In most cases yes.Social number is used to comply with Patriot law in verifying the identity of the person applying for merchant account.Personal guarantee is to protect Onesto and processing bank in case business is not able to pay, for any reason, the month end processing fee and or any chargeback fees.Personal guarantee is NOT required in case of non profits and government accounts.Also, in case of established businesses, last years tax returns, last 3 months of bank statement or financials like P&L statements can be used in lieu of social security number.