Manage account holders

Account holder are the main API resource that represent users of your issuing. It contains the legal entities and balance accounts of the user. The object also contains information about the user's capabilities. To manage account holders, use the Configuration API.

This page contains instructions for common account holder operations. These operations are part of a larger process which includes verification and onboarding steps.

View account holders

To view account holder details, you can either use your Balance Platform Customer Area or make an API request. The following tabs explain both methods.

Update an account holder

After you create an account holder resource, you may need to update it at a later time. For example, when an an account holder with multiple balance accounts wants to change their primary balance account. To update an account holder:

1. Make a PATCH /accountHolders/{id} request. The example below shows how you can change the primary balance account of an account holder by sending the primaryBalanceAccount field.

2. Receive the response with the updated account holder object.

Deactivate account holders

When an account holder discontinues their business, you can permanently deactivate them and their balance accounts from your issuing.

In some scenarios, you might also want to close a balance account but keep the account holder active. For example, an account holder that has separate balance accounts for their businesses might want to only close one of their businesses.

To close balance accounts and account holders:

1. Check if they have zero balance in their balance accounts. You can only close empty balance accounts, so if there are funds left, transfer any remaining balance.
2. Close balance accounts by updating each balance account and setting the status to Closed. Start with those that are not the primary balance account. You can only close a primary balance account if the account holder's other balance accounts are already closed.
3. Finally, permanently deactivate the account holder by updating the account holder and setting the status to Closed.

View capabilities

View an account holder's capabilities and their verification status in your Balance Platform Customer Area or by making a GET /accountHolders/{id} request. The following tabs explain both methods.

Request a capability

Some capabilities are automatically requested when you create an account holder. However, your account holders may need additional capabilities. For example, if your business expands its financial product offering. In these cases, you must request the additional capabilities.

The following tabs show how to request a capability.

Enable or disable a capability

To allow or prevent an account holder from using a capability, update the capability in your Balance Platform Customer Area or request a PATCH /accountHolders/{id}. The following tabs explain both methods.

Manage KYC

The Know Your Customer (KYC) checks are part of the verification process that Adyen performs to make sure that account holders have provided accurate information about their businesses.

In your Balance Platform Customer Area you can access a KYC summary and a detailed timeline of the entire verification process. You can also view and download any documents that account holders have uploaded.

View KYC summary and timeline

You can view information about the verification process for account holders in your issuing. This includes an overview of the current verification status for associated legal entities and a timeline of KYC-related events. You can use this information to help your users troubleshoot issues they experience during the onboarding process.

To view KYC summary and timeline information in your Balance Platform Customer Area :

1. Do one of the following:
   • Go to Accounts & balances > Account holders and select an account holder ID from the table.
   • Search for an account holder by selecting Search. As a parameter, you can use the account holder ID, account holder reference, or the ID of the linked legal entity.
2. On the Account holder details page, select KYC timeline.

The KYC summary section shows the current status of the KYC checks separated by the type of check, for example Identity. If there are multiple legal entities linked to the account holder, the type of each legal entity is specified, for example Individual.

View KYC documents

Based on your role, you may view only or view and download the documents that account holders have uploaded during their onboarding process for verification checks.

In your Balance Platform Customer Area :

1. Do one of the following:
   • Go to Accounts & balances > Account holders and select an account holder ID from the table.
   • Search for an account holder by selecting Search. As a parameter, you can use the account holder ID, account holder reference, or the ID of the linked legal entity.
2. On the Account holder details page, select KYC documents.

You can use this information to help your users resolve verification errors they experience during the onboarding process, such as expired documents or a mismatch between the legal and organization names.

Apply filters by document type, file name, and associated legal entity ID to get the information you need.