{"title":"Compliance guidelines for financial products","category":"default","creationDate":1702312860,"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>To offer financial products to users in your platform, you must follow Adyen's guidelines for topics like your user interface (UI), communications, and reporting. These guidelines are required for your platform and Adyen to remain compliant with financial regulations.<\/p>\n<p>Further guidance on the Compliance Guidelines is available in Adyen\u2019s <a href=\"\/pt\/platforms\/compliance-financial-products\/platform-compliance.pdf\">Platform Compliance Guidelines Best Practices and Templates<\/a>. Specifically, this document provides guidance on the following:<\/p>\n<ul>\n<li>the form of materials that may be accepted to demonstrate compliance with each section of the Guidelines;<\/li>\n<li>best practices for drafting policies that are required under the Guidelines; and<\/li>\n<li>best practices for handling customer complaints, along with suggested templates to be used for responding to complaints.<\/li>\n<\/ul>\n<h2>Financial products<\/h2>\n<p>The information in this compliance guide applies to platforms through which Adyen offers the following services:<\/p>\n<ul>\n<li><a href=\"\/pt\/business-accounts\">Business accounts<\/a><\/li>\n<li><a href=\"\/pt\/issuing\">Issuing<\/a><\/li>\n<li><a href=\"\/pt\/capital\">Capital<\/a><\/li>\n<li><a href=\"\/pt\/platforms\/process-payments\">Processing payments with Adyen for Platforms<\/a><\/li>\n<\/ul>\n<h2>Overview of guidelines<\/h2>\n<p>The table in this section shows an overview of the compliance requirements that your platform must meet for each topic, and the financial products that the requirements apply to.<\/p>\n<p>After your financial product offering is approved by Adyen, before publishing and distributing any new materials related to financial products, you <strong>must<\/strong> (where pre-approval of the relevant material is required under the Compliance Guidelines):<\/p>\n<ol>\n<li>Submit the materials to Adyen for review and pre-approval by sending an email to <strong>merchantkyc@adyen.com<\/strong>.<\/li>\n<li>Update the materials to reflect any further changes requested by Adyen (if applicable).<\/li>\n<li>Re-submit the materials to Adyen for approval (if applicable).<\/li>\n<\/ol>\n<div class=\"sc-notice note\"><div>\n<p>Note that you also are required to provide materials for review:<\/p>\n<ul>\n<li>Annually<\/li>\n<li>For periodic review<\/li>\n<li>Upon Adyen's request\n<\/div><\/div><\/li>\n<\/ul>\n<p>Select the links in the table for detailed guidelines for each topic.<\/p>\n<div class=\"sticky-table-container\">\n    \n<table>\n    <colgroup>\n       <col span=\"1\" style=\"width: 30%;\">\n       <col span=\"1\" style=\"width: 45%;\">       <col span=\"1\" style=\"width: 25%;\">    <\/colgroup>\n    <thead>\n        <tr>\n            <th>Topic<\/th>\n            <th>Compliance requirements<\/th>            <th>Applies to<\/th>        <\/tr>\n    <\/thead>\n    <tbody>\n        <tr>\n            <td>\n<p><b> <a href=\"\/platforms\/compliance-financial-products\/user-interface\">User application and interface<\/a><\/b><br><\/p>\n<\/td>\n            <td>\n                Your user application and interface must:\n                <ul>\n                    <li>\n<p>Not present your platform as a bank.<\/p>\n<\/li>\n                    <li>\n<p>Enable your users to request financial products.<\/p>\n<\/li>\n                    <li>\n<p>Collect KYC information and send it to Adyen.<\/p>\n<\/li>\n                    <li>\n<p>Show and provide access to the required agreements and user terms.<\/p>\n<\/li>\n                    <li>\n<p>Collect consent from your users.<\/p>\n<\/li>\n                    <li>\n<p>Show and provide access to the accepted agreements and user terms.<\/p>\n<\/li>\n                    <li>\n<p>Enable your users to view and access information regarding their financial products.<\/p>\n<\/li>                    <li>\n<p>For UK and EU users: display a notice indicating whether a successful confirmation\/verification of payee has been completed after the user has entered the payment details.<\/p>\n<\/li>\n                    <li>\n<p>For EU users: provide a Depositor Information Sheet.<\/p>\n<\/li>                <\/ul>\n            <\/td>            <td>\n                <ul>\n                    <li>\n<p>Business accounts<\/p>\n<\/li>\n                    <li>\n<p>Capital<\/p>\n<\/li>\n                    <li>\n<p>Issuing<\/p>\n<\/li>\n                    <li>\n<p>AfP<\/p>\n<\/li>\n                <\/ul>\n            <\/td>        <\/tr>        <tr>\n            <td>\n<p><b><a href=\"\/platforms\/compliance-financial-products\/account-statements\">Account statements<\/a><\/b><br><\/p>\n<\/td>\n            <td>\n                Your account statements must:\n                <ul>\n                    <li>\n<p>Follow templates approved by Adyen.<\/p>\n<\/li>\n                    <li>\n<p>Contain all the data provided by Adyen.<\/p>\n<\/li>\n                    <li>\n<p>Include the contact information of your business.<\/p>\n<\/li>\n                <\/ul>\n            <\/td>            <td>\n                <ul>\n                    <li>\n<p>Business accounts<\/p>\n<\/li>\n                    <li>\n<p>Issuing<\/p>\n<\/li>\n                <\/ul>\n            <\/td>        <\/tr>        <tr>\n            <td>\n<p><b> <a href=\"\/platforms\/compliance-financial-products\/marketing-user-communication\">Marketing and communication with users<\/a><\/b><\/p>\n<\/td>\n            <td>\n                Ensure that this material:\n                <ul>\n                    <li>\n<p>Follows Adyen's guidelines for collateral materials.<\/p>\n<\/li>\n                    <li>\n<p>Is approved by Adyen.<\/p>\n<\/li>\n                    <li>\n<p>Discloses Adyen as the provider of financial products.<\/p>\n<\/li>\n                <\/ul>\n            <\/td>            <td>\n                <ul>\n                    <li>\n<p>Business accounts<\/p>\n<\/li>\n                    <li>\n<p>Capital<\/p>\n<\/li>\n                    <li>\n<p>Issuing<\/p>\n<\/li>\n                    <li>\n<p>AfP<\/p>\n<\/li>\n                <\/ul>\n            <\/td>        <\/tr>\n        <tr>\n            <td>\n<p><b> <a href=\"\/platforms\/compliance-financial-products\/customer-service-support\">Customer service and support<\/a><\/b><br><\/p>\n<\/td>\n            <td>\n                Provide to your users:\n                <ul>\n                    <li>\n<p>Guidance on how to get support.<\/p>\n<\/li>\n                    <li>\n<p>First and second lines of support.<\/p>\n<\/li>\n                    <li>\n<p>Access to support channels.<\/p>\n<\/li>\n                    <li>\n<p>Critical support 24\/7 for specific notifications.<\/p>\n<\/li>\n                <\/ul>\n            <\/td>            <td>\n                <ul>\n                    <li>\n<p>Business accounts<\/p>\n<\/li>\n                    <li>\n<p>Capital<\/p>\n<\/li>\n                    <li>\n<p>Issuing<\/p>\n<\/li>\n                    <li>\n<p>AfP<\/p>\n<\/li>\n                <\/ul>\n            <\/td>        <\/tr>\n        <tr>\n            <td>\n<p><b> <a href=\"\/platforms\/compliance-financial-products\/customer-complaints\">Customer complaints<\/a><\/b><br><\/p>\n<\/td>\n            <td>\n                When receiving a complaint, you must:\n                <ul>\n                    <li>\n<p>Acknowledge and respond to the complaint.<\/p>\n<\/li>\n                    <li>\n<p>Escalate security, legal, and regulatory complaints to Adyen.<\/p>\n<\/li>\n                    <li>\n<p>Submit quarterly complaint reports to Adyen.<\/p>\n<\/li>\n                <\/ul>\n            <\/td>            <td>\n                <ul>\n                    <li>\n<p>Business accounts<\/p>\n<\/li>\n                    <li>\n<p>Capital<\/p>\n<\/li>\n                    <li>\n<p>Issuing<\/p>\n<\/li>\n                    <li>\n<p>AfP<\/p>\n<\/li>\n                <\/ul>\n            <\/td>        <\/tr>\n        <tr>\n            <td>\n<p><b> <a href=\"\/platforms\/compliance-financial-products\/pricing-and-eligibility\">Pricing and eligibility<\/a><\/b><br><\/p>\n<\/td>\n            <td>\n                You must submit the following to Adyen for approval:\n                <ul>\n                    <li>\n<p>The fees and\/or credits for your users.<\/p>\n<\/li>\n                    <li>\n<p>Your eligibility criteria to allow users to request financial products.<\/p>\n<\/li>\n                <\/ul>\n            <\/td>            <td>\n                <ul>\n                    <li>\n<p>Business accounts<\/p>\n<\/li>\n                    <li>\n<p>Capital<\/p>\n<\/li>\n                    <li>\n<p>Issuing<\/p>\n<\/li>\n                    <li>\n<p>AfP<\/p>\n<\/li>\n                <\/ul>\n            <\/td>        <\/tr>\n        <tr>\n            <td>\n<p><b> <a href=\"\/platforms\/compliance-financial-products\/reporting-to-adyen\">Notification and reporting to Adyen<\/a><\/b><br><\/p>\n<\/td>\n            <td>\n                You must submit the following reports to Adyen:\n                <ul>\n                    <li>\n<p>Daily fraud report.<\/p>\n<\/li>\n                    <li>\n<p>Daily card status report.<\/p>\n<\/li>\n                    <li>\n<p>Quarterly complaint report.<\/p>\n<\/li>\n                <\/ul>\n            <\/td>            <td>\n                <ul>\n                    <li>\n<p>Business accounts<\/p>\n<\/li>\n                    <li>\n<p>Capital<\/p>\n<\/li>\n                    <li>\n<p>Issuing<\/p>\n<\/li>\n                    <li>\n<p>AfP<\/p>\n<\/li>\n                <\/ul>\n            <\/td>        <\/tr>\n        <tr>\n            <td>\n<p><b> <a href=\"\/platforms\/compliance-financial-products\/keeping-records\">Keeping records<\/a><\/b><br><\/p>\n<\/td>\n            <td>\n                For at least five years after the termination of the financial product offering, keep copies of the following:\n                <ul>\n                    <li>\n<p>Customer consent to open accounts.<\/p>\n<\/li>\n                    <li>\n<p>User interface.<\/p>\n<\/li>\n                    <li>\n<p>Account statements.<\/p>\n<\/li>\n                    <li>\n<p>Marketing materials and user communications.<\/p>\n<\/li>\n                <\/ul>\n            <\/td>            <td>\n                <ul>\n                    <li>\n<p>Business accounts<\/p>\n<\/li>\n                    <li>\n<p>Capital<\/p>\n<\/li>\n                    <li>\n<p>Issuing<\/p>\n<\/li>\n                    <li>\n<p>AfP<\/p>\n<\/li>\n                <\/ul>\n            <\/td>        <\/tr>\n        <tr>\n            <td>\n<p><b> <a href=\"\/platforms\/compliance-financial-products\/french-intermediary\">Registration as intermediary in France<\/a><\/b><br><\/p>\n<\/td>\n            <td>\n                When you are registered in France and offer financial products to French users, you must:\n                <ul>\n                    <li>\n<p>Register as an intermediary.<\/p>\n<\/li>\n                    <li>\n<p>Add a disclaimer on your website.<\/p>\n<\/li>\n                    <li>\n<p>Renew your registration as an intermediary every year.<\/p>\n<\/li>\n                <\/ul>\n            <\/td>            <td>\n                <ul>\n                    <li>\n<p>Business accounts<\/p>\n<\/li>\n                    <li>\n<p>Capital<\/p>\n<\/li>\n                    <li>\n<p>Issuing<\/p>\n<\/li>\n                <\/ul>\n            <\/td>        <\/tr>\n    <\/tbody>\n<\/table>\n\n<\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/platforms\/compliance-financial-products","articleFields":{"description":"Learn how to remain compliant with financial regulations when offering financial products in your platform.","feedback_component":true,"type":"page","parameters":{"directoryPath":"\/platforms","model":"platform"},"_expandable":{"operations":""},"status":"current","filters_component":false},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/platforms\/compliance-financial-products","title":"Compliance guidelines for financial products","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\nTo offer financial products to users in your platform, you must follow Adyen's guidelines for topics like your user interface (UI), communications, and reporting. These guidelines are required for your platform and Adyen to remain compliant with financial regulations.\nFurther guidance on the Compliance Guidelines is available in Adyen\u2019s Platform Compliance Guidelines Best Practices and Templates. Specifically, this document provides guidance on the following:\n\nthe form of materials that may be accepted to demonstrate compliance with each section of the Guidelines;\nbest practices for drafting policies that are required under the Guidelines; and\nbest practices for handling customer complaints, along with suggested templates to be used for responding to complaints.\n\nFinancial products\nThe information in this compliance guide applies to platforms through which Adyen offers the following services:\n\nBusiness accounts\nIssuing\nCapital\nProcessing payments with Adyen for Platforms\n\nOverview of guidelines\nThe table in this section shows an overview of the compliance requirements that your platform must meet for each topic, and the financial products that the requirements apply to.\nAfter your financial product offering is approved by Adyen, before publishing and distributing any new materials related to financial products, you must (where pre-approval of the relevant material is required under the Compliance Guidelines):\n\nSubmit the materials to Adyen for review and pre-approval by sending an email to merchantkyc@adyen.com.\nUpdate the materials to reflect any further changes requested by Adyen (if applicable).\nRe-submit the materials to Adyen for approval (if applicable).\n\n\nNote that you also are required to provide materials for review:\n\nAnnually\nFor periodic review\nUpon Adyen's request\n\n\nSelect the links in the table for detailed guidelines for each topic.\n\n    \n\n    \n       \n                  \n    \n        \n            Topic\n            Compliance requirements            Applies to        \n    \n    \n        \n            \n User application and interface\n\n            \n                Your user application and interface must:\n                \n                    \nNot present your platform as a bank.\n\n                    \nEnable your users to request financial products.\n\n                    \nCollect KYC information and send it to Adyen.\n\n                    \nShow and provide access to the required agreements and user terms.\n\n                    \nCollect consent from your users.\n\n                    \nShow and provide access to the accepted agreements and user terms.\n\n                    \nEnable your users to view and access information regarding their financial products.\n                    \nFor UK and EU users: display a notice indicating whether a successful confirmation\/verification of payee has been completed after the user has entered the payment details.\n\n                    \nFor EU users: provide a Depositor Information Sheet.\n                \n                        \n                \n                    \nBusiness accounts\n\n                    \nCapital\n\n                    \nIssuing\n\n                    \nAfP\n\n                \n                            \n            \nAccount statements\n\n            \n                Your account statements must:\n                \n                    \nFollow templates approved by Adyen.\n\n                    \nContain all the data provided by Adyen.\n\n                    \nInclude the contact information of your business.\n\n                \n                        \n                \n                    \nBusiness accounts\n\n                    \nIssuing\n\n                \n                            \n            \n Marketing and communication with users\n\n            \n                Ensure that this material:\n                \n                    \nFollows Adyen's guidelines for collateral materials.\n\n                    \nIs approved by Adyen.\n\n                    \nDiscloses Adyen as the provider of financial products.\n\n                \n                        \n                \n                    \nBusiness accounts\n\n                    \nCapital\n\n                    \nIssuing\n\n                    \nAfP\n\n                \n                    \n        \n            \n Customer service and support\n\n            \n                Provide to your users:\n                \n                    \nGuidance on how to get support.\n\n                    \nFirst and second lines of support.\n\n                    \nAccess to support channels.\n\n                    \nCritical support 24\/7 for specific notifications.\n\n                \n                        \n                \n                    \nBusiness accounts\n\n                    \nCapital\n\n                    \nIssuing\n\n                    \nAfP\n\n                \n                    \n        \n            \n Customer complaints\n\n            \n                When receiving a complaint, you must:\n                \n                    \nAcknowledge and respond to the complaint.\n\n                    \nEscalate security, legal, and regulatory complaints to Adyen.\n\n                    \nSubmit quarterly complaint reports to Adyen.\n\n                \n                        \n                \n                    \nBusiness accounts\n\n                    \nCapital\n\n                    \nIssuing\n\n                    \nAfP\n\n                \n                    \n        \n            \n Pricing and eligibility\n\n            \n                You must submit the following to Adyen for approval:\n                \n                    \nThe fees and\/or credits for your users.\n\n                    \nYour eligibility criteria to allow users to request financial products.\n\n                \n                        \n                \n                    \nBusiness accounts\n\n                    \nCapital\n\n                    \nIssuing\n\n                    \nAfP\n\n                \n                    \n        \n            \n Notification and reporting to Adyen\n\n            \n                You must submit the following reports to Adyen:\n                \n                    \nDaily fraud report.\n\n                    \nDaily card status report.\n\n                    \nQuarterly complaint report.\n\n                \n                        \n                \n                    \nBusiness accounts\n\n                    \nCapital\n\n                    \nIssuing\n\n                    \nAfP\n\n                \n                    \n        \n            \n Keeping records\n\n            \n                For at least five years after the termination of the financial product offering, keep copies of the following:\n                \n                    \nCustomer consent to open accounts.\n\n                    \nUser interface.\n\n                    \nAccount statements.\n\n                    \nMarketing materials and user communications.\n\n                \n                        \n                \n                    \nBusiness accounts\n\n                    \nCapital\n\n                    \nIssuing\n\n                    \nAfP\n\n                \n                    \n        \n            \n Registration as intermediary in France\n\n            \n                When you are registered in France and offer financial products to French users, you must:\n                \n                    \nRegister as an intermediary.\n\n                    \nAdd a disclaimer on your website.\n\n                    \nRenew your registration as an intermediary every year.\n\n                \n                        \n                \n                    \nBusiness accounts\n\n                    \nCapital\n\n                    \nIssuing\n\n                \n                    \n    \n\n\n\n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Platforms","lvl2":"Compliance guidelines for financial products"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/platforms","lvl2":"\/pt\/platforms\/compliance-financial-products"},"levels":3,"category":"Platforms","category_color":"green","tags":["Compliance","guidelines","financial","products"]},"articleFiles":{"platform-compliance.pdf":"<p alt=\"\">platform-compliance.pdf<\/p>"}}