{"title":"Registration as an intermediary in France","category":"default","creationDate":1776961627,"content":"<div class=\"notices yellow\">\n<p>The information in this page does <strong>not<\/strong> constitute legal advice. It only provides an overview of Adyen's compliance guidelines for financial products and Adyen for Platforms (referred to as the Compliance Guidelines). For additional, non-legal clarifications about this content, reach out to your Adyen contact.<\/p>\n<\/div>\n<p>The French Monetary and Financial Code (CMF) regards  your platform  as an <strong>intermediary<\/strong> if the following is true:<\/p>\n<ul>\n<li>You offer Adyen   to French users.<br \/>\n<strong>and<\/strong><\/li>\n<li>\n Your platform  is incorporated and registered in France. \n<\/li>\n<\/ul>\n<p>In France, intermediation is a regulated activity that requires you to register with <a href=\"https:\/\/www.orias.fr\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">ORIAS<\/a>, the organization that is in charge of the French registry of intermediaries in insurance, banking, and finance. <\/p>\n<h2>Requirements<\/h2>\n<p>Before you begin, take into account the following requirements and limitations.<\/p>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Requirement<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><strong>Integration type<\/strong><\/td>\n<td style=\"text-align: left;\">An <a href=\"\/pt\/adyen-for-platforms-model\/\">Adyen for Platforms<\/a> integration offering financial products.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Limitations<\/strong><\/td>\n<td style=\"text-align: left;\">Only applies when offering financial products to French users.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"professional-capacity\">Proof of professional capacity<\/h2>\n<p>When you register with ORIAS, you are required to provide proof of professional capacity of at least one of your organization's directors. <\/p>\n<p>The director's proof of professional capacity must show experience, a diploma, or training relevant for the financial products to be offered. This proof can be either of the following:<\/p>\n<ul>\n<li>A certificate of employment showing at least six months of experience in the past two years with providing similar financial products.<\/li>\n<li>A relevant diploma. This can be:\n<ul>\n<li>A diploma under the R\u00e9pertoire National des Certifications Professionnelles (RNCP) category NSF 122, 128, 313, or 314, levels 7 to 5. <\/li>\n<li>A diploma from a business school registered with the French Ministry of Education. <\/li>\n<li>A similar foreign diploma officially recognized by <a href=\"https:\/\/www.france-education-international.fr\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">France Education International<\/a>.<\/li>\n<\/ul><\/li>\n<li>A certificate from an <a href=\"https:\/\/www.data.gouv.fr\/fr\/datasets\/liste-publique-des-organismes-de-formation-l-6351-7-1-du-code-du-travail\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">approved training organization<\/a> showing at least 20 hours of training in the financial products to be offered.<\/li>\n<\/ul>\n<p>The director should not be subject to:<\/p>\n<ul>\n<li>The convictions mentioned in Article L500-1 of the CMF: convictions for a felony, a sentence of imprisonment, or a suspended imprisonment of six months or more for certain listed offences.<\/li>\n<li>Disciplinary sanctions no. 3 or 7 mentioned in Article L612-41 of the CMF: a prohibition to carry out certain intermediation operations and any other limitations in the exercise of this activity, or a prohibition of intermediation activities.<\/li>\n<\/ul>\n<h2>Register as an intermediary<\/h2>\n<p>To be allowed to offer Adyen , you have to register with ORIAS as a:<\/p>\n<ul>\n<li><strong>Level I IOBSP intermediary<\/strong> if your Nomenclature des Activit\u00e9s Fran\u00e7aises (NAF) code is <a href=\"https:\/\/www.insee.fr\/fr\/metadonnees\/nafr2\/sousClasse\/64.19Z\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">NAF 64.19 Z<\/a> or <a href=\"https:\/\/www.insee.fr\/fr\/metadonnees\/nafr2\/sousClasse\/64.92z\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">NAF 64.92 Z<\/a><\/li>\n<li><strong>Level II IOBSP intermediary<\/strong> if your NAF code is <a href=\"https:\/\/www.insee.fr\/fr\/metadonnees\/nafr2\/sousClasse\/66.22Z\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">NAF 66.22Z<\/a> or <a href=\"https:\/\/www.insee.fr\/fr\/metadonnees\/cpfr21\/sousCategorie\/66.19.99\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">NAF 66.19.99<\/a>.<\/li>\n<li><strong>Level III IOBSP intermediary<\/strong> if the above NAF codes do not apply.<\/li>\n<\/ul>\n<p>It usually takes less than two months for ORIAS to validate and accept your registration. After your initial registration as an intermediary, you must renew your registration every year before it expires.<\/p>\n<ol>\n<li>\n<p>Gather the following documents (in PDF, JPG, or PNG format), which you will need to upload to ORIAS in a later step:<\/p>\n<ul>\n<li>\n<p>Proof of registration with the French Chamber of Commerce. This is referred to as a <strong>kbis extract<\/strong>. The extract must be less than three months old.<\/p>\n<\/li>\n<li>\n<p><a href=\"#professional-capacity\">Proof of professional capacity<\/a> of at least one of your organization's directors.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>If you do not have an ORIAS account yet, create an account on the <a href=\"https:\/\/www.orias.fr\/public\/enregistrement\/index\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">ORIAS website<\/a>, selecting <strong>Personne morale<\/strong> and providing the details of one of your organization's directors.<\/p>\n<\/li>\n<li>\n<p>Log in to your ORIAS account and proceed as follows:<\/p>\n<ol>\n<li>Select the category <strong>Activit\u00e9 IOB<\/strong> and the subcategory <strong>Mandataire non-exclusif en op\u00e9rations de banque et en services de paiement<\/strong>.<\/li>\n<li>Select the following:\n<ul>\n<li><strong>Je d\u00e9clare que l'on ne me confie pas de fonds<\/strong> to indicate that no funds are entrusted to you.<\/li>\n<li><strong>Accessoire<\/strong> to indicate that offering  is not your organization's primary activity.<\/li>\n<li><strong>Oui<\/strong>. <\/li>\n<\/ul><\/li>\n<li>Provide the kbis extract and the proof of professional capacity of one of your organization's directors.<\/li>\n<li>Provide Adyen with your SIREN number and legal name so that Adyen can issue your <strong>Attestation de Mandat<\/strong> (mandate) and send it to you.<br \/>\nYou can resume the registration process on the ORIAS website when you have received the mandate.<\/li>\n<li>Upload your <strong>Attestation de Mandat<\/strong> to ORIAS.<\/li>\n<li>Pay the fees.<\/li>\n<\/ol>\n<div class=\"notices green\">\n<p>For questions about the registration you can contact ORIAS directly at <a href=\"mailto:contact@orias.fr\" class=\"mailto\">contact@orias.fr<\/a>.<\/p>\n<\/div>\n<\/li>\n<li>\n<p>When you receive a confirmation by email that ORIAS has approved your registration, add the following disclaimer on the website where you offer Adyen :<\/p>\n<div class=\"fingerpost output-inline\">\n<div class=\"fingerpost__link fingerpost__link--large\" style=\"overflow:hidden;background-color:DEDCDC;\"><div class=\"fingerpost__body\"><div style=\"text-align: left;\"><p>[YOUR ORGANIZATION], soci\u00e9t\u00e9 immatricul\u00e9e au R.C.S de [XXXX] sous le num\u00e9ro [XXXXX], et inscrit au Registre unique des Interm\u00e9diaires en Assurance, Banque et Finance sous le num\u00e9ro d\u2019immatriculation [XXXXX] en qualit\u00e9 de Mandataire non exclusif en op\u00e9rations de banque et en services de paiement.<\/p><\/div><\/div><\/div><\/div>\n\n<\/li>\n<\/ol>\n<p>Do not forget to renew your registration every year.<\/p>\n<h2>See also<\/h2>\n<div class=\"see-also-links output-inline\" id=\"see-also\">\n<ul><li><a href=\"\/platforms\/compliance-financial-products\"\n                        target=\"_self\"\n                        >\n                    Compliance guidelines for financial products\n                <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/marketplaces\/compliance-financial-products\/french-intermediary","articleFields":{"description":"To be allowed to offer financial products to French users, register as an intermediary with ORIAS.","feedback_component":true,"type":"page","_expandable":{"operations":""},"filters_component":false,"parameters":{"directoryPath":"\/platforms","model":"platform"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/marketplaces\/compliance-financial-products\/french-intermediary","title":"Registration as an intermediary in France","content":"\nThe information in this page does not constitute legal advice. It only provides an overview of Adyen's compliance guidelines for financial products and Adyen for Platforms (referred to as the Compliance Guidelines). For additional, non-legal clarifications about this content, reach out to your Adyen contact.\n\nThe French Monetary and Financial Code (CMF) regards  your platform  as an intermediary if the following is true:\n\nYou offer Adyen   to French users.\nand\n\n Your platform  is incorporated and registered in France. \n\n\nIn France, intermediation is a regulated activity that requires you to register with ORIAS, the organization that is in charge of the French registry of intermediaries in insurance, banking, and finance. \nRequirements\nBefore you begin, take into account the following requirements and limitations.\n\n\n\nRequirement\nDescription\n\n\n\n\nIntegration type\nAn Adyen for Platforms integration offering financial products.\n\n\nLimitations\nOnly applies when offering financial products to French users.\n\n\n\nProof of professional capacity\nWhen you register with ORIAS, you are required to provide proof of professional capacity of at least one of your organization's directors. \nThe director's proof of professional capacity must show experience, a diploma, or training relevant for the financial products to be offered. This proof can be either of the following:\n\nA certificate of employment showing at least six months of experience in the past two years with providing similar financial products.\nA relevant diploma. This can be:\n\nA diploma under the R\u00e9pertoire National des Certifications Professionnelles (RNCP) category NSF 122, 128, 313, or 314, levels 7 to 5. \nA diploma from a business school registered with the French Ministry of Education. \nA similar foreign diploma officially recognized by France Education International.\n\nA certificate from an approved training organization showing at least 20 hours of training in the financial products to be offered.\n\nThe director should not be subject to:\n\nThe convictions mentioned in Article L500-1 of the CMF: convictions for a felony, a sentence of imprisonment, or a suspended imprisonment of six months or more for certain listed offences.\nDisciplinary sanctions no. 3 or 7 mentioned in Article L612-41 of the CMF: a prohibition to carry out certain intermediation operations and any other limitations in the exercise of this activity, or a prohibition of intermediation activities.\n\nRegister as an intermediary\nTo be allowed to offer Adyen , you have to register with ORIAS as a:\n\nLevel I IOBSP intermediary if your Nomenclature des Activit\u00e9s Fran\u00e7aises (NAF) code is NAF 64.19 Z or NAF 64.92 Z\nLevel II IOBSP intermediary if your NAF code is NAF 66.22Z or NAF 66.19.99.\nLevel III IOBSP intermediary if the above NAF codes do not apply.\n\nIt usually takes less than two months for ORIAS to validate and accept your registration. After your initial registration as an intermediary, you must renew your registration every year before it expires.\n\n\nGather the following documents (in PDF, JPG, or PNG format), which you will need to upload to ORIAS in a later step:\n\n\nProof of registration with the French Chamber of Commerce. This is referred to as a kbis extract. The extract must be less than three months old.\n\n\nProof of professional capacity of at least one of your organization's directors.\n\n\n\n\nIf you do not have an ORIAS account yet, create an account on the ORIAS website, selecting Personne morale and providing the details of one of your organization's directors.\n\n\nLog in to your ORIAS account and proceed as follows:\n\nSelect the category Activit\u00e9 IOB and the subcategory Mandataire non-exclusif en op\u00e9rations de banque et en services de paiement.\nSelect the following:\n\nJe d\u00e9clare que l'on ne me confie pas de fonds to indicate that no funds are entrusted to you.\nAccessoire to indicate that offering  is not your organization's primary activity.\nOui. \n\nProvide the kbis extract and the proof of professional capacity of one of your organization's directors.\nProvide Adyen with your SIREN number and legal name so that Adyen can issue your Attestation de Mandat (mandate) and send it to you.\nYou can resume the registration process on the ORIAS website when you have received the mandate.\nUpload your Attestation de Mandat to ORIAS.\nPay the fees.\n\n\nFor questions about the registration you can contact ORIAS directly at contact@orias.fr.\n\n\n\nWhen you receive a confirmation by email that ORIAS has approved your registration, add the following disclaimer on the website where you offer Adyen :\n\n[YOUR ORGANIZATION], soci\u00e9t\u00e9 immatricul\u00e9e au R.C.S de [XXXX] sous le num\u00e9ro [XXXXX], et inscrit au Registre unique des Interm\u00e9diaires en Assurance, Banque et Finance sous le num\u00e9ro d\u2019immatriculation [XXXXX] en qualit\u00e9 de Mandataire non exclusif en op\u00e9rations de banque et en services de paiement.\n\n\n\nDo not forget to renew your registration every year.\nSee also\n\n\n                    Compliance guidelines for financial products\n                \n","type":"page","locale":"pt","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Marketplaces","lvl2":"Compliance guidelines for financial products","lvl3":"Registration as an intermediary in France"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/marketplaces","lvl2":"https:\/\/docs.adyen.com\/pt\/marketplaces\/compliance-financial-products","lvl3":"\/pt\/marketplaces\/compliance-financial-products\/french-intermediary"},"levels":4,"category":"Marketplaces","category_color":"green","tags":["Registration","intermediary","France"]}}