{"title":"Essentials onboarding","category":"default","creationDate":1690451340,"content":"<p>Onboarding your users through <a href=\"https:\/\/essentials-live.adyen.com\/essentials\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Essentials<\/a> requires no implementation effort on your side, as they can provide the information necessary for the verification process directly to Adyen. The configuration of their merchant accounts is also done in the background. You only have to monitor their verification progress and notify your users if there are issues with the data they submitted.<\/p>\n<h2>Requirements<\/h2>\n<p>Make sure that you have:<\/p>\n<ul>\n<li>Your company account in the live environment.<\/li>\n<li>Your server is properly <a href=\"\/development-resources\/webhooks\">configured to accept webhooks<\/a> and you have <a href=\"\/development-resources\/webhooks\/configure-and-manage#set-up-webhooks-in-your-customer-area\">subscribed<\/a> to the <strong>Account data notifications<\/strong> in your Customer Area.<\/li>\n<li>Agreed with your Adyen contact on your pricing plans.<\/li>\n<\/ul>\n<h2 id=\"supported-countries\">Supported countries\/regions<\/h2>\n<p>You can use Essentials to onboard your users if they operate in the following countries\/regions:<\/p>\n<table>\n<thead>\n<tr>\n<th>Country\/region<\/th>\n<th>Organizations<\/th>\n<th>Sole proprietors<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Australia <em>(beta)<\/em><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Austria<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Belgium<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Cyprus<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Czech Republic<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Denmark<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Estonia<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Finland<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>France<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Germany<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Greece<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Hungary<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Ireland<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Italy<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Latvia<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Lithuania<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Luxembourg<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Netherlands<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Poland<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Portugal<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Romania<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Singapore <em>(beta)<\/em><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Slovakia<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Slovenia<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Spain<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Switzerland<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>United Kingdom (including Isle of Man &amp; Jersey)<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>United States<\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Step 1: Request a merchant account<\/h2>\n<p>You must have the following <a href=\"\/account\/user-roles\/\">user roles<\/a> in the Customer Area:<\/p>\n<ul>\n<li>Merchant admin<\/li>\n<li>Merchant additional merchant accounts<\/li>\n<li>Merchant standard role<\/li>\n<li>Merchant allowed own password reset<\/li>\n<li>View Payments<\/li>\n<li>Merchant manage payments<\/li>\n<li>Download reports<\/li>\n<li>Generate reports<\/li>\n<li>Merchant report<\/li>\n<li>Merchant POS Terminal View role<\/li>\n<li>Merchant user management<\/li>\n<li>Merchant manage bank accounts<\/li>\n<li>Merchant dispute management<\/li>\n<li>Merchant application form<\/li>\n<li>Merchant franchisee onboarding on test<\/li>\n<li>Merchant review<\/li>\n<\/ul>\n<p>To request a new merchant account:<\/p>\n<ol>\n<li>Log in to your <a href=\"https:\/\/ca-live.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">live Customer Area<\/a>.<\/li>\n<li>Go to <strong>Settings<\/strong> &gt; <strong>Merchant accounts<\/strong> and select <strong>Request new merchant account<\/strong>.<\/li>\n<li>In the <strong>Legal entity details<\/strong> section, select your user's country of operation and the enter the legal name of your user's company.<\/li>\n<li>Select your user's sales channel.<\/li>\n<li>Depending on the selected sales channel, enter the address of your user's website or store details, then select <strong>Next<\/strong>.<\/li>\n<li>In the <strong>Account owner information<\/strong> section, enter the details of your user.<br \/>\nThe name you enter in the <strong>Username<\/strong> field will be your user's username in <a href=\"https:\/\/essentials-live.adyen.com\/essentials\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Essentials<\/a>.<\/li>\n<li>In the <strong>Account details<\/strong> section, enter the merchant account (and store) reference to be shown in the reconciliation reports.<br \/>\nThe format of the merchant account reference must comply with the previously agreed on schema for your company account.<\/li>\n<li>Select a pricing plan, if any.<\/li>\n<li>Select <strong>Submit<\/strong>.<\/li>\n<\/ol>\n<p>After the merchant account is requested, you will receive a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.created\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">merchant.created<\/a> webhook with the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.created#request-data-merchantId\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">merchantId<\/a> of the created merchant account.<\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Merchant account created'\" :id=\"''\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"type\\\": \\\"merchant.created\\\",\\n  \\\"environment\\\": \\\"test\\\",\\n  \\\"createdAt\\\": \\\"2023-02-12T10:50:01+02:00\\\",\\n  \\\"data\\\": {\\n    \\\"capabilities\\\": {\\n      \\\"sendToTransferInstrument\\\": {\\n        \\\"requested\\\": \\\"true\\\",\\n        \\\"requestedLevel\\\": \\\"notApplicable\\\"\\n      }\\n    },\\n    \\\"companyId\\\": \\\"YOUR_COMPANY_ID\\\",\\n    \\\"merchantId\\\": \\\"MC3224X22322535GH8D537TJR\\\",\\n    \\\"status\\\": \\\"PreActive\\\"\\n  }\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2>Step 2: Onboard and verify users<\/h2>\n<p>If your company has single sign-on enabled, your users will receive an email asking them to log in to <a href=\"https:\/\/essentials-live.adyen.com\/essentials\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Essentials<\/a> through your platform's SSO. Otherwise, the email will contain instructions on how to set up their <a href=\"https:\/\/essentials-live.adyen.com\/essentials\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Essentials<\/a> account.<\/p>\n<h3>Multiple merchant accounts for the same user<\/h3>\n<p>If your user's business requires it, you can create multiple merchant accounts for the same legal entity. In this case, after your user logs in to <a href=\"https:\/\/essentials-live.adyen.com\/essentials\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Essentials<\/a>, they must associate their merchant accounts with the appropriate legal entity (organization or sole proprietorship). After all merchant accounts are assigned, they can start providing the required information.<\/p>\n<h3>Onboarding page<\/h3>\n<p>On the onboarding page we ask your user to provide information about their company, its representatives, and bank account details. When prompted, they must also upload supporting documents, for example, identity documents or bank statements. For information on the accepted document formats, see <a href=\"\/managed-model\/verification-requirements\/document-requirements\">Requirements for document uploads<\/a>.<\/p>\n<p>Besides providing the required information about their company and its representatives, we also ask your user to sign the services agreement and a security questionnaire. By signing the security questionnaire, they agree to comply with the requirements laid down in the Payment Card Industry Data Security Standards (PCI DSS) for collecting, processing, storing, and transmitting cardholder data in a secure environment.<\/p>\n<p>After your user provides the required information and signs the documents, Adyen automatically starts the verification process.<\/p>\n<h2>Step 3: Get verification updates<\/h2>\n<p>You can monitor the verification of your users in two ways:<\/p>\n<ol>\n<li>Listen to the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">merchant.updated<\/a> <a href=\"#webhook\">webhook<\/a>.<\/li>\n<li>Check the onboarding report in your <a href=\"#customer-area\">Customer Area<\/a>.<\/li>\n<\/ol>\n<h3>Webhook<\/h3>\n<p>The  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">merchant.updated<\/a> webhook provides the status of the verification: valid, invalid, or rejected. The webhook examples below show when the verification is successful and when the capability is not allowed because the verification is invalid.<\/p>\n\n<div id=\"tabmwCoK\">\n    <div data-component-wrapper=\"tabs\">\n        <tabs\n                        :items=\"[{&quot;title&quot;:&quot;Successful verification&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;When the checks are completed successfully, Adyen sends a  &lt;a href=\\&quot;https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.updated\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;merchant.updated&lt;\/a&gt; webhook with:&lt;\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt; &lt;a href=\\&quot;https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.updated#request-data-capabilities-verificationStatus\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;verificationStatus&lt;\/a&gt;&amp;#58; Set to &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;valid&lt;\/strong&gt;&lt;\/span&gt;.&lt;\/li&gt;\\n&lt;li&gt; &lt;a href=\\&quot;https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.updated#request-data-capabilities-allowed\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;allowed&lt;\/a&gt;&amp;#58; Set to &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;true&lt;\/strong&gt;&lt;\/span&gt;.&lt;\/li&gt;\\n&lt;\/ul&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Successful verification&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;json\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;{\\\\n  \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;merchant.updated\\\\\\&quot;,\\\\n  \\\\\\&quot;environment\\\\\\&quot;: \\\\\\&quot;test\\\\\\&quot;,\\\\n  \\\\\\&quot;createdAt\\\\\\&quot;: \\\\\\&quot;2023-02-01T12:36:16+02:00\\\\\\&quot;,\\\\n  \\\\\\&quot;data\\\\\\&quot;: {\\\\n    \\\\\\&quot;capabilities\\\\\\&quot;: {\\\\n      \\\\\\&quot;sendToTransferInstrument\\\\\\&quot;: {\\\\n        \\\\\\&quot;allowed\\\\\\&quot;: \\\\\\&quot;true\\\\\\&quot;,\\\\n        \\\\\\&quot;verificationStatus\\\\\\&quot;: \\\\\\&quot;valid\\\\\\&quot;\\\\n      }\\\\n    },\\\\n    \\\\\\&quot;legalEntityId\\\\\\&quot;: \\\\\\&quot;Company.YourCompany:\\\\\/\\\\\/LE00000000000000000000001\\\\\\&quot;,\\\\n    \\\\\\&quot;merchantId\\\\\\&quot;: \\\\\\&quot;MC00000000000000000000001\\\\\\&quot;,\\\\n    \\\\\\&quot;status\\\\\\&quot;: \\\\\\&quot;PreActive\\\\\\&quot;\\\\n  }\\\\n}\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\/code-sample&gt;\\n&lt;\/div&gt;\\n&lt;p&gt;When you receive the  &lt;a href=\\&quot;https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.updated\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;merchant.updated&lt;\/a&gt; webhook with &lt;code&gt;status&lt;\/code&gt; set to &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;Active&lt;\/strong&gt;&lt;\/span&gt;, your users can start using &lt;a href=\\&quot;https:\/\/essentials-live.adyen.com\/essentials\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot; class=\\&quot;external-link no-image\\&quot;&gt;Essentials&lt;\/a&gt; to manage their account and start processing payments.&lt;\/p&gt;\\n&quot;,&quot;altTitle&quot;:&quot;verification-success&quot;,&quot;oldTabId&quot;:1,&quot;relation&quot;:&quot;&quot;},{&quot;title&quot;:&quot;Failed verification&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;When there are problems with the verification, Adyen sends a  &lt;a href=\\&quot;https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.updated\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;merchant.updated&lt;\/a&gt; webhook with:&lt;\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt; &lt;a href=\\&quot;https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.updated#request-data-capabilities-verificationStatus\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;verificationStatus&lt;\/a&gt;&amp;#58; Set to &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;invalid&lt;\/strong&gt;&lt;\/span&gt;.&lt;\/li&gt;\\n&lt;li&gt; &lt;a href=\\&quot;https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.updated#request-data-capabilities-allowed\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;allowed&lt;\/a&gt;&amp;#58; Set to &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;false&lt;\/strong&gt;&lt;\/span&gt;.&lt;\/li&gt;\\n&lt;li&gt; &lt;a href=\\&quot;https:\/\/docs.adyen.com\/api-explorer\/ManagementNotification\/latest\/post\/merchant.updated#request-data-capabilities-problems\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;problems&lt;\/a&gt;&amp;#58; Contains the &lt;code&gt;entity&lt;\/code&gt; and &lt;code&gt;verificationErrors&lt;\/code&gt; arrays indicating which legal entity could not be verified and why.&lt;\/li&gt;\\n&lt;\/ul&gt;\\n&lt;p&gt;If the verification is unsuccessful, you must ask your user to correct their data or upload missing documents in &lt;a href=\\&quot;https:\/\/essentials-live.adyen.com\/essentials\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot; class=\\&quot;external-link no-image\\&quot;&gt;Essentials&lt;\/a&gt;. After the data is provided, we restart the verification process.&lt;\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Failed verification&#039;\\&quot; :id=\\&quot;&#039;verification-errors&#039;\\&quot; :code-data=\\&quot;[{&amp;quot;language&amp;quot;:&amp;quot;json&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;{\\\\n  \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;merchant.updated\\\\&amp;quot;,\\\\n  \\\\&amp;quot;environment\\\\&amp;quot;: \\\\&amp;quot;test\\\\&amp;quot;,\\\\n  \\\\&amp;quot;createdAt\\\\&amp;quot;: \\\\&amp;quot;2023-02-01T09:01:02+02:00\\\\&amp;quot;,\\\\n  \\\\&amp;quot;data\\\\&amp;quot;: {\\\\n    \\\\&amp;quot;capabilities\\\\&amp;quot;: {\\\\n      \\\\&amp;quot;receivePayments\\\\&amp;quot;: {\\\\n        \\\\&amp;quot;allowed\\\\&amp;quot;: \\\\&amp;quot;false\\\\&amp;quot;,\\\\n        \\\\&amp;quot;problems\\\\&amp;quot;: [\\\\n          {\\\\n            \\\\&amp;quot;entity\\\\&amp;quot;: {\\\\n              \\\\&amp;quot;id\\\\&amp;quot;: \\\\&amp;quot;LE00000000000000000000001\\\\&amp;quot;,\\\\n              \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;LegalEntity\\\\&amp;quot;\\\\n            },\\\\n            \\\\&amp;quot;verificationErrors\\\\&amp;quot;: [\\\\n              {\\\\n                \\\\&amp;quot;code\\\\&amp;quot;: \\\\&amp;quot;2_8069\\\\&amp;quot;,\\\\n                \\\\&amp;quot;message\\\\&amp;quot;: \\\\&amp;quot;&#039;organization.type&#039; was missing.\\\\&amp;quot;,\\\\n                \\\\&amp;quot;remediatingActions\\\\&amp;quot;: [\\\\n                  {\\\\n                    \\\\&amp;quot;code\\\\&amp;quot;: \\\\&amp;quot;2_125\\\\&amp;quot;,\\\\n                    \\\\&amp;quot;message\\\\&amp;quot;: \\\\&amp;quot;Add &#039;organization.type&#039; to legal entity\\\\&amp;quot;\\\\n                  }\\\\n                ],\\\\n                \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;dataMissing\\\\&amp;quot;\\\\n            ]\\\\n          }\\\\n        ],\\\\n        \\\\&amp;quot;verificationStatus\\\\&amp;quot;: \\\\&amp;quot;invalid\\\\&amp;quot;\\\\n      }\\\\n    },\\\\n    \\\\&amp;quot;legalEntityId\\\\&amp;quot;: \\\\&amp;quot;Company.YourCompany:\\\\\/\\\\\/LE00000000000000000000001\\\\&amp;quot;,\\\\n    \\\\&amp;quot;merchantId\\\\&amp;quot;: \\\\&amp;quot;MC00000000000000000000001\\\\&amp;quot;,\\\\n    \\\\&amp;quot;status\\\\&amp;quot;: \\\\&amp;quot;PreActive\\\\&amp;quot;\\\\n  }\\\\n}&amp;quot;}]\\&quot; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\/code-sample&gt;\\n&lt;\/div&gt;\\n&quot;,&quot;altTitle&quot;:&quot;verification-failed&quot;,&quot;oldTabId&quot;:1,&quot;relation&quot;:&quot;&quot;}]\"\n            :should-update-when-url-changes='true'>\n        <\/tabs>\n    <\/div>\n<\/div>\n\n<h3>Customer Area<\/h3>\n<p>To view the status of the merchant accounts in your platform:<\/p>\n<ol>\n<li>Log in to your <a href=\"https:\/\/ca-live.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">live Customer Area<\/a>.<\/li>\n<li>Go to <strong>Reports<\/strong> and select <strong>Customer account onboarding status report<\/strong>.<\/li>\n<\/ol>\n<p>If your users have completed the onboarding and the <strong>Capability status<\/strong> still shows errors, the information provided by your user could not be verified. You must ask them to correct their data or upload missing documents in <a href=\"https:\/\/essentials-live.adyen.com\/essentials\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Essentials<\/a>. After the data is provided, we restart the verification process.<\/p>\n<p>When the <strong>Account status<\/strong> changes to <strong>Active<\/strong> on the onboarding report page, your users can start using <a href=\"https:\/\/essentials-live.adyen.com\/essentials\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Essentials<\/a> to manage their account and start processing payments.<\/p>\n<h2>Payment methods<\/h2>\n<p>After their merchant account becomes active, payment methods are automatically configured for your users according to the list you provided to your Adyen contact.<\/p>\n<div class=\"notices green\">\n<p>Payment methods that require additional parameters are currently <strong>not<\/strong> automatically created through the Essentials onboarding flow. To request them, please contact Support.<\/p>\n<\/div>\n<p>For the list of available payment methods, see <a href=\"\/managed-model\/payment-methods#supported-payment-methods\">Supported payment methods<\/a>.<\/p>\n<h2>Payouts<\/h2>\n<p>If your user has only one merchant account and one bank account associated with one legal entity, payouts are automatically enabled for them after they pass the verification checks. Otherwise, they must <a href=\"\/essentials\/getting-paid#payout-account\">configure their payout account<\/a> in <a href=\"https:\/\/essentials-live.adyen.com\/essentials\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Essentials<\/a>.<\/p>","url":"https:\/\/docs.adyen.com\/managed-model\/onboard-users\/essentials","articleFields":{"description":"Collect your users' verification data through Adyen's Essentials onboarding page.","never_cache_twig":true,"parameters":{"integrationType":"managed","onboardingType":"essentials","directoryPath":"\/managed-model"},"feedback_component":true,"filters_component":false,"last_edit_on":"25-10-2023 11:42","page_id":"ebb8e548-b2f2-4ca9-923c-7265e04e7a8b"},"algolia":{"url":"https:\/\/docs.adyen.com\/managed-model\/onboard-users\/essentials","title":"Essentials onboarding","content":"Onboarding your users through Essentials requires no implementation effort on your side, as they can provide the information necessary for the verification process directly to Adyen. The configuration of their merchant accounts is also done in the background. You only have to monitor their verification progress and notify your users if there are issues with the data they submitted.\nRequirements\nMake sure that you have:\n\nYour company account in the live environment.\nYour server is properly configured to accept webhooks and you have subscribed to the Account data notifications in your Customer Area.\nAgreed with your Adyen contact on your pricing plans.\n\nSupported countries\/regions\nYou can use Essentials to onboard your users if they operate in the following countries\/regions:\n\n\n\nCountry\/region\nOrganizations\nSole proprietors\n\n\n\n\nAustralia (beta)\n\n\n\n\nAustria\n\n\n\n\nBelgium\n\n\n\n\nCyprus\n\n\n\n\nCzech Republic\n\n\n\n\nDenmark\n\n\n\n\nEstonia\n\n\n\n\nFinland\n\n\n\n\nFrance\n\n\n\n\nGermany\n\n\n\n\nGreece\n\n\n\n\nHungary\n\n\n\n\nIreland\n\n\n\n\nItaly\n\n\n\n\nLatvia\n\n\n\n\nLithuania\n\n\n\n\nLuxembourg\n\n\n\n\nNetherlands\n\n\n\n\nPoland\n\n\n\n\nPortugal\n\n\n\n\nRomania\n\n\n\n\nSingapore (beta)\n\n\n\n\nSlovakia\n\n\n\n\nSlovenia\n\n\n\n\nSpain\n\n\n\n\nSwitzerland\n\n\n\n\nUnited Kingdom (including Isle of Man &amp; Jersey)\n\n\n\n\nUnited States\n\n\n\n\n\nStep 1: Request a merchant account\nYou must have the following user roles in the Customer Area:\n\nMerchant admin\nMerchant additional merchant accounts\nMerchant standard role\nMerchant allowed own password reset\nView Payments\nMerchant manage payments\nDownload reports\nGenerate reports\nMerchant report\nMerchant POS Terminal View role\nMerchant user management\nMerchant manage bank accounts\nMerchant dispute management\nMerchant application form\nMerchant franchisee onboarding on test\nMerchant review\n\nTo request a new merchant account:\n\nLog in to your live Customer Area.\nGo to Settings &gt; Merchant accounts and select Request new merchant account.\nIn the Legal entity details section, select your user's country of operation and the enter the legal name of your user's company.\nSelect your user's sales channel.\nDepending on the selected sales channel, enter the address of your user's website or store details, then select Next.\nIn the Account owner information section, enter the details of your user.\nThe name you enter in the Username field will be your user's username in Essentials.\nIn the Account details section, enter the merchant account (and store) reference to be shown in the reconciliation reports.\nThe format of the merchant account reference must comply with the previously agreed on schema for your company account.\nSelect a pricing plan, if any.\nSelect Submit.\n\nAfter the merchant account is requested, you will receive a  merchant.created webhook with the  merchantId of the created merchant account.\n\n    \n\nStep 2: Onboard and verify users\nIf your company has single sign-on enabled, your users will receive an email asking them to log in to Essentials through your platform's SSO. Otherwise, the email will contain instructions on how to set up their Essentials account.\nMultiple merchant accounts for the same user\nIf your user's business requires it, you can create multiple merchant accounts for the same legal entity. In this case, after your user logs in to Essentials, they must associate their merchant accounts with the appropriate legal entity (organization or sole proprietorship). After all merchant accounts are assigned, they can start providing the required information.\nOnboarding page\nOn the onboarding page we ask your user to provide information about their company, its representatives, and bank account details. When prompted, they must also upload supporting documents, for example, identity documents or bank statements. For information on the accepted document formats, see Requirements for document uploads.\nBesides providing the required information about their company and its representatives, we also ask your user to sign the services agreement and a security questionnaire. By signing the security questionnaire, they agree to comply with the requirements laid down in the Payment Card Industry Data Security Standards (PCI DSS) for collecting, processing, storing, and transmitting cardholder data in a secure environment.\nAfter your user provides the required information and signs the documents, Adyen automatically starts the verification process.\nStep 3: Get verification updates\nYou can monitor the verification of your users in two ways:\n\nListen to the  merchant.updated webhook.\nCheck the onboarding report in your Customer Area.\n\nWebhook\nThe  merchant.updated webhook provides the status of the verification: valid, invalid, or rejected. The webhook examples below show when the verification is successful and when the capability is not allowed because the verification is invalid.\n\n\n    \n        \n        \n    \n\n\nCustomer Area\nTo view the status of the merchant accounts in your platform:\n\nLog in to your live Customer Area.\nGo to Reports and select Customer account onboarding status report.\n\nIf your users have completed the onboarding and the Capability status still shows errors, the information provided by your user could not be verified. You must ask them to correct their data or upload missing documents in Essentials. After the data is provided, we restart the verification process.\nWhen the Account status changes to Active on the onboarding report page, your users can start using Essentials to manage their account and start processing payments.\nPayment methods\nAfter their merchant account becomes active, payment methods are automatically configured for your users according to the list you provided to your Adyen contact.\n\nPayment methods that require additional parameters are currently not automatically created through the Essentials onboarding flow. To request them, please contact Support.\n\nFor the list of available payment methods, see Supported payment methods.\nPayouts\nIf your user has only one merchant account and one bank account associated with one legal entity, payouts are automatically enabled for them after they pass the verification checks. Otherwise, they must configure their payout account in Essentials.","type":"page","locale":"en","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Adyen for Platforms - Managed model","lvl2":"Onboard and verify users","lvl3":"Essentials onboarding"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/managed-model","lvl2":"https:\/\/docs.adyen.com\/managed-model\/onboard-users","lvl3":"\/managed-model\/onboard-users\/essentials"},"levels":4,"category":"","category_color":"","tags":["Essentials","onboarding"]}}