Applying for Lightspeed Payments

Lightspeed Payments is available in the US, Canada, Australia, UK, Netherlands, Belgium, and Ireland.

Lightspeed Payments is the simplest way to integrate your payment processing with Lightspeed Retail. Because Lightspeed Payments lives within Retail POS, this enables you to both run your business and manage your transactions all in one seamless Lightspeed experience.

Required information to apply for Lightspeed Payments

Lightspeed Payments and payouts will only be enabled in your account once all required information has been collected and verified.

In order to process your application as quickly as possible, it is important that you provide accurate information. The information you are required to provide includes:

Required information in the United States
- Identification information: Valid identity documents that include your home address and SSN, as required by FINCEN. Lightspeed reserves the right to run a credit check if necessary.
- Legal business name: Sole Proprietorship/LLC/Corporation name that you registered with the Secretary of State. Your business needs to maintain a status of Active or In Good Standing.
- Tax ID (FEIN): The Tax ID has to match your legal business name under IRS records. If we can’t find your Tax ID in IRS records, you can also provide your FEIN letter. This will be your SSN if you operate as a Sole Proprietorship.
- Business address: Business operating location. This address must match the official business registry as well as the information in your application.
- Bank account: A bank account associated with the Sole Proprietorship/LLC/Corporation name provided in the application is required. This is the account where your processed funds will be deposited.
  - You may be required to upload an image of your banking information (voided cheque, bank letter, bank statement, or online banking environment) with the following information visible:
    - Business legal entity name
    - Routing number
    - Account number
Required information in Canada
- Identification information: Valid identity documents that include your home address and date of birth, as required by FinTrac. Lightspeed reserves the right to run a credit check if necessary.
- Legal business name: Sole Proprietorship/LLC/Corporation name that you registered with the provincial or federal business registry. Your business needs to maintain a status of Active or In Good Standing.
- Tax ID (business number): If you qualified for registration or voluntarily registered with the Canada Revenue Agency (CRA), you can provide your Tax ID. This has to match your legal business name under CRA records. If we can’t find your Tax ID in CRA records, you can also provide a copy of a CRA document with your business number on it.
- Business address: Business operating location. This address must match the official business registry as well as the information in your application.
- Bank account: A bank account associated with the Sole Proprietorship/LLC/Corporation name provided in the application is required. This is the account where your processed funds will be deposited.
  - You may be required to upload an image of your banking information (voided cheque, bank letter, bank statement, or online banking environment) with the following information visible:
    - Business legal entity name
    - Transit Number
    - Financial Institute Number
    - Account Number
Required information in Australia
- Identification information: Valid identity documents that include your home address and date of birth, as required by AUSTRAC. Lightspeed reserves the right to run a credit check if necessary.
- Legal business name: This is the Sole Proprietorship/LLC/Corporation name that you registered with the ASIC (Australia Securities & Investments Commission). Your business needs to maintain a status of Active or In Good Standing.
- Tax ID (ABN and ACN): In Australia, if you're a public/private company (not individual), you need to provide two fields: the Company Tax ID (Australian Business Number (ABN)) and the Company Registration Number (Australian Company Number (ACN)). Your ABN has to match your legal business name under the ASIC records.
- Business address: Business operating location. This address must match the official business registry as well as the information in your application.
- Bank account: A bank account associated with the Sole Proprietor/LLC/Corporation name provided in the application is required. This is the account your processed funds will be deposited.
  - You may be required to upload an image of your banking information (voided cheque, bank letter, bank statement, or online banking environment) with the following information visible:
    - Business legal entity name
    - Account number
    - BSB (Bank State Branch number)
Required information in the UK

Identification information

You’ll need to provide valid identity documents that include the document signer’s legal name, date of birth, photo, and address, as required by HMRC.

Valid photo IDs include:
- Passport
- Driver's license
- Citizen card
- Electoral ID
Proof of address documents include:
- Driver’s license (including provisional) or NHS medical card
- Utility bill, financial institution statement, or government-issued letter
Information on the ID and address documents must match the information in your application.

Your business needs to maintain a status of Active or In Good Standing. Lightspeed reserves the right to run a credit check if necessary.

Legal entity information

You’ll need to provide valid business documentation that verifies legal entity status and tax information, like:
- Companies House document
- Certificate of Incorporation
- VAT registration
- HM Revenue and Customs VAT certificate or account statement
- Charity Commission document
- OSCR Scottish charity regulator
- Ofsted school inspection report
Legal entity documents must include:
- Legal entity name: Sole Proprietorship/LLC/Corporation name that you registered with Companies House. This must match the legal entity name in your application.
- Tax ID (VAT, Companies House document): Private companies or incorporated partnerships must provide VAT registration, Companies House document, and Certificate of Incorporation (if applicable). This information must match the information in your application.
- Business address: Business operating location. This address must match the official business registry as well as the information in your application.
In the UK, all owners with 25%+ ownership as well as directors must be added to your application. If ownership or directorship verification is needed, you can include documents with the legal entity name and director, shareholder, and beneficial owner names and positions (where applicable), like:
- Register of Members (shareholder register)
- Register of Persons with Significant Control (PSC) (Ultimate Beneficial Owner Register)
- Confirmation statement (annual returns)
- Incorporation documents (registration document)
- Certificate of Incumbency
Bank account information

You’ll need to provide bank account information associated with the Sole Proprietor/LLC/Corporation name provided in the application. This is the account where your processed funds will be deposited.
- You may be required to upload an image of your banking information (voided cheque, bank letter, bank statement, or online banking environment) with the following information visible:
  - Business legal entity name
  - Sort code
  - Account number
Required information in the Netherlands

Identification information

You’ll need to provide valid identity documents that include the document signer’s legal name, date of birth, and address, as required by WWFT.

Valid IDs include:
- Passport
- Driver's license*
- National ID*
- Resident permit ID
*Scans of the front and back of the ID are required.

Proof of address documents include:
- Utility bill or financial institution statement, issued within the last 6 months
- Government-issued letter, issued within the last 12 months
- Proof of home insurance
Information on the ID and address documents must match the information in your application.

Your business needs to maintain a status of Active or In Good Standing. Lightspeed reserves the right to run a credit check if necessary.

Legal entity information

You’ll need to provide valid business documentation that verifies legal entity status and tax information, like:
- VAT registration
- Company registration certificate
- By-laws memorandum
Legal entity documents must include:
- Legal entity name: Sole Proprietorship/LLC/Corporation name that you registered with the KVK. This must match the legal entity name in your application.
- Tax ID (Btw-nr and KVK-nr): Private companies or incorporated partnerships must provide the Btw-nummer and KVK-nummer (required). This information must match the information in your application.
- Business address: Business operating location. This address must match the official business registry as well as the information in your application.
If ownership or directorship verification is needed, you can include documents with the legal entity name and director, shareholder, and beneficial owner names and positions (where applicable), like:
- Annual reports
- Annual returns
- Certificate of Corporate Status
- Registration document
Bank account information

You’ll need to provide bank account information associated with the Sole Proprietor/LLC/Corporation name provided in the application. This is the account where your processed funds will be deposited.
- You may be required to upload an image of your banking information (voided cheque, bank letter, bank statement, or online banking environment) with the following information visible:
  - Business legal entity name
  - IBAN
Required information in Belgium

Identification information

You’ll need to provide valid identity documents that include the document signer’s legal name, date of birth, photo, and address, as required by FSMA.

Valid photo IDs include:
- Passport
- Driver's license*
- Identity card*
- Residence permit, issued within the last 12 months
*Scans of the front and back of the ID are required.

Proof of address documents include:
- Certificate of residence
- Utility bill, issued within the last 6 months
- Bank, mortgage, or pension statement, issued within the last 6 months
- Residence permit, issued within the last 12 months
Information on the ID and address documents must match the information in your application.

Your business needs to maintain a status of Active or In Good Standing. Lightspeed reserves the right to run a credit check if necessary.

Legal entity information

You’ll need to provide valid business documentation that verifies legal entity status and tax information, like:
- VAT registration
- BCE, KBO, or ZDU commercial register extract
- Articles of Incorporation
- Copy of appendices published in the official Belgian register
- Financial statements
Legal entity documents must include:
- Legal entity name: Sole Proprietorship/LLC/Corporation name that you registered with the CBE. This must match the legal entity name in your application.
- Tax ID (BTW-nr / n° TVA / Mwst-nr and BCE / KBO / ZDU number): Private companies or incorporated partnerships must provide the BTW-nr / numéro de TVA / Mwst-nr and BCE / KBO / ZDU number. This information must match the information in your application.
- Business address: Business operating location. This address must match the official business registry as well as the information in your application.
If ownership or directorship verification is needed, you can include documents with the legal entity name and director, shareholder, and beneficial owner names and positions (where applicable), like:
- Annual reports
- Annual returns
- KBO (Certificate of Corporate Status)
Bank account information

You’ll need to provide bank account information associated with the Sole Proprietor/LLC/Corporation name provided in the application. This is the account where your processed funds will be deposited.
- You may be required to upload an image of your banking information (voided cheque, bank letter, bank statement, or online banking environment) with the following information visible:
  - Business legal entity name
  - IBAN
Required information in Ireland

Identification information

You’ll need to provide valid identity documents that include the document signer’s legal name, date of birth, photo, and address, as required by the CBI.

Valid photo IDs include:
- Passport
- Driver's license*
- National Age Card*
- Irish Residence Permit (IRP)*
*Scans of the front and back of the ID are required.

Proof of address documents include:
- Driver’s license*
- Utility bill, bank statement, car or home insurance policy, or social insurance document, issued within the last 6 months
- Government-issued document, Tax Credit Certificate (TCC), or Statement of Liability from Revenue issued within the last 12 months
Information on the ID and address documents must match the information in your application.

Your business needs to maintain a status of Active or In Good Standing. Lightspeed reserves the right to run a credit check if necessary.

Legal entity information

You’ll need to provide valid business documentation that verifies legal entity status and tax information, like:
- VAT registration
- Certificate of Registration, Certificate of Incorporation
- Partnership agreement, Articles of Association
- Department of Education (An Roinn Oideachais) school inspection report
- An Oifig um Chlárú Cuideachtaí (Commercial Register Extract)
Legal entity documents must include:
- Legal entity name: Sole Proprietorship/LLC/Corporation name that you registered with the Companies Registration Office (CRO) or RBO. This must match the legal entity name in your application.
- Tax ID (TIN / TRN): Tax Identification Number (TIN) or Tax Reference Number (TRN) registered with the Revenue Commissioners and VAT registration, if applicable. This information must match the information in your application.
- Business address: Business operating location. This address must match the official business registry as well as the information in your application.
If ownership or directorship verification is needed, you can include documents with the legal entity name and director, shareholder, and beneficial owner names and positions (where applicable), like:
- Register of beneficial owners (Ultimate Beneficial Owner Register)
- Company constitution (Articles of Incorporation)
- Articles of Association
- Annual returns
- Audited financial statements
Bank account information

You’ll need to provide bank account information associated with the Sole Proprietor/LLC/Corporation name provided in the application. This is the account where your processed funds will be deposited.
- You may be required to upload an image of your banking information (voided cheque, bank letter, bank statement, or online banking environment) with the following information visible:
  - Business legal entity name
  - IBAN

Preparing your identity documents for submission

In order to verify your identity and process your application, you’ll need to provide valid identity documents that include specific information (requirements vary by region, learn more in the tabs above).

To properly prepare your documents and avoid delays in processing:

Check the ID to ensure:
1. Validity: The submitted ID cannot be expired.
2. Name match: The name on the ID exactly matches the name on your application.
Take a high-resolution scan or clear image of your ID, ensuring:
- Information is clear and legible.
- Image is not cropped (all borders must be visible and no pages missing).
- Both sides are included in the file if the ID is double-sided.
- Image is in color.
Screenshots and poor quality images will not be accepted.
Save the file as a PDF, JPG, or PNG.

In some cases, additional information may be required to complete your application. It's important to ensure your registered contact information is active and up to date so the Lightspeed Payments Underwriting team can get in touch if needed.