{"title":"User capabilities","category":"default","creationDate":1671721620,"content":"

Every account holder has a list of capabilities that determine what they can do on your platform. You can edit a capability's settings<\/a> to change which actions the account holder has permission to do, for example, receive payments, send funds to a bank account, or use certain financial products<\/a>.<\/p>\n

In most cases, Adyen configures default capabilities for your business during the design phase<\/a>. These capabilities are automatically requested for your users when you create account holders for them. If a user needs a specific capability that is not part of their default configuration, you must request the additional capability<\/a>. <\/p>\n

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It is possible that requesting additional capabilities prompts additional KYC checks<\/a> on your users. <\/p>\n<\/div>\n

General capabilities<\/h2>\n

Depending on your settings, capabilities are requested automatically for new account holders, or you have to request them separately when needed.<\/p>\n\n\n\n\n\n\n\n\n
Capability name<\/div><\/th>\n
Display name in Customer Area<\/div><\/th>\n
Description<\/div><\/th>\n<\/tr>\n<\/thead>\n
receiveFromBalanceAccount<\/strong><\/td>\nReceive funds from balance accounts<\/td>\nAllows users to receive funds from other balance accounts in your platform. <\/br>This capability is only required if the balance accounts are not under the same account holder.<\/td>\n<\/tr>\n
receiveFromTransferInstrument<\/strong><\/td>\nReceive funds from transfer instruments<\/td>\nAllows users to receive funds from verified bank accounts.<\/td>\n<\/td>\n<\/tr>\n
sendToBalanceAccount<\/strong><\/td>\nSend funds to balance accounts<\/td>\nAllows users to transfer funds to other balance accounts<\/a> in your platform. <\/br>This capability is only required if the balance accounts are not under the same account holder.<\/td>\n<\/tr>\n
sendToTransferInstrument<\/strong><\/td>\nSend funds to transfer instruments<\/td>\nAllows users to transfer funds to verified bank accounts. <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Capabilities for card issuing<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
API name<\/div><\/th>\n
Display name in Customer Area<\/div><\/th>\n
Description<\/div><\/th>\n<\/tr>\n<\/thead>\n
issueCard<\/strong><\/td>\nIssue cards for payments<\/td>\nAllows users to have an Adyen-issued card<\/a>.<\/td>\n<\/tr>\n
useCard<\/strong><\/td>\nUse cards for payments<\/td>\nAllows users to use an Adyen-issued card<\/a>.<\/td>\n<\/tr>\n
withdrawFromAtm<\/strong><\/td>\nWithdraw cash from ATMs<\/td>\nAllows users to withdraw cash from ATMs. <\/br>This capability has levels<\/a>.<\/td>\n<\/tr>\n
withdrawFromAtmInRestrictedCountries<\/strong><\/td>\nWithdraw cash from ATMs in restricted countries<\/td>\nAllows users to withdraw cash from ATMs in restricted countries. <\/br>This capability has levels<\/a>.<\/td>\n<\/tr>\n
receiveFromTransferInstrument<\/strong><\/td>\nReceive funds from transfer instruments<\/td>\nAllows users to receive funds from verified bank accounts.<\/td>\n<\/tr>\n
sendToTransferInstrument<\/strong><\/td>\nSend funds to transfer instruments<\/td>\nAllows users to transfer funds to verified bank accounts from balance accounts.<\/br><\/br>From LEM API v3, this capability is verified at the level of the transfer instrument. This means, for example, that transfers are possible to a verified card independently of the verification status of other transfer instruments that the legal entity has.<\/td>\n<\/tr>\n
useCardInRestrictedCountries<\/strong><\/td>\nUse cards for payments in restricted countries<\/td>\nAllows users to use an Adyen-issued card<\/a> to pay for goods and services in restricted countries. <\/br>This capability has levels<\/a>.<\/td>\n<\/tr>\n
useCardInRestrictedIndustries<\/strong><\/td>\nUse cards for payments in restricted industries<\/td>\nAllows users to use an Adyen-issued card<\/a> to pay for goods and services from restricted industries. <\/br>This capability has levels<\/a>.<\/td>\n<\/tr>\n
sendToBalanceAccount<\/strong><\/td>\nSend funds to balance accounts<\/td>\nAllows users to Transfer funds to other balance accounts<\/a> in your platform. <\/br>This capability is only required if the balance accounts are not under the same account holder.<\/td>\n<\/tr>\n
receiveFromBalanceAccount<\/strong><\/td>\nReceive funds from balance accounts<\/td>\nAllows users to receive funds from other balance accounts in your platform. <\/br>This capability is only required if the balance accounts are not under the same account holder.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Capability levels<\/h3>\n

Capabilities for card issuing can also have different levels: low, medium, or high. Levels increase the capability, but may also require more checks and increased monitoring. Adyen runs checks based on the requested capability and the capability level.<\/p>\n

The amounts below are the threshold amounts per card, per day.<\/p>\n\n\n\n\n\n\n\n\n
API name<\/th>\n
Display name in Customer Area<\/div><\/th>\n
Low level<\/th>\nMedium level<\/th>\nHigh level<\/th>\n<\/tr>\n<\/thead>\n
withdrawFromAtm<\/strong><\/td>\nWithdraw cash from ATMs<\/td>\n0<\/td>\nLess than or equal to EUR 750<\/td>\nMore than EUR 750 and less than EUR 1500<\/td>\n<\/tr>\n
withdrawFromAtmInRestrictedCountries<\/strong><\/td>\nWithdraw cash from ATMs in restricted countries<\/td>\n0<\/td>\nLess than or equal to EUR 500<\/td>\nMore than EUR 500 and less than EUR 1000<\/td>\n<\/tr>\n
useCardInRestrictedCountries<\/strong><\/td>\nUse cards for payments in restricted countries<\/td>\n0<\/td>\nLess than or equal to EUR 1500<\/td>\nGreater than EUR 1500<\/td>\n<\/tr>\n
useCardInRestrictedIndustries<\/strong><\/td>\nUse cards for payments in restricted industries<\/td>\n0<\/td>\nIndustry-specific limits apply<\/td>\nIndustry-specific limits apply<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Verification status of a capability<\/h2>\n

Verification status of a capability indicates whether a user has passed KYC checks<\/a> and meets requirements to use a specific capability. To get updates about the verification status of a capability, you can:<\/p>\n