{"title":"Onboard and verify users","category":"default","creationDate":1685459280,"content":"<p>Your users' legal entity type and operating country determine the <a href=\"\/pt\/issuing\/onboard-users\/onboarding-steps\">required verification information<\/a> you need to collect from your users. You can use Adyen's Hosted onboarding or build your own UI to collect information from your users.<\/p>\n<ul>\n<li><strong>Hosted onboarding<\/strong>: Direct your users to a page hosted by Adyen, where Adyen manages the onboarding flow and user interface (UI). You need to implement a few API calls to create the resources.<\/li>\n<li><strong>API-only onboarding<\/strong>: Build your own UI and collect required user data. You make API requests to create resources and submit the user data to Adyen. This onboarding type gives you complete control over the user journey within your platform's environment.<\/li>\n<\/ul>\n<p>After Adyen receives the information, the <a href=\"\/pt\/issuing\/verification-overview\">verification process<\/a> starts automatically.<\/p>\n<h2>Requirements<\/h2>\n<p>If you have an <a href=\"\/pt\/issuing\">Adyen Issuing<\/a> integration, there are no additional requirements, limitations, or preparations.<\/p>\n<h2>Hosted onboarding<\/h2>\n<div class=\"additional-info-block output-inline\">\n<h5 class=\"article__heading additional-info-block__title\">Hosted onboarding Postman flows<\/h5><div class=\"additional-info-block__body\"><p><img style=\"width: 20px;\" alt=\"\" src=\"\/user\/pages\/reuse\/pfs-general\/link-to-postman-flows\/postman-icon.svg?decoding=auto&amp;fetchpriority=auto\" \/> Try out Postman flows in your private workspace to test all the required API calls with your own credentials. Select your business model: <a href=\"https:\/\/www.postman.com\/adyendev\/workspace\/adyen-flows\/flow\/6555ce17ba8c23003c46e885\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">marketplace<\/a> or <a href=\"https:\/\/www.postman.com\/adyendev\/workspace\/adyen-flows\/flow\/6555da913826e900310ebeba\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">platform<\/a>.<\/p><\/div><\/div>\n\n<p>Hosted onboarding is our recommended solution for collecting the information needed to onboard your users. This option requires less integration effort, because your users provide their information directly on a page hosted by Adyen.<\/p>\n<\/li>\n<\/ul>\n<p>You need to make a few API calls 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  <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> to create and customize the resources required to generate the Adyen-hosted onboarding page.<\/p>\n<p>You can also <a href=\"\/pt\/issuing\/onboard-users\/customize-hosted-onboarding\">customize<\/a> the theme, the language, and the user permissions of the hosted onboarding page.<\/p>\n<p>If your users need to accept Adyen's <a href=\"\/pt\/issuing\/onboard-users\/terms-of-service\">Terms of Service<\/a>, we include this step on the hosted onboarding page.<\/p>\n<h3>Supported countries and regions<\/h3>\n<p>You can use hosted onboarding in the following locations where your users are operating.<\/p>\n<div class=\"sc-columns\" style=\"columns:3 auto;-moz-columns:3 auto;column-gap:normal;-moz-column-gap:normal;\">\n<p>Australia<br \/>\nAustria<br \/>\nBelgium<br \/>\nBulgaria<br \/>\nCanada<br \/>\nCroatia<br \/>\nCyprus<br \/>\nCzech Republic<br \/>\nDenmark<br \/>\nEstonia<br \/>\nFinland<br \/>\nFrance<br \/>\nGermany<br \/>\nGibraltar<br \/>\nGreece<br \/>\nGuernsey<br \/>\nHong Kong<br \/>\nHungary<br \/>\nIreland<br \/>\nItaly<br \/>\nLatvia<br \/>\nLiechtenstein<br \/>\nLithuania<br \/>\nLuxembourg<br \/>\nMalta<br \/>\nNetherlands<br \/>\nNew Zealand<br \/>\nNorway<br \/>\nPoland<br \/>\nPortugal<br \/>\nRomania<br \/>\nSingapore<br \/>\nSlovakia<br \/>\nSlovenia<br \/>\nSpain<br \/>\nSweden<br \/>\nSwitzerland<br \/>\nUnited Kingdom (including Isle of Man &amp; Jersey)<br \/>\nUnited States (including Puerto Rico)<\/p>\n<\/div>\n<h3 id=\"instant-bank-verification\">Instant bank account verification in hosted onboarding<\/h3>\n<p>For some locations and legal entity types, your users can choose to instantly verify their bank account details in your hosted onboarding page. They are prompted to log in to their online banking environment and confirm their account details. Their bank account is then verified within seconds without them needing to provide a bank statement.<\/p>\n<div class=\"accordion-shortcode adl-accordion adl-accordion--max-height-transition\" data-expand=\"true\" data-ignore=\"anchorjs-link\">\n    \n    <div class=\"adl-accordion__item\" style=\"border: none !important;\">\n        <div tabindex=\"0\" role=\"item\" aria-expanded=\"false\" class=\"adl-accordion__header\">\n            <i class=\"adl-accordion__toggle adl-icon-chevron-down\"><\/i>\n            <div class=\"adl-accordion__title-wrapper\" data-accordion=\"#see-supported-countries-regions\">\n                                    <h4 class=\"adl-accordion__title\">See supported countries\/regions<\/h4>\n                            <\/div>\n        <\/div>\n        <div role=\"region\" class=\"adl-accordion__content\">\n            \n<p>This feature is currently only available for the following locations and legal entity types.<\/p>\n<table>\n<thead>\n<tr>\n<th>Country\/region<\/th>\n<th style=\"text-align: center;\">Individuals<\/th>\n<th style=\"text-align: center;\">Organizations<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Austria<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>Belgium<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>Canada<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Denmark<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>Estonia<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>Finland<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>France<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Germany<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Ireland<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>Italy<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>Latvia<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>Lithuania<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>Netherlands<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Norway<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td>Portugal<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Poland<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Spain<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>Sweden<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>United Kingdom<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<tr>\n<td>United States<\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<td style=\"text-align: center;\"><img title=\"-white_check_mark-\" alt=\"-white_check_mark-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/white_check_mark.png\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<p>To see an example of the entire hosted onboarding flow, you can watch a video here:<\/p>\n<div class=\"sc-columns\" style=\"columns:2 auto;-moz-columns:2 auto;column-gap:normal;-moz-column-gap:normal;\">\n<div style=\"text-align: center;\">\n<iframe src=\"https:\/\/player.vimeo.com\/video\/844529799?h=0504e3c3d0\" width=\"100%\" height=\"564\" frameborder=\"0\" allow=\"autoplay; fullscreen\" allowfullscreen><\/iframe>\n<\/div>\n<div style=\"text-align: center;\">\n<iframe src=\"https:\/\/player.vimeo.com\/video\/844529828?h=47c0053c04\" width=\"100%\" height=\"564\" frameborder=\"0\" allow=\"autoplay; fullscreen\" allowfullscreen><\/iframe>\n<\/div>\n<\/div>\n<h3 id=\"auto-id-document\">Autofill individual details using ID documents in hosted onboarding<\/h3>\n<div class=\"notices green\">\n<p>This feature is only available if you are using  onboarding v3 or v4<\/p>\n<\/div>\n<p>Users filling in their personal details can now scan or upload their ID document in the hosted onboarding page to add this information. This ensures that the information matches the document and improves verification pass rates.<\/p>\n<div class=\"notices green\">\n<p>Only ID documents that contain <a href=\"https:\/\/en.wikipedia.org\/wiki\/Latin_alphabet\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Latin characters<\/a> are supported.<\/p>\n<\/div>\n<p>After scanning or uploading their ID document, the user can confirm their information before submitting it to Adyen.<br \/>\n<img alt=\"\" src=\"\/user\/pages\/reuse\/pfs-onboarding\/landing-page\/hosted\/Id-capture.png\" \/><\/p>\n<p>To test this feature, use the following <a href=\"https:\/\/documentation.onfido.com\/images\/sample_driving_licence.png\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">sample document<\/a>.<\/p>\n<h3 id=\"decision-makers\">Guided flow to add decision makers for organizations in hosted onboarding<\/h3>\n<p>This feature is only available if you are using  onboarding v3 or v4<\/p>\n<p>Users can answer a series of questions to ensure that they select the correct role for the decision makers for their organization. Decision makers include <a href=\"\/pt\/issuing\/verification-requirements\/?tab=organization_0_1#identify-ubos\">ultimate beneficial owners, controlling persons, and signatories<\/a>.<\/p>\n<p><img alt=\"\" src=\"\/user\/pages\/reuse\/pfs-onboarding\/landing-page\/hosted\/decision-makers.png\" \/><\/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>.<\/p>\n<p>To build your integration more quickly, you also can embed <a href=\"\/pt\/issuing\/onboard-users\/components\">Onboarding components<\/a> into your UI to let your users enter their data. These components use the entered data to create the relevant resource. This means you do not need to make an API request to create the resource yourself.<\/p>\n<h3>Onboarding v4 requirements<\/h3>\n<p>The following requirements apply if you want to issue cards to your users.<\/p>\n<h4>Business lines<\/h4>\n<p>You must create business lines to issue cards to your users. 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 <strong>issuing<\/strong>. In your request, specify the <a href=\"\/pt\/issuing\/\/verification-requirements\/reference-additional-products\/#list-industry-codes\">industry code<\/a>.<\/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","url":"https:\/\/docs.adyen.com\/pt\/issuing\/onboard-users","articleFields":{"description":"Learn to move your users through the verification process.","section_label":"Onboard account holders","feedback_component":true,"filters_component":false,"last_edit_on":"07-07-2023 10:11","next_steps":[{"title":"Onboarding steps","description":"See the required verification information for your users and how to submit it to Adyen","url":"\/issuing\/onboard-users\/onboarding-steps","required":true},{"title":"Customize hosted onboarding","description":"Learn how to customize your hosted onboarding page","url":"\/issuing\/onboard-users\/customize-hosted-onboarding","required":false}],"parameters":{"directoryPath":"\/issuing","model":"issuing","integrationType":"issuing"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/issuing\/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 can use Adyen's Hosted onboarding or build your own UI to collect information from your users.\n\nHosted onboarding: Direct your users to a page hosted by Adyen, where Adyen manages the onboarding flow and user interface (UI). You need to implement a few API calls to create the resources.\nAPI-only onboarding: Build your own UI and collect required user data. You make API requests to create resources and submit the user data to Adyen. This onboarding type gives you complete control over the user journey within your platform's environment.\n\nAfter Adyen receives the information, the verification process starts automatically.\nRequirements\nIf you have an Adyen Issuing integration, there are no additional requirements, limitations, or preparations.\nHosted onboarding\n\nHosted onboarding Postman flows Try out Postman flows in your private workspace to test all the required API calls with your own credentials. Select your business model: marketplace or platform.\n\nHosted onboarding is our recommended solution for collecting the information needed to onboard your users. This option requires less integration effort, because your users provide their information directly on a page hosted by Adyen.\n\n\nYou need to make a few API calls to the  Legal Entity Management API and  Configuration API to create and customize the resources required to generate the Adyen-hosted onboarding page.\nYou can also customize the theme, the language, and the user permissions of the hosted onboarding page.\nIf your users need to accept Adyen's Terms of Service, we include this step on the hosted onboarding page.\nSupported countries and regions\nYou can use hosted onboarding in the following locations where your users are operating.\n\nAustralia\nAustria\nBelgium\nBulgaria\nCanada\nCroatia\nCyprus\nCzech Republic\nDenmark\nEstonia\nFinland\nFrance\nGermany\nGibraltar\nGreece\nGuernsey\nHong Kong\nHungary\nIreland\nItaly\nLatvia\nLiechtenstein\nLithuania\nLuxembourg\nMalta\nNetherlands\nNew Zealand\nNorway\nPoland\nPortugal\nRomania\nSingapore\nSlovakia\nSlovenia\nSpain\nSweden\nSwitzerland\nUnited Kingdom (including Isle of Man &amp; Jersey)\nUnited States (including Puerto Rico)\n\nInstant bank account verification in hosted onboarding\nFor some locations and legal entity types, your users can choose to instantly verify their bank account details in your hosted onboarding page. They are prompted to log in to their online banking environment and confirm their account details. Their bank account is then verified within seconds without them needing to provide a bank statement.\n\n    \n    \n        \n            \n            \n                                    See supported countries\/regions\n                            \n        \n        \n            \nThis feature is currently only available for the following locations and legal entity types.\n\n\n\nCountry\/region\nIndividuals\nOrganizations\n\n\n\n\nAustria\n\n\n\n\nBelgium\n\n\n\n\nCanada\n\n\n\n\nDenmark\n\n\n\n\nEstonia\n\n\n\n\nFinland\n\n\n\n\nFrance\n\n\n\n\nGermany\n\n\n\n\nIreland\n\n\n\n\nItaly\n\n\n\n\nLatvia\n\n\n\n\nLithuania\n\n\n\n\nNetherlands\n\n\n\n\nNorway\n\n\n\n\nPortugal\n\n\n\n\nPoland\n\n\n\n\nSpain\n\n\n\n\nSweden\n\n\n\n\nUnited Kingdom\n\n\n\n\nUnited States\n\n\n\n\n\n\n        \n    \n\n\nTo see an example of the entire hosted onboarding flow, you can watch a video here:\n\n\n\n\n\n\n\n\nAutofill individual details using ID documents in hosted onboarding\n\nThis feature is only available if you are using  onboarding v3 or v4\n\nUsers filling in their personal details can now scan or upload their ID document in the hosted onboarding page to add this information. This ensures that the information matches the document and improves verification pass rates.\n\nOnly ID documents that contain Latin characters are supported.\n\nAfter scanning or uploading their ID document, the user can confirm their information before submitting it to Adyen.\n\nTo test this feature, use the following sample document.\nGuided flow to add decision makers for organizations in hosted onboarding\nThis feature is only available if you are using  onboarding v3 or v4\nUsers can answer a series of questions to ensure that they select the correct role for the decision makers for their organization. Decision makers include ultimate beneficial owners, controlling persons, and signatories.\n\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.\nTo build your integration more quickly, you also can embed Onboarding components into your UI to let your users enter their data. These components use the entered data to create the relevant resource. This means you do not need to make an API request to create the resource yourself.\nOnboarding v4 requirements\nThe following requirements apply if you want to issue cards to your users.\nBusiness lines\nYou must create business lines to issue cards to your users. To submit this information to Adyen, make a POST  \/businessLines request, specifying the service as issuing. In your request, specify the industry code.\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\n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Adyen Issuing","lvl2":"Onboard and verify users"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/issuing","lvl2":"\/pt\/issuing\/onboard-users"},"levels":3,"category":"Issuing","category_color":"green","tags":["Onboard","verify","users"]}}