate. Being asked again doesn't mean something is wrong; it means your account is growing past what we previously documented.
Common questions
The funds came from my personal savings. What do I send?
A personal bank statement showing the savings and the transfer into the business, plus your ID matching the account holder. A short note explaining the contribution helps.
My client won't let me share the contract. Now what?
Invoices plus bank statements showing the client's payments are usually sufficient. If confidentiality is a real constraint, tell support — alternatives can be discussed.
What happens if I don't respond?
The related payment or feature stays paused, and extended non-response can lead to account restriction. Responding promptly — even to say you need a few days to gather documents — keeps things moving.
Related articles
- Why is my payment under review? Compliance holds explained
- Business verification by country
- Requesting higher limits
Still need help?
If this article didn't resolve your issue, see our support channels, message us on WhatsApp at +1 (787) 468-5842, or open a support ticket — we typically respond within 24 hours.