Article facts
| Field | Visible value |
|---|---|
| Source of funds | The origin of the money used in a particular transaction or activity |
| Source of wealth | How an owner accumulated their overall financial position |
| When requested | Onboarding, before or after a payment, or during a review |
| Typical evidence | Contracts, invoices, financial statements, payment statements, settlement reports |
| Does one document always suffice? | No |
| Guaranteed review time | None published |
| Last reviewed | 2026-09-09 |
What counts as an answer
Saying that the money came from the company's own account is not an answer. The review asks how it got there.
A useful explanation connects the commercial activity to the money:
- what was sold or delivered, to whom, and under what contract;
- when the payment was made and by which route;
- documents that show the same names, dates and amounts as the payment being reviewed.
Evidence that usually helps
| Source | Evidence that supports it |
|---|---|
| Customer revenue | Contracts, invoices, order records, payment statements |
| Acquiring settlements | Acquiring agreement, processing and settlement statements |
| Marketplace or platform payouts | Platform statements and payout reports |
| Intercompany funding | Group structure, loan or funding agreement, transfer evidence |
| Shareholder contribution | Resolution or agreement, plus evidence of the owner's funds |
| Sale of an asset | Sale agreement, ownership evidence, receipt of proceeds |
Documents should be complete and unedited. A cropped screenshot that hides the account, date or counterparty usually creates another round of questions rather than closing one.
How to reduce delay
- Answer chronologically and in one place.
- Cover the amount and period actually under review.
- Keep names and identifiers visible and consistent with the payment.
- Explain anything that legitimately looks unusual before being asked.
- Send documents only through the channel named in your agreement or by your account manager.
- Do not submit altered or contradictory evidence.
What a request does not mean
A source-of-funds request is not, by itself, an allegation of wrongdoing. It is a standard and often risk-based part of operating a regulated payment service.
Frequently asked questions
Is a bank statement enough? Sometimes, but not always. A statement can show where money arrived from without explaining how it was generated.
Why are you asking about our owner and not the company? That is usually a source-of-wealth question, which can be relevant to enhanced due diligence and ownership review.
What if we cannot produce one specific document? Explain why and ask whether alternative evidence is acceptable. A combination can be assessed, but no alternative is guaranteed to be sufficient.
How long does the review take? There is no published guaranteed time. It depends on the activity, the evidence and the complexity.
What happens if we do not respond? The affected payment or service can remain restricted, be rejected or returned, or the relationship can be suspended or ended under the applicable terms.
This article is explanatory. The applicable customer agreement, policies and legal obligations prevail if they differ from it.