This page is in development and additional countries/regions will be added in the future.
This page provides an overview of general best practices for onboarding your users. We also list some more detailed guidance for selected countries/regions. For example, information about types of local documents and how to troubleshoot common verification issues.
For more detailed information about document formats, see requirements for document uploads.
Suggested best practices for onboarding
As required by payment industry regulations, Adyen must verify the users in your platform before you can process payments, pay out their funds, and offer financial products to them. These verification checks are also called Know Your Customer (KYC) checks. During this process, Adyen verifies that your users provide accurate information about their businesses. If the submitted information is incomplete or incorrect, this can affect the onboarding process and result in delays due to requests for supporting documentation. Please ensure the information submitted during onboarding is correct.
Identity verification
Adyen tries to verify the identity of the user using their personal details. In case automatic verification fails, Adyen may request a photo ID to complete the verification process.
If a user’s ID document includes a married name, they may enter either one or both of their last names during onboarding. However, note that the word that references to the married name, for example Epouse or Geb, should not be included in the input data.
If a user onboards with a married name that is not yet reflected on their photo ID, they may provide a marriage certificate as a supporting document through the Legal Entity Management API. However, note that the marriage certificate can only be accepted if it was issued after their ID document.
Users may only submit shortened names or initials if they appear on their Identity document.
Residency verification
Adyen tries to use the submitted information to automatically verify your user's address. In case automatic verification fails, Adyen may request a proof of residential address. For example, if the user provides an identity document from France during onboarding, but currently lives in Portugal.
Organization and sole proprietorship verification
Adyen tries to use the legal name and registration number of the organization to automatically verify your user. In case automatic verification fails, Adyen may request a registration document.
The legal name of the organization must be entered exactly as it appears on the registration document or online registry. For example, the trading name cannot be submitted as the legal name.
Adyen tries to use both the submitted legal name and registration number of the sole proprietorship to automatically verify the sole proprietor's details. In case automatic verification fails, Adyen may request a constitutional document.
For further information regarding company types, please refer to this page.
Bank verification
If the automatic verification of a bank account fails, Adyen may ask for a bank document to verify your user’s payout details.
Organizations can sign up with a bank account under their trading name, but both the correct trading name and legal name must be submitted by the user.
Sole proprietorships can sign up with either the individual bank account of the sole proprietorship owner or a bank account under their trading name. If the bank account is under their trading name, it cannot include a legal form indicating company ownership. The correct trading name must be submitted by the user when onboarding.