{"title":"Upload a bank document in Hosted Onboarding","category":"default","creationDate":1780948144,"content":"<p><span style=\"color: #0ABF53;\"><span style=\"font-size: 20px;\"><strong>Limited availability<\/strong><\/span><\/span><br \/>\nAutomated document checks are currently available in Australia, France, the United Kingdom, and the United States. Some of the processes and documentation may change as the feature evolves.<\/p>\n<hr \/>\n<p>Adyen attempts to verify your bank account automatically. If automatic verification is not possible, Adyen asks you to upload a bank document. When you upload the document, Adyen's automated system checks it immediately. You receive feedback in seconds, so you can fix issues right away and avoid delays in the verification process.<\/p>\n<h2>Before you upload<\/h2>\n<p>Make sure your document meets the <a href=\"\/platforms\/verification-requirements\/document-requirements#bank-statement-requirements\">requirements for bank documents<\/a>.<\/p>\n<p>In summary, your document must show:<\/p>\n<ul>\n<li>The account holder name, which must match the legal entity name on record.<\/li>\n<li>The account number or IBAN.<\/li>\n<li>The date of issuance, which must be within the last 12 months. Exceptions apply for RIBs, checks, and some online banking screenshots.<\/li>\n<li>An indicator that the document was issued by a bank, such as the bank logo, the bank name in its bank-specific font, or a BIC\/SWIFT code.<\/li>\n<\/ul>\n<p>The accepted file formats are PDF (preferred), JPEG, JPG, or PNG. Upload one file at a time.<\/p>\n<p>The maximum file size is 4 MB.<\/p>\n<h2>Accepted document types<\/h2>\n<p>Adyen accepts the following bank documents:<\/p>\n<ul>\n<li>Bank statement<\/li>\n<li>Bank agreement<\/li>\n<li>Deposit slip or deposit form<\/li>\n<li>Screenshot of your online banking environment<\/li>\n<li>Official letter from your bank<\/li>\n<li>Check<\/li>\n<li>Relev\u00e9 d'Identit\u00e9 Bancaire (RIB) \u2014 France<\/li>\n<li>TAMIEYTHPIO \u2014 Greece<\/li>\n<li>Bank passbook \u2014 Singapore<\/li>\n<\/ul>\n<p>For checks and deposit forms, additional requirements apply, such as stamps, signatures, or visible security features. See <a href=\"\/platforms\/verification-requirements\/document-requirements#bank-statement-requirements\">requirements for bank documents<\/a> for the full list.<\/p>\n<h2>How to upload<\/h2>\n<p>In Hosted Onboarding, if asked to upload a bank document:<\/p>\n<ol>\n<li>Go to the bank account step, if not already there.<\/li>\n<li>Drag and drop your document onto the upload area, or select a file from your device.<\/li>\n<li>Adyen's automated system checks your document. This takes a few seconds.<\/li>\n<li>You receive immediate feedback on whether Adyen accepted the document or if you should consider replacing it. <\/li>\n<\/ol>\n<h2>What happens after you upload<\/h2>\n<p>When you upload, Adyen's automated system checks your document. The check takes a few seconds. You then see one of the following results:<\/p>\n<h3>Review and submit (document accepted)<\/h3>\n<p>If your document passes all checks, you are asked to review your details and make sure everything looks correct before you select <strong>Continue<\/strong>.<\/p>\n<h3>Check your bank document (document error)<\/h3>\n<p>If the system detects a problem with the document, you see a warning asking you to check your bank document. You have two options:<\/p>\n<ul>\n<li><strong>Replace document<\/strong>: Upload a different bank document.<\/li>\n<li><strong>Use this document<\/strong>: If you are sure the document is correct, proceed. Adyen's review team reviews it manually.<\/li>\n<\/ul>\n<h2>Tips for mobile uploads<\/h2>\n<ul>\n<li>If your bank provides a PDF version of your document, upload that instead of a photo \u2014 PDFs are clearer and more likely to pass automated checks.<\/li>\n<li>Photograph the document in a well-lit area. Avoid glare from windows or overhead lights.<\/li>\n<li>Lay the document flat on a plain, dark surface before you take the photo.<\/li>\n<li>Do not zoom in on the document \u2014 zoom reduces image quality. Move closer to the document instead.<\/li>\n<\/ul>\n<h2>Troubleshooting common issues<\/h2>\n<div class=\"sticky-table-container\">\n    \n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Issue<\/th>\n<th style=\"text-align: left;\">What to do<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\">Blurry image<\/td>\n<td style=\"text-align: left;\">Retake the photo in good lighting. Hold the camera steady or place the document flat on a surface. If you upload a PDF, use the original file directly rather than a screenshot or converted version, as these can reduce image quality.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Document cut off<\/td>\n<td style=\"text-align: left;\">Make sure all four edges of the document are fully visible before uploading.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Wrong document type<\/td>\n<td style=\"text-align: left;\">Upload a bank document. Do not upload utility bills, credit card statements, or identity documents.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Document too old<\/td>\n<td style=\"text-align: left;\">Use a document dated within the last 12 months. Exceptions apply for some document types \u2014 see the requirements page.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">File too large<\/td>\n<td style=\"text-align: left;\">The maximum file size is 4 MB. Make sure your file size does not exceed 4 MB.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div>\n\n<h2>What Adyen does not accept<\/h2>\n<p>Adyen does not accept:<\/p>\n<ul>\n<li>Photos of bank-issued cards, such as credit or debit cards<\/li>\n<li>Documents issued by an ATM or terminal<\/li>\n<li>Documents issued by third-party accounting or bookkeeping software<\/li>\n<li>Documents with no clear indication that they were issued by a bank. Examples include the bank logo, the bank name in its bank-specific font, and a BIC\/SWIFT code.<\/li>\n<li>Documents issued more than 12 months ago (exceptions apply for some document types \u2014 see the requirements page)<\/li>\n<li>Documents where the account holder name, account number, or date of issuance is missing or not clearly visible<\/li>\n<li>Edited or digitally altered documents<\/li>\n<li>Images that are blurry, cut off, or too low quality to read<\/li>\n<\/ul>\n<h2>Frequently asked questions<\/h2>\n    <div class=\"faqs\">\n        <div class=\"adl-accordion adl-accordion--max-height-transition\" style=\"margin-bottom:24px\">\n                                                            <div class=\"adl-accordion__item\">\n                    <div tabindex=\"1\" role=\"question\" aria-expanded=\"true\" class=\"adl-accordion__header\" data-accordion=\"#do-i-need-to-select-the-document-type-before-uploading\">\n                        <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n                        <div class=\"adl-accordion__title-wrapper\">\n                            <h3 class=\"adl-accordion__title no-anchor\">\n                                Do I need to select the document type before uploading? <div class=\"faq-link-icon adl-icon adl-icon-chain\"><\/div>\n                            <\/h3>\n                                                    <\/div>\n                    <\/div>\n                    <div role=\"answer\" class=\"adl-accordion__content\">\n                        <p>No. Adyen identifies the document type automatically when you upload.<\/p>\n                    <\/div>\n                <\/div>\n                                                            <div class=\"adl-accordion__item\">\n                    <div tabindex=\"2\" role=\"question\" aria-expanded=\"true\" class=\"adl-accordion__header\" data-accordion=\"#what-if-adyen-cannot-classify-my-document\">\n                        <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n                        <div class=\"adl-accordion__title-wrapper\">\n                            <h3 class=\"adl-accordion__title no-anchor\">\n                                What if Adyen cannot classify my document? <div class=\"faq-link-icon adl-icon adl-icon-chain\"><\/div>\n                            <\/h3>\n                                                    <\/div>\n                    <\/div>\n                    <div role=\"answer\" class=\"adl-accordion__content\">\n                        <p>If the automated system cannot make a decision, Adyen's review team reviews your document manually. You do not need to take any action. Adyen contacts you if anything further is needed.<\/p>\n                    <\/div>\n                <\/div>\n                                                            <div class=\"adl-accordion__item\">\n                    <div tabindex=\"3\" role=\"question\" aria-expanded=\"true\" class=\"adl-accordion__header\" data-accordion=\"#can-i-upload-a-screenshot-of-my-online-banking-app\">\n                        <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n                        <div class=\"adl-accordion__title-wrapper\">\n                            <h3 class=\"adl-accordion__title no-anchor\">\n                                Can I upload a screenshot of my online banking app? <div class=\"faq-link-icon adl-icon adl-icon-chain\"><\/div>\n                            <\/h3>\n                                                    <\/div>\n                    <\/div>\n                    <div role=\"answer\" class=\"adl-accordion__content\">\n                        <p>Yes. Screenshots of your online banking environment are accepted. The screenshot must clearly show your account number or IBAN, your name, and the bank name or logo. Screenshots do not need to show a date of issuance.<\/p>\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n","url":"https:\/\/docs.adyen.com\/platforms\/verification-requirements\/upload-bank-document","articleFields":{"description":"Learn what to expect when you upload a bank document during onboarding, and how to fix common issues.","feedback_component":true,"process":{"markdown":true,"twig":true},"twig_first":true,"never_cache_twig":true,"parameters":{"directoryPath":"\/platforms","model":"platform"},"filters_component":false},"algolia":{"url":"https:\/\/docs.adyen.com\/platforms\/verification-requirements\/upload-bank-document","title":"Upload a bank document in Hosted Onboarding","content":"Limited availability\nAutomated document checks are currently available in Australia, France, the United Kingdom, and the United States. Some of the processes and documentation may change as the feature evolves.\n\nAdyen attempts to verify your bank account automatically. If automatic verification is not possible, Adyen asks you to upload a bank document. When you upload the document, Adyen's automated system checks it immediately. You receive feedback in seconds, so you can fix issues right away and avoid delays in the verification process.\nBefore you upload\nMake sure your document meets the requirements for bank documents.\nIn summary, your document must show:\n\nThe account holder name, which must match the legal entity name on record.\nThe account number or IBAN.\nThe date of issuance, which must be within the last 12 months. Exceptions apply for RIBs, checks, and some online banking screenshots.\nAn indicator that the document was issued by a bank, such as the bank logo, the bank name in its bank-specific font, or a BIC\/SWIFT code.\n\nThe accepted file formats are PDF (preferred), JPEG, JPG, or PNG. Upload one file at a time.\nThe maximum file size is 4 MB.\nAccepted document types\nAdyen accepts the following bank documents:\n\nBank statement\nBank agreement\nDeposit slip or deposit form\nScreenshot of your online banking environment\nOfficial letter from your bank\nCheck\nRelev\u00e9 d'Identit\u00e9 Bancaire (RIB) \u2014 France\nTAMIEYTHPIO \u2014 Greece\nBank passbook \u2014 Singapore\n\nFor checks and deposit forms, additional requirements apply, such as stamps, signatures, or visible security features. See requirements for bank documents for the full list.\nHow to upload\nIn Hosted Onboarding, if asked to upload a bank document:\n\nGo to the bank account step, if not already there.\nDrag and drop your document onto the upload area, or select a file from your device.\nAdyen's automated system checks your document. This takes a few seconds.\nYou receive immediate feedback on whether Adyen accepted the document or if you should consider replacing it. \n\nWhat happens after you upload\nWhen you upload, Adyen's automated system checks your document. The check takes a few seconds. You then see one of the following results:\nReview and submit (document accepted)\nIf your document passes all checks, you are asked to review your details and make sure everything looks correct before you select Continue.\nCheck your bank document (document error)\nIf the system detects a problem with the document, you see a warning asking you to check your bank document. You have two options:\n\nReplace document: Upload a different bank document.\nUse this document: If you are sure the document is correct, proceed. Adyen's review team reviews it manually.\n\nTips for mobile uploads\n\nIf your bank provides a PDF version of your document, upload that instead of a photo \u2014 PDFs are clearer and more likely to pass automated checks.\nPhotograph the document in a well-lit area. Avoid glare from windows or overhead lights.\nLay the document flat on a plain, dark surface before you take the photo.\nDo not zoom in on the document \u2014 zoom reduces image quality. Move closer to the document instead.\n\nTroubleshooting common issues\n\n    \n\n\n\nIssue\nWhat to do\n\n\n\n\nBlurry image\nRetake the photo in good lighting. Hold the camera steady or place the document flat on a surface. If you upload a PDF, use the original file directly rather than a screenshot or converted version, as these can reduce image quality.\n\n\nDocument cut off\nMake sure all four edges of the document are fully visible before uploading.\n\n\nWrong document type\nUpload a bank document. Do not upload utility bills, credit card statements, or identity documents.\n\n\nDocument too old\nUse a document dated within the last 12 months. Exceptions apply for some document types \u2014 see the requirements page.\n\n\nFile too large\nThe maximum file size is 4 MB. Make sure your file size does not exceed 4 MB.\n\n\n\n\n\n\nWhat Adyen does not accept\nAdyen does not accept:\n\nPhotos of bank-issued cards, such as credit or debit cards\nDocuments issued by an ATM or terminal\nDocuments issued by third-party accounting or bookkeeping software\nDocuments with no clear indication that they were issued by a bank. Examples include the bank logo, the bank name in its bank-specific font, and a BIC\/SWIFT code.\nDocuments issued more than 12 months ago (exceptions apply for some document types \u2014 see the requirements page)\nDocuments where the account holder name, account number, or date of issuance is missing or not clearly visible\nEdited or digitally altered documents\nImages that are blurry, cut off, or too low quality to read\n\nFrequently asked questions\n    \n        \n                                                            \n                    \n                        \n                        \n                            \n                                Do I need to select the document type before uploading? \n                            \n                                                    \n                    \n                    \n                        No. Adyen identifies the document type automatically when you upload.\n                    \n                \n                                                            \n                    \n                        \n                        \n                            \n                                What if Adyen cannot classify my document? \n                            \n                                                    \n                    \n                    \n                        If the automated system cannot make a decision, Adyen's review team reviews your document manually. You do not need to take any action. Adyen contacts you if anything further is needed.\n                    \n                \n                                                            \n                    \n                        \n                        \n                            \n                                Can I upload a screenshot of my online banking app? \n                            \n                                                    \n                    \n                    \n                        Yes. Screenshots of your online banking environment are accepted. The screenshot must clearly show your account number or IBAN, your name, and the bank name or logo. Screenshots do not need to show a date of issuance.\n                    \n                \n                    \n    \n","type":"page","locale":"en","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Platforms","lvl2":"Determine the verification requirements","lvl3":"Upload a bank document in Hosted Onboarding"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/platforms","lvl2":"https:\/\/docs.adyen.com\/platforms\/verification-requirements","lvl3":"\/platforms\/verification-requirements\/upload-bank-document"},"levels":4,"category":"Platforms","category_color":"green","tags":["Upload","document","Hosted","Onboarding"]}}