Uploading Documents for Risk Review
Step-by-step guide to uploading bank statements, voided checks, and other documents to the Stax risk team from your Stax Pay account.
Upload the requested risk review documents from your Stax Pay account instead of sending them by email.
If your Stax account has been placed on a risk hold or is under risk review, our risk team will reach out and let you know what documentation we need to clear it. This typically includes recent bank statements, a voided check, or proof of a business change.
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This upload tool is for post-onboarding risk reviews. If you're a new merchant going through your initial application, use the documents step in the registration portal instead.
Before you start
Prepare a file that is smaller than 2 MB and uses one of these formats:
| File type | Best for |
|---|---|
| Statements, agreements, and licenses | |
| JPEG, PNG, or TIFF | Photos of checks, ID cards, or paper documents |
| DOCX | Word documents, such as business plans or written explanations |
| XLS or XLSX | Excel spreadsheets |
If your file is larger than 2 MB, see Optional: Reduce file size.
TroubleshootingIf you do not see the upload option, you may not have the proper user role to access that feature. If you receive an error when uploading, please wait 5 minutes and/or clear your cache to resolve issues.
Upload documents for review
- Log in to Stax Pay.
- Open Settings in the left navigation, then click Account.
- Find the Upload Documents for Review button with the shield icon and click it.
- Review the window that shows any documents you've previously uploaded.
- Drag your file onto the upload area, or click Browse to choose a file from your device.
- Watch the progress bar. Most files upload in 2–3 seconds.
- Wait for the uploaded message to finish uploading.
After the upload succeeds, your file is visible to our risk team.
You can upload multiple files in the same session. Each upload is independent, so you can cancel one without affecting the others.
Optional: Upload from your phone
The upload feature works the same way on mobile. On iOS and Android, tap Browse to:
- Pick a file from your device
- Take a new photo of a paper document with your camera
- Choose a file from cloud storage, such as iCloud, Google Drive, or Dropbox
Optional: Reduce file size
If your file is over 2 MB, try one of these options:
- PDFs: Use the Reduce File Size or Compress option when exporting from Adobe Acrobat, Preview on Mac, or your browser's print-to-PDF dialog.
- Images: Lower the resolution to 300 DPI instead of 600 DPI, or save the file as a JPEG instead of a TIFF.
- Multi-page documents: Split the document into smaller files and upload them separately.
If none of those options work, email [email protected].
Optional: Delete a document
If you uploaded the wrong file, click the trash icon next to it in the document list, then confirm the deletion.
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Deletion is permanent.
What happens next
Our risk team automatically has access to new documents as they become available. If they need anything else, they'll reach out by email or phone.
FAQ
Is it safe to upload my bank statements?
Files are sent over an encrypted HTTPS connection, the same standard used by online banking, and stored encrypted on a SOC 2-compliant infrastructure. Only our risk and underwriting team can access them.
Who can see my documents?
Only Stax's risk and underwriting team members review your account. Documents are never shared with third parties or used for marketing.
How long do you keep my documents?
Seven years to comply with financial services regulations. After that, they're automatically deleted. You can also delete documents yourself at any time.
Updated 3 months ago