The information in this page does not constitute legal advice. It only provides an overview of Adyen's compliance guidelines for financial products. For additional, non-legal clarifications about this content, reach out to your Adyen contact.
When offering Adyen financial products to your users, you need to provide them with account statements. In these account statements, you must include the data that Adyen provides you. This data must remain unchanged, and your account statement template must be approved by Adyen.
Provision of account statements applies to the following financial products:
- Business accounts: required.
- Issuing: optional.
Required data
The following sections show the data that you must include in account statements for your users. Expand the sections to see the requirements for each financial product.
The following table shows the data that you must include in account statements for business accounts. You can get most of this data through Adyen's APIs. Any data that you get from Adyen's APIs must remain unchanged.
| Required information | Required for EU | Required for US | Required for UK |
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| Required information | Required for EU | Required for US | Required for UK |
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Information about the financial institution:
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Information about the financial institution:
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Information about the payment service provider (PSP):
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Not provided by Adyen's APIs Information about your platform:
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Account type: Business bank account |
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Account type: Business account |
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Account holder details:
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Account details:
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Account details:
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Account details:
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The period of the statement, specifying the date of the beginning and the end of the period. For example: October 1, 2024 - October 31, 2024 |
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The account balance, specifying the balance at the beginning and the end of the period of the statement. |
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Transaction data for every transaction within the period of the statement:
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Total debits or withdrawals during the period of the statement. |
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Total credits or deposits during the period of the statement. |
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For interest-bearing accounts, include:
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A reference to the Depositor Information Sheet. |
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Provide the disclosure for the Deposit Guarantee Scheme (DGS):In the EU, Adyen N.V. is registered with the Dutch deposit guarantee scheme register and eligible funds up to EUR 100,000 are legally protected by the Dutch deposit guarantee scheme. |
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Disclose that the account is not FDIC insured, using the approved statement below:Adyen Business Bank Accounts in the United States are not insured by the FDIC and are not guaranteed by the Federal Government. If Adyen places deposits in a cash sweep program utilizing FDIC-insured depository institutions, such deposits may be covered by FDIC insurance up to applicable limits in accordance with the FDIC rules, including those relevant to the aggregation of multiple accounts. |
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For prepaid card programs, your platform is not required to send periodic account statements to your users. However, your platform must provide on-demand access to the information of all their card transactions. For example, you can show a user's transaction history in your user interface.
If you show transaction information in your user interface, you must take screenshots of this feature. You must submit the screenshot to Adyen for review and approval. Additionally, you must keep these screenshots as a replacement for records of account statements.
The following table shows the data that you must include in account statements for Adyen-issued cards. You can get most of this data through Adyen's APIs. Any data that you get from Adyen's APIs must remain unchanged.
| Required information | Required for EU | Required for US | Required for UK |
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| Required information | Required for EU | Required for US | Required for UK |
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Information about the card issuer:
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Information about the card issuer:
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Information about the card issuer:
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Not provided by Adyen's APIs Information about your platform:
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Account holder details:
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Account details:
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Account details:
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Account details:
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The period of the statement, specifying the date of the beginning and the end of the period. For example: October 1, 2024 - October 31, 2024 |
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| The account balance, specifying the balance at the beginning and the end of the period of the statement. | |
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Transaction data for every transaction within the period of the statement:
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| Total debits or withdrawals during the period of the statement. | |
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| Total credits or deposits during the period of the statement. | |
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Review by Adyen
After you have created a template for your account statements, you must submit it to Adyen for review and approval.