what do I fill in for the source of incoming payments

Source of payments: concerns the paying party, not the amount

The bank or financial customer usually wants to know where the money comes from here: which customers, from which countries, and whether that aligns with the nature of the business. This is not a question about the source of funds in the sense of equity or investments — that is a separate section, and if those two questions appear next to each other in the same list, the answer is almost never identical. Source of funds concerns how the company was built; source of incoming payments concerns the ongoing cash flow from daily business operations.

Concretely you usually answer with: type of customer (individual, business, government), country or region where most customers are located, and whether payments run through intermediaries such as platforms or factoring companies. If that does not align with what is in the chain file about the average payment term to suppliers or other payment details, then that is not a problem in itself — they are different questions with different answers. If you are unsure whether an answer from the file fits here, leave it open and fill it in manually for that specific customer.

Basis: customer due diligence under the AMLTFA

This question stems from the customer due diligence that banks and sometimes also insurers must conduct under the Anti-Money Laundering and Countering the Financing of Terrorism Act. That law requires the institution — not the entrepreneur themselves — to have an understanding of the cash flows of its customers, in order to identify unusual transactions. That is why this question often appears together with questions about the source of the company's assets and about the banking relationships of the company: they are parts of the same customer due diligence file, even though each bank asks it slightly differently.