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Reference for additional capabilities

Learn what additional information is required to issue cards to your users

If you are using onboarding v4, see which values you can use for industry codes and source of funds when creating business lines.

Industry codes list

As a financial institution, Adyen has a legal obligation to collect information about the line of business from your users. This is done by capturing industry codes. You are required to provide industry codes for your users when requesting business accounts.

These codes can represent the industry in which the user is registered based on their local registry (for example, chamber of commerce or secretary of state).

To submit this information to Adyen, make a POST /businessLines request. Select the industry code that most accurately represents the business activity of the user.

For some industries, Adyen requires approval before onboarding users. In this case, contact your Adyen Account Manager, Implementation Manager, or Support Team for further guidance.

After collecting industry codes, Adyen also makes this data available for you, in case you want to gain insights on your users.

Industry codes have been mapped to merchant category codes (MCCs) and adapted based on our internal regulations. We only accept the following values listed below for industry codes.

Source of funds list

Only applicable for business accounts and card issuing.

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

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

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

banking for business accounts
issuing for card issuing

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

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

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