Determine the verification requirements

Learn what verification information you must collect from your users

To start the verification process, you must collect and submit the required verification information from your user. These requirements depend on:

The country/region your users are operating in
The legal entity of your user
The financial products you are offering to your user

This page helps you determine what verification requirements apply to your users based on these factors.

Requirements

If you have an Adyen for Platforms or Adyen Issuing integration, there are no additional requirements, limitations, or preparations.

Country/region of operation

Verification requirements vary based on the regulations in the country/region where your user is operating in. For example, in Belgium, a sole proprietorship is required to have a registration number, while this is not required in the United Kingdom.

See minimum required information for more details on the requirements for specific countries/regions and legal entities.

Minimum age requirements for users

It is only possible to onboard minor users if you are using v3 or v4 of the Legal Entity Management API. Reach out to your Adyen contact for more information.

Note that users under the age of 13 can never be onboarded. For users between the ages of 13 and 18, the following requirements apply based on their country of residency.

Country/region of residency for user	Age range	Onboarding requirements
European Union (including Norway, Switzerland, and the United Kingdom)	16-18 years old	Can be onboarded with a legal representative. The legal representative must also be onboarded as an authorised signatory.
Australia, Canada, United States	13-18 years old	Can be onboarded with a legal representative. The legal representative must also be onboarded as an authorised signatory.
Hong Kong and Singapore	< 18 years old	Cannot be onboarded.

Adyen requires the following information about the legal representative:

First and last name
Date of birth
Full address for their location of residency
Social Security Number (SSN), National ID number, or Identity number
Their relationship to the user: parent or guardian
A statement from the representative that they consent to the user's agreement to abide by Adyen's Terms of Service
If Adyen cannot verify the legal representative's information based on the details provided, we may ask for a copy of their ID. This can then be uploaded through the Hosted Onboarding page or the Legal Entity Management API.

Legal entity type

Verification requirements vary based on your user's legal entity type. A legal entity can be a person or an entity that represents your user's business, such as a public company or a nonprofit organization.

The user that holds a contractual relationship with your platform is the main legal entity. You must collect information about the main legal entity, and about other entities that are associated with this user. For example, if your user is a private company, you must also collect information about the owners of the company. You must create individual legal entities for each owner and link them to the company, which is the main legal entity that is conducting business with your platform.

Country/Region	Individual	Organization	Sole Proprietorship	Trust	Unincorporated Partnership
Australia
Austria
Belgium
Brazil
Canada
Croatia
Czech Republic
Denmark
Estonia
Finland
France
Germany
Hong Kong
Hungary
Ireland
Italy
Latvia
Lithuania
Luxembourg
Netherlands
New Zealand
Norway
Poland
Portugal
Romania
Singapore
Slovakia
Slovenia
Spain
Sweden
Switzerland
United Kingdom
United States

The following tabs show the legal entity types and describe the general requirements for the data that you need to collect from them.

Additional requirements for financial products

Verification requirements vary based on the additional financial products that you offer to your users. Processing payments and payouts are included by default. In some cases, additional financial products, such as business accounts, require more verification checks.

Each financial product includes specific capabilities that are available for your users. Different financial products might have overlapping capabilities. For some financial products, such as card issuing, capabilities might also have different levels.

The following tabs show the financial products and the general requirements for the data that you need to collect from them.

Additional requirements for users in the US

For your users in the US, you must include the following requirements in your onboarding flow. Adyen will check your onboarding flow to ensure that it meets the guidelines.

Financial product

Requirement

All financial products

Patriot Act / Customer Identification Program (CIP) disclosure: The US federal law requires financial institutions to obtain, verify, and record identification information before account opening. When building custom onboarding flows, you are required to present this disclosure before collecting personal data.

Timing
- Where hosted onboarding is not used, the CIP Disclosure must be presented before any personal information is collected. If presented in the same location, it must appear first, followed by the data collection fields.
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- Important information you need to know about opening an account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or entity) who opens an account and certain individuals who are associated with an account.
  What this means: When you open an account, we will ask for your name, address, taxpayer identification number and other information that will allow us to identify you.

Business accounts

Adyen Business Account Terms of Service: Every account holder must accept Adyen's Terms of Service before the business account can be opened. A copy of the Terms of Service needs to be provided alongside the acceptance.

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- I have read and I accept these terms and confirm that I am a legal representative authorized to accept these terms on behalf of the company. I have taken notice of the privacy statement (www.adyen.com/privacy-policy) and I consent to my (personal) data being used for the purposes described therein.

Regulation GG - Unlawful Internet Gambling Enforcement Act - Certification: Every account holder must be certified under the Regulation GG - Unlawful Internet Gambling Enforcement Act before the business account can be opened. A copy of Adyen's Terms of Service needs to be provided alongside the acceptance.

Timing
- This certification must be performed when the Adyen Terms of Service are accepted.
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- Is the legal entity opening the business account engaged in internet gambling? [Yes/No]

Next steps

required

Onboard users

Learn to move your users through the verification process