{"title":"Onboard and verify users","category":"Classic Platforms","creationDate":1776961628,"content":"<div class=\"sc-notice info\"><div>\n<p>This page is for classic Adyen for Platforms integrations. If you are just starting your implementation, refer to our <a href=\"\/pt\/adyen-for-platforms-model\">new integration guide<\/a> instead.<\/p>\n<\/div><\/div>\n<p>As required by payment industry regulations, sub-merchants have to go through a verification process before you can enable payouts for them. These checks are required to help prevent fraudulent activities in your platform.<\/p>\n<p>Before you can start the verification process, you must decide on:<\/p>\n<ul>\n<li>When to collect information: all at once for upfront verification, or whenever necessary for staggered verification.<\/li>\n<li>How to collect information: Use Adyen's Hosted Onboarding Page, or build your own onboarding application.<\/li>\n<\/ul>\n<p>After we receive information from you or directly from your account holders, we automatically conduct the required verification checks.<\/p>\n<h2 id=\"upfront-verification\">Upfront verification<\/h2>\n<p>In the upfront verification approach, the information for all required verification checks is collected and verified right after an account holder is created, eliminating the need to go back to them for more data later in the process. Once the account holder is verified, payouts are allowed regardless of the volume the account holder will process later on, ensuring uninterrupted business.<\/p>\n<p>To enable upfront verification for your platform, contact our <a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a>.<\/p>\n<h2 id=\"staggered-verification\">Staggered verification<\/h2>\n<p>During a staggered verification process, you collect the required information only when needed. This approach enables a faster initial sign-up, as not all account holders have to go through the full verification process. Account holders that process small amounts, for example, individuals, will have an easy onboarding process and can get paid out quickly.<\/p>\n<p>However, for account holders that process higher amounts, their business may be interrupted when payouts are temporarily disabled. When they reach the limits of their current processing tier, additional verification checks are required and payouts are disabled. You must contact your account holder to provide the required information. After all data has been verified by Adyen, the account holder will be placed in a higher payout tier and payouts will be enabled again.<\/p>\n<h3 id=\"verification-tiers\">Verification tiers<\/h3>\n<p>In a staggered verification approach, the verification tiers determine what additional information has to be collected and verified by Adyen to enable or continue payouts for account holders. The tiers and limits are defined based on the account holder's country, legal entity, and processing volume.<\/p>\n<p>The tier system consists of two categories:<\/p>\n<ul>\n<li><strong>Processing tiers<\/strong> are determined by the amount of funds processed.<\/li>\n<li><strong>Payout tiers<\/strong> are determined by the verification checks passed.<\/li>\n<\/ul>\n<p>When an account holder processes a larger volume of funds than what their current processing tier allows, they are moved to higher tier. Reaching a higher processing tier disables payouts and automatically triggers new verification checks. If the information required by the verification checks is missing or incorrect, we send  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Notification\/latest\/post\/ACCOUNT_HOLDER_UPDATED\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">ACCOUNT_HOLDER_UPDATED<\/a> and  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Notification\/latest\/post\/ACCOUNT_HOLDER_VERIFICATION\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">ACCOUNT_HOLDER_VERIFICATION<\/a> notifications, specifying the data the account holder needs to provide. After we receive all the data and there has been no request to precheck this information, the validation runs automatically. The account holders move to a higher payout tier when the validation is successful.<\/p>\n<h3 id=\"precheck-kyc-information\">Precheck the required information<\/h3>\n<p>When onboarding your account holders with a staggered verification process, Adyen does not verify their details until they reach a certain processing tier. However, there may be situations where you want to verify your account holder's details before they meet the thresholds. For example, verify an account holder early to prevent a pending verification from temporarily disabling payouts, or verify a high-risk account holder before allowing them to pay out.<\/p>\n<p>To precheck the required information, send a POST  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Account\/latest\/post\/checkAccountHolder\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/checkAccountHolder<\/a> request and set the <code>accountStateType<\/code> to:<\/p>\n<ul>\n<li><span translate=\"no\"><strong>Payout<\/strong><\/span> if you want to verify account holder details proactively.<\/li>\n<li><span translate=\"no\"><strong>Processing<\/strong><\/span> if you want to force immediate verification.<\/li>\n<\/ul>\n\n<div id=\"tabdx5NY\">\n    <div data-component-wrapper=\"tabs\">\n        <tabs\n                        :items=\"[{&quot;title&quot;:&quot;Proactively verify account holder details&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;You can run verification checks before they are required without interrupting processing and payouts by sending a POST  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Account\\\/latest\\\/post\\\/checkAccountHolder\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;\\\/checkAccountHolder&lt;\\\/a&gt; request and providing the following information:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;&lt;code&gt;accountHolderCode&lt;\\\/code&gt; of the account holder you want to verify.&lt;\\\/li&gt;\\n&lt;li&gt;&lt;code&gt;accountStateType&lt;\\\/code&gt; set to &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;Payout&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/li&gt;\\n&lt;li&gt;&lt;code&gt;tier&lt;\\\/code&gt; set to the tier that you want to verify your account holder up to. Reach out to\\u00a0our &lt;a href=\\&quot;https:\\\/\\\/ca-test.adyen.com\\\/ca\\\/ca\\\/contactUs\\\/support.shtml?form=other\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot; class=\\&quot;external-link no-image\\&quot;&gt;Support Team&lt;\\\/a&gt;\\u00a0if you are unsure which tier you need to set.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Set payout tier to 2&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=\\&quot;[{&amp;quot;language&amp;quot;:&amp;quot;bash&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;curl https:\\\\\\\/\\\\\\\/cal-test.adyen.com\\\\\\\/cal\\\\\\\/services\\\\\\\/Account\\\\\\\/v6\\\\\\\/checkAccountHolder \\\\\\\\\\\\n-H &#039;x-api-key: ADYEN_API_KEY&#039; \\\\\\\\\\\\n-H &#039;content-type: application\\\\\\\/json&#039; \\\\\\\\\\\\n-d &#039;{\\\\n  \\\\&amp;quot;accountHolderCode\\\\&amp;quot;: \\\\&amp;quot;CODE_OF_ACCOUNT_HOLDER\\\\&amp;quot;,\\\\n  \\\\&amp;quot;accountStateType\\\\&amp;quot;: \\\\&amp;quot;Payout\\\\&amp;quot;,\\\\n  \\\\&amp;quot;tier\\\\&amp;quot;: 2\\\\n}&#039;&amp;quot;}]\\&quot; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Response&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;json\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;{\\\\n    \\\\\\&quot;pspReference\\\\\\&quot;: \\\\\\&quot;8836183819713023\\\\\\&quot;,\\\\n    \\\\\\&quot;resultCode\\\\\\&quot;: \\\\\\&quot;Success\\\\\\&quot;\\\\n}\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&lt;p&gt;We will perform verification on the account holder for all checks in the tier number provided. If the checks do not have enough information to verify or if a check fails, the current payout state will not be affected. Your account holder can continue processing payments and being paid out in their current tier.&lt;\\\/p&gt;\\n&lt;p&gt;For each verification check performed, we send the following notifications:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;\\u00a0&lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/#\\\/NotificationService\\\/latest\\\/ACCOUNT_HOLDER_VERIFICATION\\&quot; class=\\&quot;codeLabel external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;ACCOUNT_HOLDER_VERIFICATION&lt;\\\/a&gt;\\u00a0: Contains the result of the verification.&lt;\\\/li&gt;\\n&lt;li&gt;\\u00a0&lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/#\\\/NotificationService\\\/latest\\\/ACCOUNT_HOLDER_STATUS_CHANGE\\&quot; class=\\&quot;codeLabel external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;ACCOUNT_HOLDER_STATUS_CHANGE&lt;\\\/a&gt;: Contains the tier the account holder has been verified against.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Example ACCOUNT_HOLDER_STATUS_CHANGE notification&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;json\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;{\\\\n   \\\\\\&quot;eventDate\\\\\\&quot;: \\\\\\&quot;2019-02-13T15:26:32+01:00\\\\\\&quot;,\\\\n   \\\\\\&quot;eventType\\\\\\&quot;: \\\\\\&quot;ACCOUNT_HOLDER_STATUS_CHANGE\\\\\\&quot;,\\\\n   \\\\\\&quot;executingUserKey\\\\\\&quot;: \\\\\\&quot;Status Update\\\\\\&quot;,\\\\n   \\\\\\&quot;live\\\\\\&quot;: false,\\\\n   \\\\\\&quot;pspReference\\\\\\&quot;: \\\\\\&quot;8836183819713023\\\\\\&quot;,\\\\n   \\\\\\&quot;content\\\\\\&quot;: {\\\\n      \\\\\\&quot;accountHolderCode\\\\\\&quot;: \\\\\\&quot;AH000001\\\\\\&quot;,\\\\n      \\\\\\&quot;oldStatus\\\\\\&quot;: {...},\\\\n      \\\\\\&quot;newStatus\\\\\\&quot;: {\\\\n         \\\\\\&quot;status\\\\\\&quot;: \\\\\\&quot;Active\\\\\\&quot;,\\\\n         \\\\\\&quot;statusReason\\\\\\&quot;: \\\\\\&quot;Reason of status\\\\\\&quot;,\\\\n         \\\\\\&quot;processingState\\\\\\&quot;: {\\\\n            \\\\\\&quot;disabled\\\\\\&quot;: false,\\\\n            \\\\\\&quot;processedFrom\\\\\\&quot;: {\\\\n               \\\\\\&quot;currency\\\\\\&quot;: \\\\\\&quot;USD\\\\\\&quot;,\\\\n               \\\\\\&quot;value\\\\\\&quot;: 0\\\\n            },\\\\n            \\\\\\&quot;processedTo\\\\\\&quot;: {\\\\n               \\\\\\&quot;currency\\\\\\&quot;: \\\\\\&quot;USD\\\\\\&quot;,\\\\n               \\\\\\&quot;value\\\\\\&quot;: 0\\\\n            },\\\\n            \\\\\\&quot;tierNumber\\\\\\&quot;: 0\\\\n         },\\\\n         \\\\\\&quot;payoutState\\\\\\&quot;: {\\\\n            \\\\\\&quot;allowPayout\\\\\\&quot;: true,\\\\n            \\\\\\&quot;disabled\\\\\\&quot;: false,\\\\n            \\\\\\&quot;tierNumber\\\\\\&quot;: 2\\\\n         },\\\\n         \\\\\\&quot;events\\\\\\&quot;: [\\\\n            ]\\\\n      }\\\\n   }\\\\n}\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&quot;,&quot;altTitle&quot;:null,&quot;oldTabId&quot;:&quot;proactively_verify_account_holder_details_0_1&quot;,&quot;relation&quot;:&quot;&quot;},{&quot;title&quot;:&quot;Force immediate verification&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;Verifying an account holder before allowing them to pay out can help protect your platform from high-risk users. You can set the tier you want the account holder to successfully verify before they can pay out.&lt;\\\/p&gt;\\n&lt;p&gt;To verify while disabling payouts, make a POST  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Account\\\/latest\\\/post\\\/checkAccountHolder\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;\\\/checkAccountHolder&lt;\\\/a&gt; call and provide:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;&lt;code&gt;accountHolderCode&lt;\\\/code&gt;\\u00a0of the account holder you want to verify.&lt;\\\/li&gt;\\n&lt;li&gt;&lt;code&gt;accountStateType&lt;\\\/code&gt;\\u00a0set to\\u00a0&lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;Processing&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/li&gt;\\n&lt;li&gt;&lt;code&gt;tier&lt;\\\/code&gt;\\u00a0set to the tier that you want to verify your account holder up to. Reach out to &lt;a href=\\&quot;https:\\\/\\\/ca-test.adyen.com\\\/ca\\\/ca\\\/contactUs\\\/support.shtml?form=other\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot; class=\\&quot;external-link no-image\\&quot;&gt;Support Team&lt;\\\/a&gt; if you are unsure which tier you need to set.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Set processing tier to 2&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=\\&quot;[{&amp;quot;language&amp;quot;:&amp;quot;bash&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;curl https:\\\\\\\/\\\\\\\/cal-test.adyen.com\\\\\\\/cal\\\\\\\/services\\\\\\\/Account\\\\\\\/v6\\\\\\\/checkAccountHolder \\\\\\\\\\\\n-H &#039;x-api-key: ADYEN_API_KEY&#039; \\\\\\\\\\\\n-H &#039;content-type: application\\\\\\\/json&#039; \\\\\\\\\\\\n-d &#039;{\\\\n  \\\\&amp;quot;accountHolderCode\\\\&amp;quot;: \\\\&amp;quot;CODE_OF_ACCOUNT_HOLDER\\\\&amp;quot;,\\\\n  \\\\&amp;quot;accountStateType\\\\&amp;quot;: \\\\&amp;quot;Processing\\\\&amp;quot;,\\\\n  \\\\&amp;quot;tier\\\\&amp;quot;: 2\\\\n}&#039;&amp;quot;}]\\&quot; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Response&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;json\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;{\\\\n    \\\\\\&quot;pspReference\\\\\\&quot;: \\\\\\&quot;8836183819713023\\\\\\&quot;,\\\\n    \\\\\\&quot;resultCode\\\\\\&quot;: \\\\\\&quot;Success\\\\\\&quot;\\\\n}\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&lt;p&gt;We will perform verification on the account holder for all checks in the tier number provided. This immediately initiates the required checks for that tier, and only allow payouts if the verification is successful. If the checks do not have enough information to verify or if a check fails, payouts are disabled. You then need to collect the appropriate details from your account holder and make another &lt;code&gt;\\\/checkAccountHolder&lt;\\\/code&gt; call to restart the verification.&lt;\\\/p&gt;\\n&lt;p&gt;For each verification check performed, we send the following notifications:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;\\u00a0&lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/#\\\/NotificationService\\\/latest\\\/ACCOUNT_HOLDER_VERIFICATION\\&quot; class=\\&quot;codeLabel external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;ACCOUNT_HOLDER_VERIFICATION&lt;\\\/a&gt;\\u00a0: Contains the result of the verification.&lt;\\\/li&gt;\\n&lt;li&gt;\\u00a0&lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/#\\\/NotificationService\\\/latest\\\/ACCOUNT_HOLDER_STATUS_CHANGE\\&quot; class=\\&quot;codeLabel external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;ACCOUNT_HOLDER_STATUS_CHANGE&lt;\\\/a&gt;: Contains the tier the account holder has been verified against.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Example ACCOUNT_HOLDER_STATUS_CHANGE notification&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;json\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;{\\\\n   \\\\\\&quot;eventDate\\\\\\&quot; : \\\\\\&quot;2019-02-13T15:25:32+01:00\\\\\\&quot;,\\\\n   \\\\\\&quot;eventType\\\\\\&quot; : \\\\\\&quot;ACCOUNT_HOLDER_STATUS_CHANGE\\\\\\&quot;,\\\\n   \\\\\\&quot;executingUserKey\\\\\\&quot; : \\\\\\&quot;Status Update\\\\\\&quot;,\\\\n   \\\\\\&quot;live\\\\\\&quot; : false,\\\\n   \\\\\\&quot;pspReference\\\\\\&quot; : \\\\\\&quot;8836183819713023\\\\\\&quot;,\\\\n   \\\\\\&quot;content\\\\\\&quot; : {\\\\n      \\\\\\&quot;accountHolderCode\\\\\\&quot; : \\\\\\&quot;CODE_OF_ACCOUNT_HOLDER\\\\\\&quot;,\\\\n      \\\\\\&quot;oldStatus\\\\\\&quot; : {\\\\n         \\\\\\&quot;status\\\\\\&quot; : \\\\\\&quot;Active\\\\\\&quot;,\\\\n         \\\\\\&quot;processingState\\\\\\&quot; : {\\\\n            \\\\\\&quot;disabled\\\\\\&quot; : false,\\\\n            \\\\\\&quot;processedFrom\\\\\\&quot; : {\\\\n               \\\\\\&quot;currency\\\\\\&quot; : \\\\\\&quot;USD\\\\\\&quot;,\\\\n               \\\\\\&quot;value\\\\\\&quot; : 50000\\\\n            },\\\\n            \\\\\\&quot;tierNumber\\\\\\&quot; : 2\\\\n         },\\\\n         \\\\\\&quot;payoutState\\\\\\&quot; : {\\\\n            \\\\\\&quot;allowPayout\\\\\\&quot; : false,\\\\n            \\\\\\&quot;disabled\\\\\\&quot; : false\\\\n         },\\\\n         \\\\\\&quot;events\\\\\\&quot; : [\\\\n            {\\\\n               \\\\\\&quot;event\\\\\\&quot; : \\\\\\&quot;InactivateAccount\\\\\\&quot;,\\\\n               \\\\\\&quot;executionDate\\\\\\&quot; : \\\\\\&quot;2019-03-15T15:25:16+01:00\\\\\\&quot;,\\\\n               \\\\\\&quot;reason\\\\\\&quot; : \\\\\\&quot;Processed more than USD 500.00 or equivalent, deadline triggered\\\\\\&quot;\\\\n            }\\\\n         ]\\\\n      },\\\\n      \\\\\\&quot;newStatus\\\\\\&quot; : {\\\\n         \\\\\\&quot;status\\\\\\&quot; : \\\\\\&quot;Active\\\\\\&quot;,\\\\n         \\\\\\&quot;processingState\\\\\\&quot; : {\\\\n            \\\\\\&quot;disabled\\\\\\&quot; : false,\\\\n            \\\\\\&quot;processedFrom\\\\\\&quot; : {\\\\n               \\\\\\&quot;currency\\\\\\&quot; : \\\\\\&quot;USD\\\\\\&quot;,\\\\n               \\\\\\&quot;value\\\\\\&quot; : 50000\\\\n            },\\\\n            \\\\\\&quot;tierNumber\\\\\\&quot; : 2\\\\n         },\\\\n         \\\\\\&quot;payoutState\\\\\\&quot; : {\\\\n            \\\\\\&quot;allowPayout\\\\\\&quot; : true,\\\\n            \\\\\\&quot;disabled\\\\\\&quot; : false,\\\\n            \\\\\\&quot;tierNumber\\\\\\&quot; : 2\\\\n         },\\\\n         \\\\\\&quot;events\\\\\\&quot; : [\\\\n         ]\\\\n      }\\\\n   }\\\\n}\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&quot;,&quot;altTitle&quot;:null,&quot;oldTabId&quot;:&quot;force_immediate_verification_1_2&quot;,&quot;relation&quot;:&quot;&quot;}]\"\n            :should-update-when-url-changes='false'>\n        <\/tabs>\n    <\/div>\n<\/div>\n\n<h2>Onboarding options<\/h2>\n<p>To get the required information and verify your account holders, you can choose from the following onboarding options:<\/p>\n<ul>\n<li><strong>Hosted Onboarding Page<\/strong>: Send account holders to an onboarding page where they provide additional information directly to Adyen. This is our recommended solution, because it requires less implementation effort on your side.<\/li>\n<li><strong>Custom onboarding application<\/strong>: Collect information from account holders and pass it to Adyen using our API. You are in full control of the user interface and experience.<\/li>\n<\/ul>\n<h3>Choose an option<\/h3>\n<div class=\"next-steps\" id=\"next-steps\" >\n<a href=\"\/classic-platforms\/onboard-users\/hosted-onboarding-page\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><div class=\"next-steps__title\">Hosted Onboarding Page<\/div><p class=\"next-steps__body\"><p>Redirect account holders to an onboarding page.<\/p><\/p><\/a><a href=\"\/classic-platforms\/onboard-users\/custom-onboarding\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><div class=\"next-steps__title\">Custom onboarding <\/div><p class=\"next-steps__body\"><p>Build your own onboarding application.<\/p><\/p><\/a><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/classic-platforms\/onboard-users","articleFields":{"description":"Move your account holders through the verification process.","search_category":"Classic Platforms","id":"36197816","type":"page","_expandable":{"operations":""},"status":"current","last_edit_on":"08-04-2020 14:30","feedback_component":true,"parameters":{"directoryPath":"\/classic-platforms"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/classic-platforms\/onboard-users","title":"Onboard and verify users","content":"\nThis page is for classic Adyen for Platforms integrations. If you are just starting your implementation, refer to our new integration guide instead.\n\nAs required by payment industry regulations, sub-merchants have to go through a verification process before you can enable payouts for them. These checks are required to help prevent fraudulent activities in your platform.\nBefore you can start the verification process, you must decide on:\n\nWhen to collect information: all at once for upfront verification, or whenever necessary for staggered verification.\nHow to collect information: Use Adyen's Hosted Onboarding Page, or build your own onboarding application.\n\nAfter we receive information from you or directly from your account holders, we automatically conduct the required verification checks.\nUpfront verification\nIn the upfront verification approach, the information for all required verification checks is collected and verified right after an account holder is created, eliminating the need to go back to them for more data later in the process. Once the account holder is verified, payouts are allowed regardless of the volume the account holder will process later on, ensuring uninterrupted business.\nTo enable upfront verification for your platform, contact our Support Team.\nStaggered verification\nDuring a staggered verification process, you collect the required information only when needed. This approach enables a faster initial sign-up, as not all account holders have to go through the full verification process. Account holders that process small amounts, for example, individuals, will have an easy onboarding process and can get paid out quickly.\nHowever, for account holders that process higher amounts, their business may be interrupted when payouts are temporarily disabled. When they reach the limits of their current processing tier, additional verification checks are required and payouts are disabled. You must contact your account holder to provide the required information. After all data has been verified by Adyen, the account holder will be placed in a higher payout tier and payouts will be enabled again.\nVerification tiers\nIn a staggered verification approach, the verification tiers determine what additional information has to be collected and verified by Adyen to enable or continue payouts for account holders. The tiers and limits are defined based on the account holder's country, legal entity, and processing volume.\nThe tier system consists of two categories:\n\nProcessing tiers are determined by the amount of funds processed.\nPayout tiers are determined by the verification checks passed.\n\nWhen an account holder processes a larger volume of funds than what their current processing tier allows, they are moved to higher tier. Reaching a higher processing tier disables payouts and automatically triggers new verification checks. If the information required by the verification checks is missing or incorrect, we send  ACCOUNT_HOLDER_UPDATED and  ACCOUNT_HOLDER_VERIFICATION notifications, specifying the data the account holder needs to provide. After we receive all the data and there has been no request to precheck this information, the validation runs automatically. The account holders move to a higher payout tier when the validation is successful.\nPrecheck the required information\nWhen onboarding your account holders with a staggered verification process, Adyen does not verify their details until they reach a certain processing tier. However, there may be situations where you want to verify your account holder's details before they meet the thresholds. For example, verify an account holder early to prevent a pending verification from temporarily disabling payouts, or verify a high-risk account holder before allowing them to pay out.\nTo precheck the required information, send a POST  \/checkAccountHolder request and set the accountStateType to:\n\nPayout if you want to verify account holder details proactively.\nProcessing if you want to force immediate verification.\n\n\n\n    \n        \n        \n    \n\n\nOnboarding options\nTo get the required information and verify your account holders, you can choose from the following onboarding options:\n\nHosted Onboarding Page: Send account holders to an onboarding page where they provide additional information directly to Adyen. This is our recommended solution, because it requires less implementation effort on your side.\nCustom onboarding application: Collect information from account holders and pass it to Adyen using our API. You are in full control of the user interface and experience.\n\nChoose an option\n\nHosted Onboarding PageRedirect account holders to an onboarding page.Custom onboarding Build your own onboarding application.\n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Classic integration","lvl2":"Onboard and verify users"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/classic-platforms","lvl2":"\/pt\/classic-platforms\/onboard-users"},"levels":3,"category":"Classic Platforms","category_color":"green","tags":["Onboard","verify","users"]}}