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Onboard and verify users

Learn to move your users through the onboarding and verification process.

Your users' legal entity type and operating country determine the required verification information you need to collect from your users. You must build your own UI to collect this information and submit it to Adyen using our APIs. After Adyen receives the information, the verification process starts automatically.

API-only onboarding

With API-only onboarding, you need to build your own UI where you collect data from your users. You then need to submit the collected data to Adyen by making requests to the Legal Entity Management API and the Configuration API. You can onboard users operating in any of the countries and regions where business accounts are supported.

Onboarding v4 requirements

The following requirements apply if you want to offer business accounts to your users.

Source of funds

Only applicable for business accounts and card issuing.

Adyen is required to verify the source of funds (SOF) used to fund an account. This requirement is applicable for both card issuing and business accounts.

Depending on the type of funds, we may request additional documents as proof. We strongly recommend that you have these documents available before starting in order to speed up this process.

To submit this information to Adyen, make a POST /businessLines request, specifying the service as either:

banking for business accounts
issuing for card issuing

If the source of funds was processed through Adyen, set the sourceOfFunds.adyenProcessedFunds to true. If the source of funds was not processed through Adyen, set the sourceOfFunds.adyenProcessedFunds to false. You must then include the sourceOfFunds.type and sourceOfFunds.description. The description must state the origin of the source of funds.

The following table shows the accepted funding sources and the required documents for each type, if requested. If the type of accepted document has a listed date requirement, the document must meet this requirement.

Type of Source of Funds	`businessLines.sourceOfFunds.type` API value	Documents must show	Examples of accepted documents
Business earnings processed through Adyen	Set `businessLines.adyenProcessedFunds` to true	N/A	No supporting document is required
Previous business earnings	business	Name of company Amounts earned Description of business activity	Latest accounts (issued within the last financial year) Annual Statements (within 12 months) Latest tax filing (issued within the last year) Letter from accountant (signed and dated within 12 months) Recent Invoices (last 3 months)
(Previous) employment	employment	Your business name Date document was issued Bank logo/name (for bank statement) Employer’s name (for payslips)	Last 3 months of bank statements Last 3 months of payslips
Cryptocurrency	cryptocurrencyIncome	Your business name Date document was issued (no older than 12 months) Name of Crypto-exchange Name of coin	Proof of ownership of wallet Statement of transaction history (showing crypto) Latest tax report (showing crypto) (no older than 12 months)
Investments (dividends)	dividendIncome	Your business name The date your business received the money The amount received The type of investments Names of the parties involved	Contract specifying dividends Latest tax returns of the company (no older than 12 months) Investment certificate Broker statement (issued within 3 months)
Loans	loans	Your business name Amount you borrowed The date you received the money Name of the lender Address of the lender Purpose of the loan	Loan agreement Loan statement (no older than 12 months)
Subsidies / Grants	financialAid	Amount of Subsidy / Grant Providers(s) of Subsidy / Grant Time Period	Confirmation of Subsidy / Grant Subsidy Receipt
Third Party Funding (capital investments)	thirdPartyFunding	Your business name The date your business received the money The amount received Names of the parties involved Addresses of the parties involved Signatures of the parties involved Payment purpose	Investor contracts Investor memoranda Notarized statements (no older than 12 months) Partnership agreement
Property Sale	assetSale	Date money was received Amount you received Address (if applicable) Description of property	Proof of ownership (notarized) Signed letter from the solicitor / estate agent (no older than 12 months) Copy of contract of sale Tax declaration (no older than 12 months) Title deed (notarized)
Rental Income	rentalIncome	Amount received Address Name of parties to the agreement	Rental Agreement Proof of Ownership
Donations / Gifts	donations	Amount received Date of transfer Full name of donor	Original or certified copy of grant
Royalty Income	royaltyIncome	Description of (intellectual) property Amount received	Royalty agreement Tax declaration (no older than 12 months)
Gambling / Lottery	gamblingWinnings	Amount won Date of winning Location / Site	Proof of Winnings Win Report Win/Loss Statement (issued within 3 months) Tax declaration that shows winnings (issued within 12 months)
Inheritance	inheritance	Name of person who made the will Amount received / Value of estate Date received Name of benefactor	Certificate of inheritance A grant of probate Letter from solicitor / notary (no older than 12 months) Signed copy of the will
Pension	pensionIncome	Amount to be received Legal Name of recipient	Pension slip (no older than 12 months) Letter from previous employer Pension statement form (no older than 12 months)
Insurance / Settlement	insuranceSettlement	Amount of settlement Legal name of recipient Date received	Court order Letter from lawyer / solicitor Letter from insurer

Requirements for specific countries/regions

In the European Union, organizations must provide either their annual turnover or their annual balance sheet. In your POST /legalEntities request, specify organization.financialReports.annualTurnover or organization.financialReports.balanceSheetTotal.

In the United Kingdom, organizations must provide their number of employees, and either their annual turnover or annual balance sheet. In your POST /legalEntities request, specify organization.financialReports.employeeCount and either organization.financialReports.annualTurnover or organization.financialReports.balanceSheetTotal.

Onboarding steps

After you complete all the steps in the integration checklist for your platform or marketplace integration, you must provide additional verification information so that your users can use business accounts.

If you are creating a new account holder for which you want to request business accounts, you must first follow the onboarding steps for your platform or marketplace integration. In addition, you can use API-only onboarding to provide us with the additional information required for business accounts.

If you already have an existing, verified account holder, and want to request business accounts for them, you only need to provide the additional information required for business accounts using API-only onboarding.

Próximas etapas

Verification process

Learn how Adyen verifies the users in your balance platform.

Determine verification requirements

Learn what verification information you must collect from your users before offering them business accounts.