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Build your own onboarding implementation

Learn how to build your own implementation to onboard your sub-merchants and move them through the KYC verification process.

You can choose to build your own process to onboard your sub-merchants. The onboarding process follows these main steps:

  1. Create an account holder for your sub-merchant and immediately start processing payments.
  2. Enable payouts for your account holder.
  3. Pass in-depth verification to continue payment processing and payouts.
  4. (Optional) For account holders in the EU, or as a last effort verification, carry out a final Photo ID verification.

After completing in-depth verification, your sub-merchant will be able to process payments and payout freely.

Step 1: Create an account holder

To onboard your sub-merchant, create an Account Holder. The account holder represents your sub-merchant's entity.

For each account holder you create, provide a unique ID, accountHolderCode. This is the ID that you will use in the Platforms API whenever referencing the account holder.

The rest of the information needed to create an account holder is determined by their legalEntity: provide as Individual if onboarding a person or sole proprietor, or Business if onboarding a company.

To create an account holder for an individual or sole proprietor, the minimum information to collect is their name.firstName, name.lastName, and email. You also need to provide name.gender though if you do not want to request it from your sub-merchant, you can pass as UNKNOWN. Include the address object with the country information to initiate the verification process required for the specific country. Provide this information in the /createAccountHolder call.

When collecting your sub-merchant's name, make sure they register with your platform using the name shown on their Photo ID.

Request (POST /createAccountHolder):

 

{
   "accountHolderCode":"YOUR_UNIQUE_ACCOUNT_HOLDER_CODE",
   "accountHolderDetails":{
      "address": {
        "country": "US"
      },
      "email":"tim@green.com",
      "individualDetails":{
         "name":{
            "firstName":"Tim",
            "gender":"MALE",
            "lastName":"Green"
         }
      }
   },
   "legalEntity":"Individual"
}
Response:
{
   "invalidFields": [],
   "pspReference":"8815214563869136",
   "accountCode":"138215709",
   "accountHolderCode":"QklMTFlCT0IK",
   "legalEntity":"Individual",
   "accountHolderDetails":{
      "address":{
         "country":"US"
      },
      ...
   },
    "accountHolderStatus": {
      "status": "Active",
    ...
   },
   ...
}

You receive a response that may contain any of the following status codes:

  • HTTP 200: You can use the information returned in the API response, such as the accountCode, but you should wait for the ACCOUNT_HOLDER_CREATED notification before performing any business logic. The notification confirms when the resource has been added in our central database.
  • HTTP 202: The request has been acknowledged and added to the queue. Use the response to check and confirm the changes you made. Wait for the ACCOUNT_HOLDER_CREATED notification to confirm if the account holder has been successfully created before performing any business logic.

Creating an account holder automatically creates an Account. The account's identifier is in the response as accountCode. Save the accountCode, this is the ID you will use to process the account holder's transactions.

To create an account holder for a business, the minimum information to collect is their businessDetails.legalBusinessNamebusinessDetails.shareholders, and email.  Include an address object with country information to initiate the verification process required for the specific country.

Provide these values along with the unique accountHolderCode and legalEntity as Business in the /createAccountHolder call.

Request (POST /createAccountHolder):

 

{
  "accountHolderCode": "YOUR_UNIQUE_ACCOUNT_HOLDER_CODE",
  "accountHolderDetails": {
    "address": {
        "country": "US"
    },
    "businessDetails": {
      "legalBusinessName": "Real Good Restaurant Inc.",
      "shareholders": [
        {
            "name": {
              "firstName": "Maria",
              "gender": "FEMALE",
              "lastName": "Green"
            },
            "address": {
              "country": "US"
            }
        }
      ]
    },
    "email": "maria@green.com"
  },
  "legalEntity": "Business"
}

Response:

 

{
   "invalidFields": [],
   "pspReference":"8815214563869136",
   "accountCode":"138215709",
   "accountHolderCode":"QklMTFlCT0IK",
   "legalEntity":"Business",
   "accountHolderDetails":{
      "address":{
         "country":"US"
      },
      ...
   },
    "accountHolderStatus": {
      "status": "Active",
    ...
   },
   ...
}

You receive a response that may contain any of the following status codes:

  • HTTP 200: You can use the information returned in the API response, such as the accountCode, but you should wait for the ACCOUNT_HOLDER_CREATED before performing any business logic. The notification confirms when the resource has been added in our central database.
  • HTTP 202: The request has been acknowledged and added to the queue. Use the response to check and confirm the changes you made. Wait for the ACCOUNT_HOLDER_CREATED notification to confirm if the account holder has been successfully created. Get the corresponding accountCode from the notification.

Creating an account holder automatically creates an Account. The account's identifier is in the response as accountCode. Save the accountCode, this is the ID you will use to process the account holder's transactions.

An account holder can hold one or more accounts. The account is where all transactions are processed against. Refer to Account structure for more information.

After successfully creating the account holder, you can immediately start processing payments on behalf of your sub-merchants. You can confirm that payments are enabled by the account holder's state – accountHolderStatus.status with a value of Active.

Step 2: Enable payouts

Adyen needs additional information about the account holder in order to be able to pay out. This information needs to be provided within 30 days of the account holder's first transaction.

If your account holder has already processed a few thousand dollars, they will additionally need to complete In-depth verification to enable payouts.

To enable payouts for your account holder, collect the following information and provide in the /updateAccountHolder call. The information is categorized by their corresponding verification checks:

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        {
            "id":"US",
            "displayName":"US - United States",
            "imageName":"us.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
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                                "address.city",
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                                "individualDetails.personalData.dateOfBirth",
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                {
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                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.stateOrProvince",
                                "address.city",
                                "address.postalCode",
                                "address.street",
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            ]
        },
        {
            "id":"AT",
            "displayName":"AT - Austria",
            "imageName":"at.png",
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                    "displayName":"For individuals",
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                            "displayName":"Identity check",
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                        {
                            "displayName":"Bank account check",
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                    "displayName":"For businesses",
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                        },
                        {
                            "displayName":"Company check",
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                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
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                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
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                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
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            "id":"AU",
            "displayName":"AU - Australia",
            "imageName":"au.png",
            "tabs":[
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                    "displayName":"For individuals",
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                            "displayName":"Identity check",
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                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "individualDetails.personalData.documentData.number",
                                "individualDetails.personalData.documentData.type (1)",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "branchCode",
                                "countryCode",
                                "currencyCode",
                                "accountNumber (**)"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "branchCode",
                                "countryCode",
                                "currencyCode",
                                "accountNumber (**)"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
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                                "businessDetails.registrationNumber (*)",
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                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.documentData.type (*)",
                                "personalData.documentData.number",
                                "personalData.dateOfBirth",
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                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
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                    ]
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        },
        {
            "id":"BE",
            "displayName":"BE - Belgium",
            "imageName":"be.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
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                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
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                },
                {
                    "displayName":"For businesses",
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                            "displayName":"Bank account check",
                            "fields":[
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                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
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                        },
                        {
                            "displayName":"Company check",
                            "fields":[
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                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
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                                "name.gender (can be \"UNKNOWN\")",
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        },
        {
            "id":"CA",
            "displayName":"CA - Canada",
            "imageName":"ca.png",
            "tabs":[
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                            "displayName":"Identity check",
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                            ]
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                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
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                                "branchCode",
                                "countryCode",
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                                "accountNumber (**)"
                            ]
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                    ]
                },
                {
                    "displayName":"For businesses",
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                            "displayName":"Bank account check",
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                        },
                        {
                            "displayName":"Identity check",
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                            "displayName":"Bank account check",
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                                "iban",
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                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
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                                "address.country",
                                "address.city",
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                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
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        },
        {
            "id":"CZ",
            "displayName":"CZ - Czech Republic",
            "imageName":"cz.png",
            "tabs":[
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                        {
                            "displayName":"Identity check",
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                                "",
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                            ]
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                            "displayName":"Bank account check",
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                                "address.city",
                                "address.postalCode",
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                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
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                    ]
                }
            ]
        },
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            "id":"DE",
            "displayName":"DE - Germany",
            "imageName":"de.png",
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                    "displayName":"For individuals",
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                            "displayName":"Identity check",
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                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban (**)",
                                "branchCode (**)",
                                "countryCode",
                                "currencyCode",
                                "accountNumber (**)"
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                },
                {
                    "displayName":"For businesses",
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                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
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                                "iban (**)",
                                "branchCode (**)",
                                "countryCode",
                                "currencyCode",
                                "accountNumber (**)"
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                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id": "EE",
            "displayName": "EE - Estonia",
            "imageName": "ee.png",
            "tabs": [
                {
                    "displayName": "For individuals",
                    "sections": [
                        {
                            "displayName": "Identity check",
                            "fields": [
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        }
                    ]
                },
                {
                    "displayName": "For businesses",
                    "sections": [
                        {
                            "displayName": "Identity check",
                            "comment": "For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields": [
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"ES",
            "displayName":"ES - Spain",
            "imageName":"es.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"FI",
            "displayName":"FI - Finland",
            "imageName":"fi.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"FR",
            "displayName":"FR - France",
            "imageName":"fr.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"GB",
            "displayName":"GB - United Kingdom",
            "imageName":"gb.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerCity",
                                "ownerPostalCode",
                                "ownerHouseNumberOrName",
                                "ownerName",
                                "",
                                "branchCode (**)",
                                "iban (**)",
                                "countryCode",
                                "currencyCode",
                                "accountNumber (**)"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerCity",
                                "ownerPostalCode",
                                "ownerHouseNumberOrName",
                                "ownerName",
                                "",
                                "branchCode (**)",
                                "iban (**)",
                                "countryCode",
                                "currencyCode",
                                "accountNumber (**)"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"GR",
            "displayName":"GR - Greece",
            "imageName":"gr.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.personalData.documentData.number",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"IE",
            "displayName":"IE - Ireland",
            "imageName":"ie.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"IT",
            "displayName":"IT - Italy",
            "imageName":"it.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.stateOrProvince",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.personalData.documentData.number",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.stateOrProvince",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "personalData.documentData.number",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"LT",
            "displayName":"LT - Lithuania",
            "imageName":"lt.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"LU",
            "displayName":"LU - Luxembourg",
            "imageName":"lu.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id": "LV",
            "displayName": "LV - Latvia",
            "imageName": "lv.png",
            "tabs": [
                {
                    "displayName": "For individuals",
                    "sections": [
                        {
                            "displayName": "Identity check",
                            "fields": [
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        }
                    ]
                },
                {
                    "displayName": "For businesses",
                    "sections": [
                        {
                            "displayName": "Identity check",
                            "comment": "For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields": [
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"NL",
            "displayName":"NL - Netherlands",
            "imageName":"nl.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"PL",
            "displayName":"PL - Poland",
            "imageName":"pl.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id":"PT",
            "displayName":"PT - Portugal",
            "imageName":"pt.png",
            "tabs":[
                {
                    "displayName":"For individuals",
                    "sections":[
                        {
                            "displayName":"Identity check",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        },
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        }
                    ]
                },
                {
                    "displayName":"For businesses",
                    "sections":[
                        {
                            "displayName":"Bank account check",
                            "fields":[
                                "ownerName",
                                "",
                                "iban",
                                "countryCode",
                                "currencyCode"
                            ]
                        },
                        {
                            "displayName":"Company check",
                            "fields":[
                                "email",
                                "fullPhoneNumber",
                                "",
                                "businessDetails.registrationNumber (*)",
                                "businessDetails.legalBusinessName",
                                "",
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName"
                            ]
                        },
                        {
                            "displayName":"Identity check",
                            "comment":"For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields":[
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id": "SI",
            "displayName": "SI - Slovenia",
            "imageName": "si.png",
            "tabs": [
                {
                    "displayName": "For individuals",
                    "sections": [
                        {
                            "displayName": "Identity check",
                            "fields": [
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        }
                    ]
                },
                {
                    "displayName": "For businesses",
                    "sections": [
                        {
                            "displayName": "Identity check",
                            "comment": "For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields": [
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        },
        {
            "id": "SK",
            "displayName": "SK - Slovakia",
            "imageName": "sk.png",
            "tabs": [
                {
                    "displayName": "For individuals",
                    "sections": [
                        {
                            "displayName": "Identity check",
                            "fields": [
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "individualDetails.personalData.dateOfBirth",
                                "individualDetails.name.gender (can be \"UNKNOWN\")",
                                "individualDetails.name.lastName",
                                "individualDetails.name.firstName",
                                "",
                                "fullPhoneNumber",
                                "email"
                            ]
                        }
                    ]
                },
                {
                    "displayName": "For businesses",
                    "sections": [
                        {
                            "displayName": "Identity check",
                            "comment": "For each shareholder or ultimate beneficial owner (UBO) with >25% ownership and each senior employee, the information below needs to be provided in the ShareholderContact object to get the DATA_PROVIDED status.",
                            "fields": [
                                "address.country",
                                "address.city",
                                "address.postalCode",
                                "address.street",
                                "address.houseNumberOrName",
                                "",
                                "personalData.dateOfBirth",
                                "name.gender (can be \"UNKNOWN\")",
                                "name.lastName",
                                "name.firstName"
                            ]
                        }
                    ]
                }
            ]
        }
    ]
}
    

( * ) For more information on what you need to provide, see Providing a business registration number.

( ** ) Either iban or the combination of bankCodebranchCodeaccountNumber is required.

(1) Type is limited to PASSPORT, VISA, DRIVINGLICENSE

After you provide this information to Adyen, we will perform initial verification and payouts will be enabled. You can confirm the enabled payouts in accountHolderStatus.payoutState.allowPayout as having the value of true.

Each completed check will have its status updated to DATA_PROVIDED and a corresponding ACCOUNT_HOLDER_VERIFICATION notification will be sent.

Missing the 30 day timeline

If you are unable to collect the information required by the verification checks within 30 days of the first transaction, the account holder's status will be updated to inactive and payouts will be temporarily disabled.

Missing the 30 day deadline will trigger the 6 week deadline.

Step 3: In-depth verification

Adyen may perform additional verification, based on a variety of risk elements, using the already collected information of your account holder.

If your account holder is based in the EU, they may need to provide Photo ID verification to enable payouts.

If the previously collected information passes our in-depth verification, there will be no interruption to your account holder's ability to process payments and pay out. The verification checks statuses will be updated to PASSED and a corresponding ACCOUNT_HOLDER_VERIFICATION notification will be sent.

If the account holder does not pass the in-depth verification, payouts will be temporarily disabled.

For each verification check that did not pass, you have 30 days to collect the required information again. After you provide the information and the verification checks pass, we will re-enable payouts and update the verification check status to PASSED.

We will send an accompanying ACCOUNT_HOLDER_VERIFICATION notification for each failed verification check with the verificationStatus of INVALID_DATA.

Missing the 30 day deadline will trigger the 6 week deadline.

Step 4: Photo ID verification

In the EU, we may require photo identification (such as passport) of your account holders.

In all countries, if the account holder's Identity check can not be validated, Photo ID verification is used as the ultimate verification.

If photo identification is needed, payouts will be disabled, and the Photo ID verification will show a status of AWAITING_DATA. You have 30 days after the status change to collect photo identification from your account holder.

We will send an accompanying ACCOUNT_HOLDER_VERIFICATION notification for the Photo ID check.

For individuals, you must collect the account holder's passport or government issued ID. Your account holder can also use their driver's license.

To provide a Photo ID, use the /uploadDocument call. You need to specify the accountHolderCode of the account holder and provide the appropriate documentType: the type is determined by the type of document you collected from you account holder. In this example, we use a PASSPORT.

The photo must be a .jpeg, .jpg, .pdf, or .png file, encoded as a Base64 string, and passed as the documentContent parameter.

Request (POST /uploadDocument):
{
   "documentContent":"dGVzdCBkb2N1bWVudCBjb250ZW50...VcdCB=",
   "documentDetail":{
      "accountHolderCode":"YOUR_ACCOUNT_HOLDER_CODE",
      "documentType":"PASSPORT",
      "filename": "passport.png"
   }
}
Response:
{
    "invalidFields": [],
    "pspReference": "8515658815512840",
    "accountHolderCode": "YOUR_ACCOUNT_HOLDER_CODE",
    ...
    "verification": {}
}

Photo IDs are validated asynchronously and on average, will take about 30 seconds to validate. Wait for the ACCOUNT_HOLDER_VERIFICATION notification to confirm the validation status. When the photo ID is validated, the photo ID check will be updated to a status of PASSED.

If we are unable to validate, the account holder will go into manual review.

Missing the 30 day deadline will disable processing and trigger the 6 week deadline.

See also