thread Re: Merchant Verification letter, AKA "Bank Letter" in Payments Troubleshooting

Merchant Verification letter, AKA "Bank Letter"

goldenhourmusic — Tue, 28 Oct 2025 04:15:07 GMT

How do Square customers obtain these?

On ‎03–08–2022 08:40 AM, Square Community Moderator JJ_ said Square support can provide a Merchant Verification letter to customers who log into their account and go to this link.

When I tried this today, none of the Square support reps I spoke to by phone knew what a bank letter or Merchant Verification letter even was, let alone how to provide it. Unsurprisingly, the original community thread I linked to above is now locked to replies.

Re: Merchant Verification letter, AKA "Bank Letter"

Katie_SQ — Wed, 29 Oct 2025 04:14:52 GMT

Hi @goldenhourmusic, 👋

I've reviewed your case history, and can see that our Support team has already assisted you here.

It sounds like you needed a Square Checking Account Ownership Letter, as opposed to a Merchant Verification Letter (which are typically issued for the purpose of obtaining a loan or license).

For any Sellers who come across this thread, here's how to download your Square Checking Account Ownership Letter directly from the Square Dashboard:

1. Sign in to your online Square Dashboard and go to Banking.
2. Click the applicable business location.
3. Click on the gear icon and choose Checking Settings.
4. Scroll down to Documents to download your Account Ownership Letter.

I'm glad to see our Support team was able to resolve this for you. If there's anything else I can assist with, please let me know!

Re: Merchant Verification letter, AKA "Bank Letter"

Cmathews — Mon, 03 Nov 2025 17:29:21 GMT

I need a merchant verification letter

Re: Merchant Verification letter, AKA "Bank Letter"

Katie_SQ — Mon, 03 Nov 2025 22:30:17 GMT

Hi @Cmathews,

To obtain a Merchant Verification Letter, please reach out to our Support Team directly by signing into your account and heading here. 😊

Re: Merchant Verification letter, AKA "Bank Letter"

goldenhourmusic — Tue, 04 Nov 2025 19:59:30 GMT

Katie, thanks for your help!

I have a new client whose accounts payable department was unable to distinguish a Merchant Verification Letter from a Square Checking Account Ownership Letter as helpfully as you did. They ultimately accepted the Account Ownership Letter.

I'll be interested to see what @Cmathews's outcome is. You gave them the same advice I received elsewhere on these forums, but your support team had no idea what I was talking about when I requested a Merchant Verification Letter from multiple reps, including in the banking department.