--- title: "Reference for additional capabilities" description: "Learn what additional information is required to issue cards to your users" url: "https://docs.adyen.com/issuing/verification-requirements/reference-additional-products" source_url: "https://docs.adyen.com/issuing/verification-requirements/reference-additional-products.md" canonical: "https://docs.adyen.com/issuing/verification-requirements/reference-additional-products" last_modified: "2026-07-17T16:24:26+02:00" language: "en" --- # Reference for additional capabilities Learn what additional information is required to issue cards to your users [View source](/issuing/verification-requirements/reference-additional-products.md) If you are using onboarding v4, see the possible values for [industry codes](#industry-codes) and [source of funds](#list-source-of-funds) when creating business lines. ## Requirements If you have an [Adyen Issuing](/issuing) integration, there are no additional requirements, limitations, or preparations. ## Industry codes As a financial institution, Adyen has a legal obligation to collect information about the line of business from your users. This is done by capturing Industry Codes (ICs). You are required to provide industry codes for your users when requesting business accounts. These codes can represent the industry in which the user is registered based on their local registry (for example, chamber of commerce or secretary of state). Industry codes have been mapped to merchant category codes (MCCs) and adapted based on our internal regulations. For some industries, Adyen requires approval before onboarding users. Select an IC that best represents your user's business activity: * [Industry code list](/issuing/verification-requirements/reference-additional-products/industry-codes/) * [Brand-specific industry code list](/issuing/verification-requirements/reference-additional-products/brand-specific-industry-codes/) To submit this information to Adyen, make a POST [/businessLines](https://docs.adyen.com/api-explorer/legalentity/latest/post/businessLines) request specifying the industry code that most accurately represents the business activity of the user. After collecting industry codes, Adyen also makes this data available for you, in case you want to gain insights on your users. ## Source of funds list Only applicable for [business accounts](/business-accounts/) and [card issuing](/issuing). Adyen is required to verify the source of funds (SOF) used to fund an account. This requirement is applicable for both [card issuing](/issuing) and [business accounts](/business-accounts/). Depending on the type of funds, we may request additional documents as proof. We strongly recommend that you have these documents available before starting in order to speed up this process. To submit this information to Adyen, make a POST [/businessLines](https://docs.adyen.com/api-explorer/legalentity/4/post/businessLines) request, specifying the `service` as either: * **banking** for business accounts * **issuing** for card issuing If the source of funds was processed through Adyen, set the `sourceOfFunds.adyenProcessedFunds` to **true**. If the source of funds was not processed through Adyen, set the `sourceOfFunds.adyenProcessedFunds` to **false**. You must then include the `sourceOfFunds.type` and `sourceOfFunds.description`. The description must state the origin of the source of funds. The following table shows the accepted funding sources and the required documents for each type, if requested. If the type of accepted document has a listed date requirement, the document must meet this requirement. | Type of Source of Funds | `businessLines.sourceOfFunds.type` API value | Documents must show | Examples of accepted documents | | ----------------------------------------- | --------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Business earnings processed through Adyen | Set `businessLines.adyenProcessedFunds` to **true** | N/A | No supporting document is required | | Previous business earnings | **business** | * Name of company * Amounts earned * Description of business activity | - Latest accounts (issued within the last financial year) - Annual Statements (within 12 months) - Latest tax filing (issued within the last year) - Letter from accountant (signed and dated within 12 months) - Recent Invoices (last 3 months) | | (Previous) employment | **employment** | * Your business name * Date document was issued * Bank logo/name (for bank statement) * Employer’s name (for payslips) | - Last 3 months of bank statements - Last 3 months of payslips | | Cryptocurrency | **cryptocurrencyIncome** | * Your business name * Date document was issued (no older than 12 months) * Name of Crypto-exchange * Name of coin | - Proof of ownership of wallet - Statement of transaction history (showing crypto) - Latest tax report (showing crypto) (no older than 12 months) | | Investments (dividends) | **dividendIncome** | * Your business name * The date your business received the money * The amount received * The type of investments * Names of the parties involved | - Contract specifying dividends - Latest tax returns of the company (no older than 12 months) - Investment certificate - Broker statement (issued within 3 months) | | Loans | **loans** | * Your business name * Amount you borrowed * The date you received the money * Name of the lender * Address of the lender * Purpose of the loan | - Loan agreement - Loan statement (no older than 12 months) | | Subsidies / Grants | **financialAid** | * Amount of Subsidy / Grant * Providers(s) of Subsidy / Grant * Time Period | - Confirmation of Subsidy / Grant - Subsidy Receipt | | Third Party Funding (capital investments) | **thirdPartyFunding** | * Your business name * The date your business received the money * The amount received * Names of the parties involved * Addresses of the parties involved * Signatures of the parties involved * Payment purpose | - Investor contracts - Investor memoranda - Notarized statements (no older than 12 months) - Partnership agreement | | Property Sale | **assetSale** | * Date money was received * Amount you received * Address (if applicable) * Description of property | - Proof of ownership (notarized) - Signed letter from the solicitor / estate agent (no older than 12 months) - Copy of contract of sale - Tax declaration (no older than 12 months) - Title deed (notarized) | | Rental Income | **rentalIncome** | * Amount received * Address * Name of parties to the agreement | - Rental Agreement - Proof of Ownership | | Donations / Gifts | **donations** | * Amount received * Date of transfer * Full name of donor | - Original or certified copy of grant | | Royalty Income | **royaltyIncome** | * Description of (intellectual) property * Amount received | - Royalty agreement - Tax declaration (no older than 12 months) | | Gambling / Lottery | **gamblingWinnings** | * Amount won * Date of winning * Location / Site | - Proof of Winnings - Win Report - Win/Loss Statement (issued within 3 months) - Tax declaration that shows winnings (issued within 12 months) | | Inheritance | **inheritance** | * Name of person who made the will * Amount received / Value of estate * Date received * Name of benefactor | - Certificate of inheritance - A grant of probate - Letter from solicitor / notary (no older than 12 months) - Signed copy of the will | | Pension | **pensionIncome** | * Amount to be received * Legal Name of recipient | - Pension slip (no older than 12 months) - Letter from previous employer - Pension statement form (no older than 12 months) | | Insurance / Settlement | **insuranceSettlement** | * Amount of settlement * Legal name of recipient * Date received | - Court order - Letter from lawyer / solicitor - Letter from insurer | ## See also * [Industry codes list](/issuing/verification-requirements/reference-additional-products/industry-codes/) * [Brand-specific industry codes list](/issuing/verification-requirements/reference-additional-products/brand-specific-industry-codes/) * [Onboarding steps](/issuing/onboard-users/onboarding-steps/)