Collect verification details

Before you start the verification process, you need to decide:

• When to collect information: all at once for upfront verification or as needed for staggered verification.
• How to collect information: Use Adyen's Hosted onboarding or build your own UI and collect information from your users.

After Adyen has received the information, we automatically conduct the required verification checks.

If you have a platform setup, your account holders are verified upfront by default because the capability to receive payments is automatically requested for them.

Upfront verification

In an upfront verification process, you collect all of the required information from your user and it is verified after you create an account holder. You will not need to ask them for additional information if their processed volume reaches a higher tier.

Staggered verification

In a staggered verification process, you collect additional required information from users only when needed. Verification tiers determine what additional information needs to be collected and verified by Adyen to enable or continue payouts for account holders. When an account holder processes a higher amount of funds than the limit of their current processing tier, they are moved to a higher tier.

This approach is faster as not all account holders will need to complete the full verification process. For example, account holders that only process smaller amounts will require fewer verification checks and can be paid out quickly.

When an account holder is moved to a higher tier, their payouts are temporarily disallowed until they complete additional verification checks. Adyen informs you of these changes and what data needs to be provided through webhooks. After your user provides the data and Adyen verifies it, their payouts are allowed again.

Tiers

Tiers are determined by the account holder's country, legal entity, and processed amount. There are four tiers.

Note that processing volume is not the only factor in an account holder being moved to a higher tier. Triggered verification checks and requesting high-risk capabilities may result in account holders being moved to a higher tier.

For the following countries and regions, tiers for processed amounts are calculated based on their local currencies.

How to onboard your users

Select and follow a guide below to start the onboarding and verification process.