Payments. Ecommerce. Profits.

How Do I Find My Merchant ID

How Do I Find My Merchant ID?

Your Merchant ID number, sometimes referred to as a MID, is crucial since it has an impact on your business. Knowing what your MID number is very significant. If you lose that number, you will need to be able to locate it again. Something to be aware of is that your Merchant ID isn’t on any public records, so you need to find it in other ways.

I have found the other possible ways in which you can locate your Merchant ID number. If you are wondering ‘how do I find my Merchant ID’, then by the end of this article, you will know a couple possible ways in which you can. 

What Is A Merchant ID?

A merchant’s payment processor will give them a special code known as a merchant identification number. This code, which is sometimes shortened as MID, is sent to concerned parties for transaction verification along with cardholder information. The MID can help identify a business when they speak with their processor and other parties.

Your MID is a code that is used to recognize your merchant bank account, to put it simply. The MID is the number used to authenticate you all through the transaction process when you submit a cardholder’s details after making a purchase. By doing this, the right account is certain to receive the payments.

The funds would not have a destination if there was no MID associated with a transaction. The funds could not be correctly routed to you by the bank.

How Do You Receive A Merchant ID Number?

When a merchant opens a merchant bank account, they are given a MID. However, you must first validate your business in order to receive a merchant ID. A Taxpayer Identification Number (TIN), the names of the major owners, and other important information are required as proof for this. 

Occasionally, ISOs (independent sales organizations) act as a liaison between the merchant and the acquirer, aiding in the acquisition of MID’s.

If you utilize a company like PayPal or Square to handle payments, you won’t acquire a MID. This is because you don’t require a registered merchant bank account. However, you must have a MID if you use a conventional merchant processor to accept payments.

How Do I Find My Merchant ID?

Merchant IDs are not available to the public and are not searchable online. Additionally, you cannot find a database or list that contains this information anywhere on the internet. 

The reason for this is straightforward: Your MID, like an account number for a private bank, is a confidential number shared exclusively among your business and payment processors.

However, there are a couple of methods for finding your MID. You can locate this number in the following ways:

  • On a sticker or label, often, on the credit card reader.
  • Following “terminal” at the top of your credit card receipts.
  • The 15-digit number is printed in the top right corner of your merchant statement each month.

Never Share Your Merchant ID Number

Your personal identification number (MID) is linked to your bank accounts. If a fraudster obtains this code, they might utilize it to conduct shady business. It is crucial that you protect the privacy and security of your MID. If you decide to switch credit card processors, you will be given a new Merchant ID. It is crucial that you make a note and keep a track of it. 

The only people who should have your Merchant ID number are yourself. No one else should know it at all. 


Merchant Identification Numbers are important when it comes to making and accepting transactions if you possess a merchant’s bank account for your business. This number isn’t available in any public or online records, therefore you need to make a note of it. 

If you do happen to lose this number, it can be found on statements and receipts relating to your merchant credit card or statements. 

I hope you have found this article useful. If you have happened to lose your Merchant ID, you now know the three possible ways you can find this number. It is essential to keep this number safe, to prevent any unwanted transaction on your merchant account. 

Frequently Asked Questions

Can I Have More Than One Merchant ID Number?

Although you are allowed to possess more than one MID, yet most firms only require one merchant ID. Multiple MID’s are typically kept by merchants for accounting needs. 

Hotels, restaurants, and multichannel shopping channels are examples of businesses that frequently have distinctive MID’s for several revenue sources. This makes it easier to identify and trace the source of various forms of income.

Is A Merchant Number The Same As An Account Number?

A Merchant Identification Number is a unique number that helps to identify your business for credit card processing. A lot of people do think of this number as an account number for a normal bank account, as it is what identifies your business. So it could be seen as both an account number and Merchant ID number. 

What Documents Are Required For A Merchant Bank Account?

Recently, the process for obtaining a merchant account has been made fairly easier. Once you submit the forms to your bank, then you may be asked for the following information. This is general information and documentation surrounding your business like contact info, credit history, and business license etc. 

In addition to this, you will be asked for your business’s financial information such as cash flow, bank account statements, records of credit card transactions and balance sheets. Finally, there may be some other supporting documentation that is needed. This could be marketing materials, voided checks, forecasts and business plans.