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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 (Optional)",
                                "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.identificationData.type (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":"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 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",
                                "",
                                "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.accountNumber",
                                "bankAccount.accountType (See note 3)",
                                "bankAccount.branchCode (See note 4)",
                                "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.
4 A branch code is the routing number assigned to the bank account. The account holder can get the routing number from official bank documents such as bank statements.

See also