If onboarding has been started but the account is not yet active, the most common reasons and next steps are outlined below.

Incomplete Onboarding

Completion of business onboarding is required before a PayRewards account can be activated. If onboarding is incomplete, the process can be resumed by signing in and following the on-screen prompts.

If any issues are encountered during onboarding, PayRewards Support is available to assist. The fastest way to get help is to sign in and start a support chat.

Account Opened on Behalf of Another Individual

If the account was created by someone who is not an officer or beneficial owner, onboarding may require inviting an authorized officer or beneficial owner to complete the process. That individual must register and finish onboarding before the account can be activated.

Account Pending Review

After onboarding is completed, applications are typically reviewed within 1 to 2 business days. If all requirements are met, the account will be activated and a notification will be sent via email or SMS.

Some businesses are asked to upload one or more documents during onboarding itself — such as an EIN Letter, Proof of Business Address, or Certificate of Good Standing. This happens inside the sign-up flow, not by email. If this step appeared, the review clock starts once those documents are submitted.

After onboarding, we may still reach out by email if identity documents are needed — for example, a government-issued ID or a selfie. This is separate from any business documents already uploaded and does not mean anything was missed.

Verification Issues

In some cases, submitted information may not pass electronic verification checks. Common reasons include spelling or data entry errors, invalid or expired identification documents, or recent changes to personal or business information.

If further action is required, PayRewards will contact the account by email within one business day to provide next steps.