Requirements for document uploads

Adyen verifies the account holder's entity based on the information provided during onboarding. If the automatic verification fails, due to incorrect data or data that cannot be verified, then Adyen asks the account holder to provide additional documents, such as a passport, bank statement, or a business registration document.

A document can be uploaded through:

• Adyen's Hosted Onboarding Page. The account holder can upload their document directly on the page.
• Your own onboarding flow where you collect the document yourself and make an API request to Adyen.

For individuals

In the EU, we require photo identification (such as passport) of your account holders. In all countries, if the account holder's identity cannot be validated, Adyen asks the individual to provide a photo ID.

Photo ID

A photo ID is usually either a passport issued by the account holder's country, such as an identity card or driver's license.

• Passport: Including the data page, with a picture, details, and the machine-readable zone clearly visible.
• ID card: Including both front and back; each side in a separate file.
• Driving license: Including both front and back; each side in a separate file.

The name on the photo ID must match the name sent to Adyen during onboarding. If the names are different, for example: an account holder registers with their married name, but their passport shows their maiden name, then the photo ID check fails.

The photo ID must:

• Be non-expired.
• Have the machine-readable zone visible (if available).
• Be a physical photo ID document, not digital.

The uploaded document must:

• Have separate files for front and back of the ID document (only when providing an ID card or driver's license).
• Be a full color, cropped, and straightened image.
• Be a photo or a scan of the physical photo ID document. We do not accept a screenshot of a photo, a photo pasted on another document, a photo of a screen, or a photo of a printout.

We do not accept:

• Screenshots of ID documents. Instead, provide a photo or PDF of the document.

File format and size requirements

• Formats: JPEG, JPG, PNG, or PDF (maximum 2 pages)
• Size: minimum 1 KB, maximum 4 MB

For organizations

If the automatic verification for a business, nonprofit organization, a partnership, or a public company fails, Adyen asks the account holder to provide a copy of their registration document. Documents are verified asynchronously, and on average, the check will take about two days to complete.

Requirements for the company registration document

• Issued by a reliable, independent source, such as the national commercial register of the country where the business is registered in.
• Issued within the last (one) year, or contains a signature and a state of affairs with the date not older than one year.

File format and size requirements

• Formats: JPEG, JPG, PNG, or PDF (maximum 2 pages)
• Size:
  • PDFs for legal arrangement documents: minimum 1 KB, maximum 25 MB
  • Other PDFs and other formats: minimum 1 KB, maximum 4 MB

For bank accounts

If Adyen cannot verify a bank account, then we ask your account holder for a scanned bank statement.

Proof of bank account

• Bank statements
• Deposit tickets or deposit forms
• Screenshots of their online banking environment
• Official letters issued by a bank
• Cheques

Country specific documents:

• Relevé d'Identité Bancaire (RIB): bank document in France
• TAMIEYTHPIO: bank document in Greece
• Singaporian bank passbooks: bank document in Singapore

Mandatory information

The account holder name. This must match the legal business name, trading (doing business as) name, or the name of the individual conducting business with Adyen, which you set when creating an account holder.

The account number or IBAN needs to be visible.

The date of issuance needs to be visible and needs to be dated less than 12 months ago. This requirement applies to all types of documents except for RIBs, cheques, online banking environment or TAMIEYTHPIO.

Some RIBs and online banking environments contain a date of issuance. The date of issuance for these must also be less than 12 months ago.

The country where the bank account is located. For EU bank statements, Adyen infers the country from the IBAN.

An indicator that the document was issued by a bank, such as the bank name, a bank logo or a bank-specific font.

We do not accept:

• Photos of bank-issued cards, such as credit or debit cards.
• Edited or personalized documents.
• Documents issued more than 12 months ago.
• Documents where required data points are missing.
• Documents with cut-off, blurry, or low-quality images.
• Documents issued by third party software platforms or programs.

Requirements for specific document types

Direct deposit tickets and forms:

• Must contain a bank logo or bank letterhead.
• Can only be accepted with a stamp or signature from the bank.

Cheques:

• The name of the account holder, account number, and name of the financial institution or logo need to be printed (not handwritten).
• Security features need to be visible for cheques in US and CA.
• The account number and routing number need to be fully visible.
• We can only accept scans or direct photos of cheques.
• We can only accept electronic cheques issued by banks in CA.
• We cannot accept any cheques issued by banks in AU.

Letters from bank or bank account agreements:

• Must contain a bank logo or a bank letterhead.
• All letters must have a stamp or signature from the bank.

File format and size requirements

• Formats: JPEG, JPG, PNG, PDF.
• No maximum on the number of pages for PDF.
• Size: minimum 1 KB, maximum 4 MB