{"title":"Onboard and verify users","category":"default","creationDate":1685459280,"content":"<p>Your users' legal entity type and operating country determine the <a href=\"\/pt\/business-accounts\/verification-requirements\">required verification information<\/a> 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 <a href=\"\/pt\/business-accounts\/verification-overview\">verification process<\/a> starts automatically.<\/p>\n<h2>Requirements<\/h2>\n<p>If you have an <a href=\"\/pt\/adyen-for-platforms-model\/\">Adyen for Platforms<\/a> integration, there are no additional requirements, limitations, or preparations.<\/p>\n<h2>API-only onboarding<\/h2>\n <p>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  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/legalentity\/latest\/overview\" class=\" external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Legal Entity Management API<\/a> and the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/balanceplatform\/latest\/overview\" class=\" external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Configuration API<\/a>. You can onboard users operating in any of the <a href=\"\/pt\/business-accounts#supported-countriesregions\">countries and regions where business accounts are supported<\/a>.<\/p>\n<h3>Onboarding v4 requirements<\/h3>\n<p>The following requirements apply if you want to offer business accounts to your users.<\/p>\n<h4>Source of funds<\/h4>\n<div class=\"notices green\">\n<p>Only applicable for <a href=\"\/pt\/business-accounts\/\">business accounts<\/a> and <a href=\"\/pt\/issuing\">card issuing<\/a>.<\/p>\n<\/div>\n<p>Adyen is required to verify the source of funds (SOF) used to fund an account. This requirement is applicable for both <a href=\"\/pt\/issuing\">card issuing<\/a> and <a href=\"\/pt\/business-accounts\/\">business accounts<\/a>.<\/p>\n<p>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.<\/p>\n<p>To submit this information to Adyen, make a POST  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/legalentity\/4\/post\/businessLines\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/businessLines<\/a> request, specifying the <code>service<\/code> as either:<\/p>\n<ul>\n<li><strong>banking<\/strong> for business accounts<\/li>\n<li><strong>issuing<\/strong> for card issuing<\/li>\n<\/ul>\n<p>If the source of funds was processed through Adyen, set the <code>sourceOfFunds.adyenProcessedFunds<\/code> to <strong>true<\/strong>. If the source of funds was not processed through Adyen, set the <code>sourceOfFunds.adyenProcessedFunds<\/code> to <strong>false<\/strong>. You must then include the <code>sourceOfFunds.type<\/code> and <code>sourceOfFunds.description<\/code>. The description must state the origin of the source of funds.<\/p>\n<p>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.<\/p>\n<div class=\"sticky-table-container\">\n    \n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Type of Source of Funds<\/th>\n<th style=\"text-align: left;\"><code>businessLines.sourceOfFunds.type<\/code> API value<\/th>\n<th style=\"text-align: left;\">Documents must show<\/th>\n<th style=\"text-align: left;\">Examples of accepted documents<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\">Business earnings processed through Adyen<\/td>\n<td style=\"text-align: left;\">Set <code>businessLines.adyenProcessedFunds<\/code> to <strong>true<\/strong><\/td>\n<td style=\"text-align: left;\">N\/A<\/td>\n<td style=\"text-align: left;\">No supporting document is required<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Previous business earnings<\/td>\n<td style=\"text-align: left;\"><strong>business<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Name of company<\/li><li markdown=\"1\">Amounts earned<\/li><li markdown=\"1\">Description of business activity<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Latest accounts (issued within the last financial year)<\/li><li markdown=\"1\">Annual Statements (within 12 months)<\/li><li markdown=\"1\">Latest tax filing (issued within the last year)<\/li><li markdown=\"1\">Letter from accountant (signed and dated within 12 months)<\/li><li markdown=\"1\">Recent Invoices (last 3 months)<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">(Previous) employment<\/td>\n<td style=\"text-align: left;\"><strong>employment<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Your business name<\/li><li markdown=\"1\">Date document was issued<\/li><li markdown=\"1\">Bank logo\/name (for bank statement)<\/li><li markdown=\"1\">Employer\u2019s name (for payslips)<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Last 3 months of bank statements<\/li><li markdown=\"1\">Last 3 months of payslips<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Cryptocurrency<\/td>\n<td style=\"text-align: left;\"><strong>cryptocurrencyIncome<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Your business name<\/li><li markdown=\"1\">Date document was issued (no older than 12 months)<\/li><li markdown=\"1\">Name of Crypto-exchange<\/li><li markdown=\"1\">Name of coin<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Proof of ownership of wallet<\/li><li markdown=\"1\">Statement of transaction history (showing crypto)<\/li><li markdown=\"1\">Latest tax report (showing crypto) (no older than 12 months)<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Investments (dividends)<\/td>\n<td style=\"text-align: left;\"><strong>dividendIncome<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Your business name<\/li><li markdown=\"1\">The date your business received the money<\/li><li markdown=\"1\">The amount received<\/li><li markdown=\"1\">The type of investments<\/li><li markdown=\"1\">Names of the parties involved<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Contract specifying dividends<\/li><li markdown=\"1\">Latest tax returns of the company (no older than 12 months)<\/li><li markdown=\"1\">Investment certificate<\/li><li markdown=\"1\">Broker statement (issued within 3 months)<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Loans<\/td>\n<td style=\"text-align: left;\"><strong>loans<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Your business name<\/li><li markdown=\"1\">Amount you borrowed<\/li><li markdown=\"1\">The date you received the money<\/li><li markdown=\"1\">Name of the lender<\/li><li markdown=\"1\">Address of the lender<\/li><li markdown=\"1\">Purpose of the loan<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Loan agreement<\/li><li markdown=\"1\">Loan statement (no older than 12 months)<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Subsidies \/ Grants<\/td>\n<td style=\"text-align: left;\"><strong>financialAid<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Amount of Subsidy \/ Grant<\/li><li markdown=\"1\">Providers(s) of Subsidy \/ Grant<\/li><li markdown=\"1\">Time Period<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Confirmation of Subsidy \/ Grant<\/li><li markdown=\"1\">Subsidy Receipt<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Third Party Funding (capital investments)<\/td>\n<td style=\"text-align: left;\"><strong>thirdPartyFunding<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Your business name<\/li><li markdown=\"1\">The date your business received the money<\/li><li markdown=\"1\">The amount received<\/li><li markdown=\"1\">Names of the parties involved<\/li><li markdown=\"1\">Addresses of the parties involved<\/li><li markdown=\"1\">Signatures of the parties involved<\/li><li markdown=\"1\">Payment purpose<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Investor contracts<\/li><li markdown=\"1\">Investor memoranda<\/li><li markdown=\"1\">Notarized statements (no older than 12 months)<\/li><li markdown=\"1\">Partnership agreement<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Property Sale<\/td>\n<td style=\"text-align: left;\"><strong>assetSale<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Date money was received<\/li><li markdown=\"1\">Amount you received<\/li><li markdown=\"1\">Address (if applicable)<\/li><li markdown=\"1\">Description of property<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Proof of ownership (notarized)<\/li><li markdown=\"1\">Signed letter from the solicitor \/ estate agent (no older than 12 months)<\/li><li markdown=\"1\">Copy of contract of sale<\/li><li markdown=\"1\">Tax declaration (no older than 12 months)<\/li><li markdown=\"1\">Title deed (notarized)<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Rental Income<\/td>\n<td style=\"text-align: left;\"><strong>rentalIncome<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Amount received<\/li><li markdown=\"1\">Address<\/li><li markdown=\"1\">Name of parties to the agreement<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Rental Agreement<\/li><li markdown=\"1\">Proof of Ownership<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Donations \/ Gifts<\/td>\n<td style=\"text-align: left;\"><strong>donations<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Amount received<\/li><li markdown=\"1\">Date of transfer<\/li><li markdown=\"1\">Full name of donor<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Original or certified copy of grant<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Royalty Income<\/td>\n<td style=\"text-align: left;\"><strong>royaltyIncome<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Description of (intellectual) property<\/li><li markdown=\"1\">Amount received<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Royalty agreement<\/li><li markdown=\"1\">Tax declaration (no older than 12 months)<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Gambling \/ Lottery<\/td>\n<td style=\"text-align: left;\"><strong>gamblingWinnings<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Amount won<\/li><li markdown=\"1\">Date of winning<\/li><li markdown=\"1\">Location \/ Site<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Proof of Winnings<\/li><li markdown=\"1\">Win Report<\/li><li markdown=\"1\">Win\/Loss Statement (issued within 3 months)<\/li><li markdown=\"1\">Tax declaration that shows winnings (issued within 12 months)<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Inheritance<\/td>\n<td style=\"text-align: left;\"><strong>inheritance<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Name of person who made the will<\/li><li markdown=\"1\">Amount received \/ Value of estate<\/li><li markdown=\"1\">Date received<\/li><li markdown=\"1\">Name of benefactor<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Certificate of inheritance<\/li><li markdown=\"1\">A grant of probate<\/li><li markdown=\"1\">Letter from solicitor \/ notary (no older than 12 months)<\/li><li markdown=\"1\">Signed copy of the will<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Pension<\/td>\n<td style=\"text-align: left;\"><strong>pensionIncome<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Amount to be received<\/li><li markdown=\"1\">Legal Name of recipient<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Pension slip (no older than 12 months)<\/li><li markdown=\"1\">Letter from previous employer<\/li><li markdown=\"1\">Pension statement form (no older than 12 months)<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Insurance \/ Settlement<\/td>\n<td style=\"text-align: left;\"><strong>insuranceSettlement<\/strong><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Amount of settlement<\/li><li markdown=\"1\">Legal name of recipient<\/li><li markdown=\"1\">Date received<\/li><\/ul><\/td>\n<td style=\"text-align: left;\"><ul><li markdown=\"1\">Court order<\/li><li markdown=\"1\">Letter from lawyer \/ solicitor<\/li><li markdown=\"1\">Letter from insurer<\/li><\/ul><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div>\n\n<h4>Requirements for specific countries\/regions<\/h4>\n<p>In the European Union, organizations must provide either their annual turnover or their annual balance sheet. In your POST  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/legalentity\/4\/post\/legalEntities\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/legalEntities<\/a> request, specify <code>organization.financialReports.annualTurnover<\/code> or <code>organization.financialReports.balanceSheetTotal<\/code>.<\/p>\n<p>In the United Kingdom, organizations must provide their number of employees, and either their annual turnover or annual balance sheet. In your POST  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/legalentity\/4\/post\/legalEntities\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/legalEntities<\/a> request, specify <code>organization.financialReports.employeeCount<\/code> and either  <code>organization.financialReports.annualTurnover<\/code> or <code>organization.financialReports.balanceSheetTotal<\/code>.<\/p>\n<h2>Onboarding steps<\/h2>\n<p>After you complete all the steps in the integration checklist for your platform or marketplace integration, you must provide <a href=\"\/pt\/business-accounts\/verification-requirements\">additional verification information<\/a> so that your users can use business accounts.<\/p>\n<p>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 <a href=\"\/pt\/platforms\/onboard-users\/onboarding-steps\">platform<\/a> or <a href=\"\/pt\/marketplaces\/onboard-users\/onboarding-steps\">marketplace<\/a> integration. In addition, you can use API-only onboarding to provide us with the additional information required for business accounts.<\/p>\n<p>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.<\/p>","url":"https:\/\/docs.adyen.com\/pt\/business-accounts\/onboard-users","articleFields":{"description":"Learn to move your users through the onboarding and verification process.","feedback_component":true,"filters_component":false,"last_edit_on":"04-03-2024 17:27","section_label":"Onboard and verify users","decision_tree":"[]","page_id":"08ee3a6c-55f5-4b03-98cd-a4020adbf285","next_steps":[{"title":"Verification process","description":"Learn how Adyen verifies the users in your balance platform.","url":"\/business-accounts\/verification-overview","required":false},{"title":"Determine verification requirements","description":"Learn what verification information you must collect from your users before offering them business accounts.","url":"\/business-accounts\/verification-requirements","required":false}],"parameters":{"directoryPath":"\/business-accounts","model":"balance platform"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/business-accounts\/onboard-users","title":"Onboard and verify users","content":"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.\nRequirements\nIf you have an Adyen for Platforms integration, there are no additional requirements, limitations, or preparations.\nAPI-only onboarding\n 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.\nOnboarding v4 requirements\nThe following requirements apply if you want to offer business accounts to your users.\nSource of funds\n\nOnly applicable for business accounts and card issuing.\n\nAdyen 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.\nDepending 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.\nTo submit this information to Adyen, make a POST  \/businessLines request, specifying the service as either:\n\nbanking for business accounts\nissuing for card issuing\n\nIf 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.\nThe 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.\n\n    \n\n\n\nType of Source of Funds\nbusinessLines.sourceOfFunds.type API value\nDocuments must show\nExamples of accepted documents\n\n\n\n\nBusiness earnings processed through Adyen\nSet businessLines.adyenProcessedFunds to true\nN\/A\nNo supporting document is required\n\n\nPrevious business earnings\nbusiness\nName of companyAmounts earnedDescription of business activity\nLatest 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)\n\n\n(Previous) employment\nemployment\nYour business nameDate document was issuedBank logo\/name (for bank statement)Employer\u2019s name (for payslips)\nLast 3 months of bank statementsLast 3 months of payslips\n\n\nCryptocurrency\ncryptocurrencyIncome\nYour business nameDate document was issued (no older than 12 months)Name of Crypto-exchangeName of coin\nProof of ownership of walletStatement of transaction history (showing crypto)Latest tax report (showing crypto) (no older than 12 months)\n\n\nInvestments (dividends)\ndividendIncome\nYour business nameThe date your business received the moneyThe amount receivedThe type of investmentsNames of the parties involved\nContract specifying dividendsLatest tax returns of the company (no older than 12 months)Investment certificateBroker statement (issued within 3 months)\n\n\nLoans\nloans\nYour business nameAmount you borrowedThe date you received the moneyName of the lenderAddress of the lenderPurpose of the loan\nLoan agreementLoan statement (no older than 12 months)\n\n\nSubsidies \/ Grants\nfinancialAid\nAmount of Subsidy \/ GrantProviders(s) of Subsidy \/ GrantTime Period\nConfirmation of Subsidy \/ GrantSubsidy Receipt\n\n\nThird Party Funding (capital investments)\nthirdPartyFunding\nYour business nameThe date your business received the moneyThe amount receivedNames of the parties involvedAddresses of the parties involvedSignatures of the parties involvedPayment purpose\nInvestor contractsInvestor memorandaNotarized statements (no older than 12 months)Partnership agreement\n\n\nProperty Sale\nassetSale\nDate money was receivedAmount you receivedAddress (if applicable)Description of property\nProof of ownership (notarized)Signed letter from the solicitor \/ estate agent (no older than 12 months)Copy of contract of saleTax declaration (no older than 12 months)Title deed (notarized)\n\n\nRental Income\nrentalIncome\nAmount receivedAddressName of parties to the agreement\nRental AgreementProof of Ownership\n\n\nDonations \/ Gifts\ndonations\nAmount receivedDate of transferFull name of donor\nOriginal or certified copy of grant\n\n\nRoyalty Income\nroyaltyIncome\nDescription of (intellectual) propertyAmount received\nRoyalty agreementTax declaration (no older than 12 months)\n\n\nGambling \/ Lottery\ngamblingWinnings\nAmount wonDate of winningLocation \/ Site\nProof of WinningsWin ReportWin\/Loss Statement (issued within 3 months)Tax declaration that shows winnings (issued within 12 months)\n\n\nInheritance\ninheritance\nName of person who made the willAmount received \/ Value of estateDate receivedName of benefactor\nCertificate of inheritanceA grant of probateLetter from solicitor \/ notary (no older than 12 months)Signed copy of the will\n\n\nPension\npensionIncome\nAmount to be receivedLegal Name of recipient\nPension slip (no older than 12 months)Letter from previous employerPension statement form (no older than 12 months)\n\n\nInsurance \/ Settlement\ninsuranceSettlement\nAmount of settlementLegal name of recipientDate received\nCourt orderLetter from lawyer \/ solicitorLetter from insurer\n\n\n\n\n\n\nRequirements for specific countries\/regions\nIn 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.\nIn 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.\nOnboarding steps\nAfter 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.\nIf 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.\nIf 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.","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Business accounts","lvl2":"Onboard and verify users"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/business-accounts","lvl2":"\/pt\/business-accounts\/onboard-users"},"levels":3,"category":"","category_color":"","tags":["Onboard","verify","users"]}}
