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Required information for KYC checks

Know the required KYC information based on the country.

To perform KYC verification checks, Adyen requires the account holder to provide information about:

  • Their organization.
  • The individuals associated with their organization.
  • Their bank account, when required for a use case. For example, in use cases that involve moving funds between balance accounts and bank accounts.

Identifying individuals associated with an organization

As part of the KYC checks, Adyen verifies the identity of individuals that are associated with an organization. We refer to these individuals as ultimate business owners (UBOs) and signatories. The table below describes the criteria for identifying them, and the minimum required number for each.

Who Criteria Required number of individuals
UBOs through ownership Individuals who directly or indirectly own 25% or more of the organization. Between zero to four. Adyen requires information about all individuals that fit the criteria.

If no one owns 25% or more of the organization, then the account holder must provide information about a UBO through control.
UBOs through control Individuals who have a significant responsibility for controlling, managing, or directing the organization.

If such an individual cannot be identified, then members of senior management must be identified as UBOs through control.
At least one. This is required if no one fits the criteria of UBO through ownership or if the account holder is operating outside of the European Economic Area (EEA).
Signatories Officers or representatives who legally represent the organization towards Adyen and are authorised to enter a binding agreement with Adyen on behalf of their organization. At least one.

Required information based on country

To see the required information and corresponding fields that you should send in the API, select the country or region from the drop-down list below.

uiComponent-dropdownAndTabs
        {
    "dropdownOptions":[
        {
            "id":"EU",
            "displayName":"EU countries",
            "imageName":"",
            "tabs":[
                {
                    "displayName":"Organization",
                    "sections":[
                        {
                            "displayName":"Organization",
                            "fields":[
                                "organization.type (See note 1)",
                                "organization.legalName",
                                "organization.doingBusinessAs",
                                "organization.registrationNumber"
                            ]
                        },
                        {
                            "displayName":"Registered address",
                            "fields":[
                                "organization.registeredAddress.country",
                                "organization.registeredAddress.stateOrProvince",
                                "organization.registeredAddress.city",
                                "organization.registeredAddress.postalCode",
                                "organization.registeredAddress.street",
                                "organization.registeredAddress.street2"
                            ]
                        },
                        {
                            "displayName":"Principal place of business (if different from registered address)",
                            "fields":[
                                "organization.principalPlaceOfBusiness.country",
                                "organization.principalPlaceOfBusiness.stateOrProvince",
                                "organization.principalPlaceOfBusiness.city",
                                "organization.principalPlaceOfBusiness.postalCode",
                                "organization.principalPlaceOfBusiness.street",
                                "organization.principalPlaceOfBusiness.street2"
                            ]
                        },
                        {
                            "displayName":"Organization contact details",
                            "fields":[
                                "organization.email",
                                "organization.phone.type",
                                "organization.phone.countryCode",
                                "organization.phone.number"
                            ]
                        },
                        {
                            "displayName":"Entity association",
                            "comment":"The following information is required when linking individuals to the organization.",
                            "fields": [
                                "jobTitle (Required for UBOs through control and signatories)"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"UBOs and signatories",
                    "sections":[
                        {
                            "displayName":"Individuals connected to the organization",
                            "comment":"The following information is required for the ultimate beneficial owners and signatories.",
                            "fields": [
                                "individual.name.lastName",
                                "individual.name.firstName",
                                "",
                                "individual.identificationData.number (See note 2)",
                                "individual.birthData.dateOfBirth",
                                "",
                                "individual.residentialAddress.country",
                                "individual.residentialAddress.stateOrProvince",
                                "individual.residentialAddress.city",
                                "individual.residentialAddress.postalCode",
                                "individual.residentialAddress.street",
                                "individual.residentialAddress.street2",
                                "",
                                "individual.nationality (Required for signatories)",
                                "individual.email (Required for signatories)",
                                "individual.phone.type (Required for signatories)",
                                "individual.phone.countryCode (Required for signatories)",
                                "individual.phone.number (Required for signatories)"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"Bank account",
                    "sections":[
                        {
                            "displayName":"Bank account",
                            "fields":[
                                "bankAccount.countryCode",
                                "bankAccount.currencyCode",
                                "bankAccount.iban"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"US",
            "displayName":"US - United States",
            "imageName":"us.png",
            "tabs":[
                {
                    "displayName":"Organization",
                    "sections":[
                        {
                            "displayName":"Organization",
                            "fields":[
                                "organization.type (See note 1)",
                                "organization.legalName",
                                "organization.taxId"
                            ]
                        },
                        {
                            "displayName":"Registered address",
                            "fields":[
                                "organization.registeredAddress.country",
                                "organization.registeredAddress.stateOrProvince",
                                "organization.registeredAddress.city",
                                "organization.registeredAddress.postalCode",
                                "organization.registeredAddress.street",
                                "organization.registeredAddress.street2"
                            ]
                        },
                        {
                            "displayName":"Principal place of business (if different from registered address)",
                            "fields":[
                                "organization.principalPlaceOfBusiness.country",
                                "organization.principalPlaceOfBusiness.stateOrProvince",
                                "organization.principalPlaceOfBusiness.city",
                                "organization.principalPlaceOfBusiness.postalCode",
                                "organization.principalPlaceOfBusiness.street",
                                "organization.principalPlaceOfBusiness.street2"
                            ]
                        },
                        {
                            "displayName":"Entity association",
                            "comment":"The following information is required when linking individuals to the organization.",
                            "fields": [
                                "jobTitle (Required for UBOs through control and signatories)"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"UBOs and signatories",
                    "sections":[
                        {
                            "displayName":"Individuals connected to the organization",
                            "comment":"The following information is required for ultimate beneficial owners and signatories.",
                            "fields": [
                                "individual.name.lastName",
                                "individual.name.firstName",
                                "",
                                "individual.identificationData.number (full 9 digits of SSN)",
                                "individual.birthData.dateOfBirth",
                                "",
                                "individual.residentialAddress.country",
                                "individual.residentialAddress.stateOrProvince",
                                "individual.residentialAddress.city",
                                "individual.residentialAddress.postalCode",
                                "individual.residentialAddress.street",
                                "individual.residentialAddress.street2"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"Bank account",
                    "sections":[
                        {
                            "displayName":"Bank account",
                            "fields":[
                                "bankAccount.accountNumber",
                                "bankAccount.accountType (See note 3)",
                                "bankAccount.branchCode",
                                "bankAccount.countryCode",
                                "bankAccount.currencyCode"
                            ]
                        }
                    ]
                }
            ]
        }
    ]
}
    

1 Refer to Organization types for a list of possible values.
2 Refer to Identification number types for a list of possible values.
3 Refer to Account types for a list of possible values.

Requirements for additional documents

Adyen tries to verify the organization and the individuals based on the information that you provide. However, in some cases, the automatic verification might fail. This could be due to incorrect data or the data can't be verified. In these cases Adyen may ask you to provide additional documents. To see a list of accepted documents, refer to type.

When uploading documents, make sure that the document meets the requirements for file format and size and the specific requirements for the document type such as for photo IDs, organization documents, and bank statements.

File format and size

When you upload a document, the file must meet the following requirements:

  • Formats: JPEG, JPG, PNG, or PDF (max. 2 pages)
  • Size:
    • PDF: min. 1 KB, max. 4 MB
    • Other formats: min. 100 KB, max. 4 MB

Requirements for photo IDs

If the automatic verification for an individual's identification number fails, Adyen may ask you to provide a photo ID.

The following table shows the types of supported photo ID documents:

Document Data
Passport

Data page
(picture, MRZ, and details)

ID card
(government issued)

Front and back, each side in its own file.
Driver's license Front and back, each side in its own file.

The photo ID must meet the following requirements:

  • Non-expired
  • Must be in color
  • MRZ must be visible (if available)
  • Separate file for front and back of the ID document (only when providing an ID card or driver's license).

Requirements for organization registration documents

Adyen uses the organization name and organization's registration number to automatically verify an organization. In case automatic verification fails, Adyen may ask you to provide a business registration document.

The business registration document must be:

  • Issued by a reliable, independent source such as the local commercial register of the country where the business is registered in.
  • Issued within the last one year. Or it must contain a signature and a state of affairs with a date not older than one year.

Requirements for bank statements

If the automatic verification of a bank account fails, Adyen may ask you to provide a bank statement.

The bank statement must have the following information:

  • Bank logo or bank name
  • Bank account details
  • Name of the account holder

Allowed values in API requests

This section contains possible values that you can provide when creating and providing information for legal entities. To learn about how you can create legal entities, refer to Onboard and verify account holders.

Organization types

The following are some of the possible values that you can provide for the organization.type parameter when creating a legal entity for an organization.

Type Value
Private company privateCompany
Non-profit organization nonProfit
Public company - listed listedPublicCompany
Public company - unlisted unlistedPublicCompany
Association - incorporated associationIncorporated
Partnership - incorporated partnershipIncorporated
Governmental organization governmentalOrganization
Sole proprietorship soleProprietorship

Identification number types

The following are some of the possible values that you can provide for the individual.identificationData.type parameter when creating a legal entity for an individual.

Type Value
Social Security Number (US) ssn
Passport passport
ID card idCard
Driver's licence driversLicense
Visa visa

Document upload types

The following are some of the possible values that you can provide for the type parameter when uploading an additional document.

The types of documents that you can upload depend on the legal entity type and if you are uploading a bank statement for the bank account check.

For individuals

Type Value
Passport passport
Identity card identityCard
Driver's license driversLicense
Residency card or document proofOfResidency
National identification card or document proofOfNationalIdNumber

For organizations

Type Value
Registration document registrationDocument
Tax document taxDocument
Proof of address proofOfAddress

For bank accounts

Type Value
Bank statement bankStatement

See also