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User application and interface

Learn about the compliance requirements for your user interface and application.

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.

To offer financial products to your users, Adyen requires that your user interface and application always provide information that is complete, true, and accurate. To ensure this, your user interfaces and apps must:

Do not present your platform as a bank

Adyen's financial products are only for business purposes and only available to users onboarded on your platform. For this reason:

  • Do not present your platform as a bank.
  • Do not imply in any way that you offer traditional banking products for consumers.

Enable your users to request financial products

Your user interface must enable your users to submit a request for any of the financial products that your platform and Adyen have agreed to provide.

Collect KYC information and send it to Adyen

When your users request Adyen's financial products, Adyen verifies that they comply with the requirements for using the requested products. This verification process is known as Know Your Customer (KYC) verification.

Your users must provide accurate information about their businesses. Based on the results of the KYC verifications of the provided information, Adyen decides if a user can get access to financial products.

Hosted onboarding or your own onboarding user interface

If your platform uses Adyen's hosted onboarding, the KYC fields for submitting information, and the Agreements/User Terms are hosted by Adyen. Also, the information is automatically sent to Adyen.

If you build your own interface to onboard your users:

  • Determine the verification requirements.
  • Enable users to submit the required KYC information in your interface.
  • Save the submitted information and send it to Adyen.
  • Route users to your User Terms acceptance page before enabling them to submit their request for financial products.

Users in the United States

For users in the United States, you must include a disclosure for Customer Identification Procedures (CIP). Your interface must show the CIP disclosure before prompting a user to provide personal information. For example, if your interface shows the CIP disclosure on the same page as the fields for personal information, show the CIP disclosure first.

Use the following CIP disclosure text without any changes:

Manage required agreements and user terms

Your users must accept Adyen's Terms of Service before they can use financial products. If you build your own interface to onboard your users, your application must generate a Terms of Service document, and in your user interface:

  • Present the Terms of Service document to your users.
  • Prompt your users to accept the Terms of Service.
  • Register the users' acceptance and send it to Adyen.
  • Show and provide access to the accepted terms upon user request.

Enable your users to access financial product information

Your user interface must enable your users, free of charge, to access information regarding their financial products. This information includes transactions, fees, and other account information provided by Adyen to your platform through Adyen's APIs.

The following table shows the information requirements for each financial product:

Financial product Product information your interface must provide

Business accounts


  • Balance information of issued cards or e-money accounts

  • Transaction history of issued cards or e-money accounts


See the additional requirements for Capital user interfaces.

(Only for EU) Provide a Depositor Information Sheet for business accounts

Funds in EU accounts are protected by the Deposit Guarantee Schemes (DGS). If you offer business accounts in the EU, you must provide your EU users with all the relevant information about the DGS coverage. To do this, include a Depositor Information Sheet in your interface.

You must provide your users with a Depositor Information Sheet:

  • Before offering them business accounts.
  • Annually, after they have opened a business account.

Show the Depositor Information Sheet exactly as Adyen provides it to you. Also, ensure that your users read and acknowledge the sheet. You can do this by letting them sign the document electronically.

Template for Depositor Information Sheets

When you create a Depositor Information Sheet, include all the information provided in this subsection and use the following template.

Basic information about the protection of deposits:

Deposits in Adyen N.V. are protected by:

Dutch statutory Deposit Guarantee Scheme.1

Limit of protection:

EUR 100.000 per depositor per credit institution.2

The following trademarks are part of your credit institution: Adyen

If you have more deposits at the same credit institution:

All your deposits at the same credit institution are 'aggregated' and the total is subject to the limit of EUR 100.000.

If you have a joint account with other person(s):

The limit of EUR 100.000 applies to each depositor separately.3

Reimbursement period in case of credit institution's failure:

10 working days4

Currency of reimbursement:



  • De Nederlandsche Bank N.V.

  • PO box 98, 1000 AB Amsterdam

  • Visiting address: Spaklerweg 1, 1096 BA Amsterdam

  • Telephone (from Monday to Friday between 9:00 and 15:30 CET):

    • From the Netherlands: 0800 020 1068

    • From abroad: +31 20 524 91 11

  • Email:

More information:

In, go to the English section and search for Deposit Guarantee Scheme.

Additional information:
Other important information:

In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes.

Exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your credit institution will also inform you on request whether certain products are covered or not. If deposits are covered, the credit institution shall also confirm this on the statement of account.
(1) Scheme responsible for the protection of your deposit:

Your deposit is covered by the Dutch statutory Deposit Guarantee Scheme. If insolvency of your credit institution should occur, your deposits would be repaid up to EUR 100.000.
(2) General limit of protection:

If a deposit is unavailable because a credit institution is unable to meet its financial obligations, depositors are repaid by the Dutch Deposit Guarantee Scheme. This repayment covers at maximum EUR 100.000 per credit institution. This means that all deposits at the same credit institution are added up in order to determine the coverage level. If, for instance, a depositor holds a savings account with EUR 90.000 and a current account with EUR 20.000, he or she will only be repaid EUR 100.000.

This method will also be applied if a credit institution operates under different trademarks. Adyen N.V. also trades under Adyen. This means that all deposits with one or more of these trademarks are in total covered up to EUR 100.000.
(3) Limit of joint account protection:

In case of joint accounts, the limit of EUR 100.000 applies to each depositor.

However, deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of EUR 100.000.

More information can be obtained under Go to the English section and search for Deposit Guarantee Scheme.
(4) Reimbursement:

The responsible Deposit Guarantee Scheme is the Dutch statutory Deposit Guarantee Scheme which is executed by De Nederlandsche Bank N.V. (Dutch Central Bank) (DNB); PO box 98 1000 AB Amsterdam; visiting address: Spaklerweg 1, 1096 BA Amsterdam; telephone (from Monday to Friday between 9:00 and 15:30): from the Netherlands: 0800-0201068, from abroad: + 31 20 524 91 11; email: ; website: Go to the English section and search for Deposit Guarantee Scheme. It will repay your deposits (up to EUR 100.000) within 10 (ten) working days at the latest.

If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit.

The reimbursement period will gradually be brought back to 7 (seven) working days. During this transition period, the Dutch Central Bank (DNB) can upon request award you an appropriate amount to cover basic needs. Further information can be obtained under Go to the English section and search for Deposit Guarantee Scheme.

See also