To start the verification process, you must collect and submit the required verification information from your user. These requirements depend on:
- The country/region your users are operating in
- The legal entity of your user
- The levels for the capabilities you request for your user
In addition to the minimum required information based on the country/region and legal entity type, when issuing cards you must also collect your user's VAT number. If they are operating in a country/region that does not have VAT system, collect their tax ID instead.
This page helps you determine what verification requirements apply to your users based on these factors.
Requirements
If you have an Adyen for Platforms or Adyen Issuing integration, there are no additional requirements, limitations, or preparations.
Country/region of operation
Verification requirements vary based on the regulations in the country/region where your user is operating in. For example, in Belgium, a sole proprietorship is required to have a registration number, while this is not required in the United Kingdom.
See minimum required information for more details on the requirements for specific countries/regions and legal entities.
Minimum age requirements for users
It is only possible to onboard minor users if you are using v3 or v4 of the Legal Entity Management API. Reach out to your Adyen contact for more information.
Note that users under the age of 13 can never be onboarded. For users between the ages of 13 and 18, the following requirements apply based on their country of residency.
| Country/region of residency for user | Age range | Onboarding requirements |
|---|---|---|
| European Union (including Norway, Switzerland, and the United Kingdom) | 16-18 years old | Can be onboarded with a legal representative. The legal representative must also be onboarded as an authorised signatory. |
| Australia, Canada, United States | 13-18 years old | Can be onboarded with a legal representative. The legal representative must also be onboarded as an authorised signatory. |
| Hong Kong and Singapore | < 18 years old | Cannot be onboarded. |
Adyen requires the following information about the legal representative:
- First and last name
- Date of birth
- Full address for their location of residency
- Social Security Number (SSN), National ID number, or Identity number
- Their
relationshipto the user:parentorguardian - A statement from the representative that they consent to the user's agreement to abide by Adyen's Terms of Service
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If Adyen cannot verify the legal representative's information based on the details provided, we may ask for a copy of their ID. This can then be uploaded through the Hosted Onboarding page or the Legal Entity Management API.
Legal entity type
Verification requirements vary based on your user's legal entity type. A legal entity can be a person or an entity that represents your user's business, such as a public company or a nonprofit organization.
The user that holds a contractual relationship with your is the main legal entity. You must collect information about the main legal entity, and about other entities that are associated with this user. For example, if your user is a private company, you must also collect information about the owners of the company. You must create individual legal entities for each owner and link them to the company, which is the main legal entity that is conducting business with your platform or marketplace.
Supported legal entity types per country
| Country/Region | Individual | Organization | Sole Proprietorship | Trust | Unincorporated Partnership |
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The following tabs show the legal entity types and describe the general requirements for the data that you need to collect from them.
Multiple card users under one balance account
Some use cases might require having multiple card users under one balance account, but only the account holder will go through the verification. For example, creating named cards for multiple employees in one company.
If you have a similar scenario, reach out to your Adyen contact to discuss and confirm the use case.
Capability levels
Capabilities for card issuing can have different levels: low, medium, or high. Levels increase the capability, but may also require more checks and increased monitoring. The amounts below are the threshold amounts per card, per day.
| Capability | Low | Medium | High |
|---|---|---|---|
| withdrawFromAtm | 0 | Less than or equal to EUR 750 | More than EUR 750 and less than EUR 1000 |
| withdrawFromAtmInRestrictedCountries | 0 | Less than or equal to EUR 500 | More than EUR 500 and less than EUR 1000 |
| useCardInRestrictedCountries | 0 | Greater than 0 | Greater than 0 |
| useCardInRestrictedIndustries | 0 | Greater than 0 | Greater than 0 |
Additional requirements for users in the US
For your users in the US, you must include the following requirements in your onboarding flow. Adyen will check your onboarding flow to ensure that it meets the guidelines.
| Financial product | Requirement |
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| All financial products |
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