Merchant Onboarding
Merchant Compliance Requirements
What compliance documents merchants must provide for onboarding.
Cresora requires compliance documentation from merchants during onboarding. Requirements vary by merchant type and risk profile.
Standard required documents
All merchants:
| Document | Description |
|---|---|
| Business registration | Articles of incorporation, business license, or equivalent |
| EIN verification | IRS EIN confirmation letter (US businesses) |
| Ownership information | Names and % ownership of all owners with 25%+ stake |
| Bank account verification | Voided check or bank letter for settlement account |
Additional documents by merchant type
| Merchant type | Additional requirements |
|---|---|
| Healthcare | Professional license, HIPAA acknowledgment |
| Legal services | State bar license or law firm registration |
| Financial services | State money transmitter license or exemption letter |
| Non-profit | IRS 501(c) determination letter |
| High-risk MCC | Enhanced due diligence package (contact Cresora) |
Document expiry
| Document | Typical expiry |
|---|---|
| Business registration | Varies by state (typically annual) |
| Professional licenses | Annual renewal |
| Bank account verification | No expiry unless account changes |
Cresora sends expiry reminders to you and your merchant 60 and 30 days before a document expires.
Submitting documents
Documents are submitted through the Partner Portal during the merchant application:
- Merchant Management → New Merchant or Edit Merchant
- Navigate to the Documents tab
- Upload each required document
- Click Submit for Review
💡Tip
Upload all documents before submitting the merchant for review. Incomplete submissions add 1–3 days to review time as Cresora follows up for missing documents.