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KYC verification

Collect KYC information from your users and submit the information to Adyen.

Your user will need to go through a Know Your Customer (KYC) verification process before you can create and issue cards for them. KYC is the process of where a business (Adyen) identifies and verifies the identity of its clients (your users). This is required by payment industry regulations.

The information required for KYC includes user data such as address, birthdate, and their Social Security Number (SSN). The KYC requirements vary depending on the country or region.

You have to gather your user's information with your own pages and screens, and provide the information to Adyen.

Multiple cardholders under one balance account

Some business cases might require having multiple cardholders under one balance account, but only the account holder will go through the KYC process. For example:

  • Creating named cards for multiple employees in one company.
  • Creating additional cards for a spouse or children.

These scenarios are only allowed in specific circumstances. Confirm with your Adyen contact if this is a functionality you can use.

KYC process

To begin the KYC process, you need to:

  1. Contact our Support Team to get a unique legal entity ID for the account holder.
  2. Collect information and documents from the account holder. Refer to KYC checks requirements to know what are the requirements based on the country or region.
  3. Submit the documents to our Support Team.

After Adyen confirms that the account holder passed the KYC checks, you can create a card for your user.

In a future version of the API, you will be able to submit the documents through an API call.

KYC requirements

Adyen requires information from your account holder to perform company verification checks for businesses.

In addition, we will also perform identity checks for the following:

  • Ultimate beneficial owners: Individuals who directly or indirectly own 25% or more of the company.
  • Control officer: A member of senior management staff responsible for managing the company.

Select the country or region from the dropdown below:

uiComponent-dropdownAndTabs
        {
    "dropdownOptions":[
        {
            "id":"EU",
            "displayName":"EU countries",
            "imageName":"",
            "tabs":[
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Company check",
                            "fields":[
                                "businessDetails.legalBusinessName",
                                "businessDetails.doingBusinessAs",
                                "businessDetails.registrationNumber",
                                "",
                                "address.country",
                                "address.stateOrProvince",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "email",
                                "fullPhoneNumber"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"The following information is required for the signatories, ultimate beneficial owners (UBO) with >25% ownership, or senior employees.",
                            "fields": [
                                "name.lastName",
                                "name.firstName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.personalData.documentData.number",
                                "",
                                "address.country",
                                "address.stateOrProvince",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "jobTitle (Required only for senior employees)",
                                "nationality (Required only for signatories)",
                                "email (Required only for signatories)",
                                "fullPhoneNumber (Required only for signatories)"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"US",
            "displayName":"US - United States",
            "imageName":"us.png",
            "tabs":[
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Company check",
                            "fields":[
                                "businessDetails.legalBusinessName",
                                "businessDetails.taxId (Tax ID of the company)",
                                "",
                                "address.country",
                                "address.stateOrProvince",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"The following information is required for ultimate beneficial owners (UBO) with >25% ownership, or senior employees.",
                            "fields":[
                                "name.lastName",
                                "name.firstName",
                                "personalData.dateOfBirth",
                                "",
                                "address.country",
                                "address.stateOrProvince",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.documentData.number (Full 9 digits of SSN)",
                                "jobTitle (Required only for signatories)"
                            ]
                        }
                    ]
                }
            ]
        }
    ]
}
    

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