Onboard and verify users

Your users' legal entity type and operating country determine the required verification information you need to collect from your users. You can use Adyen's Hosted onboarding or build your own UI to collect information from your users.
The timing of when you need to collect this information depends on the verification type that applies to your case. After Adyen receives the information, the verification process starts automatically.

You can choose from the following types of onboarding:

• Hosted onboarding: this option involves implementing fewer API calls and allows you to redirect the user to an Adyen page. On this page, Adyen manages the user onboarding flow and user interface (UI).
• API-only onboarding: with this option, you need to develop your own UI and make API calls to gather and send user data to Adyen. This onboarding type gives you complete control over the user journey within your platform's environment.

Hosted onboarding

Hosted onboarding is our recommended solution for collecting the information needed to onboard your users. This option requires less effort to set up because your users provide their information directly on a page hosted by Adyen. You only need to make a few API calls to the Legal Entity Management API (LEM API) to create legal entities and account holders for your users and redirect them to the Adyen-hosted page.

If necessary, you can customize the theme, the language, and the user permissions of the hosted onboarding page.

If your users need to sign PCI security questionnaires or accept Adyen's Terms of Service, these steps are included on the hosted onboarding page. You can configure the page settings to select the relevant PCI questionnaires for users to sign.

Instant bank account verification

For some locations and legal entity types, your users can choose to instantly verify their bank account details in your hosted onboarding page. They are prompted to log in to their online banking environment and confirm their account details. Their bank account is then verified within seconds without them needing to provide a bank statement.

See supported countries/regions

This feature is currently only available for the following locations and legal entity types.

Country/region	Individuals	Organizations
Austria
Belgium
Canada
Denmark
Estonia
Finland
France
Germany
Ireland
Italy
Latvia
Lithuania
Netherlands
Norway
Portugal
Poland
Spain
Sweden
United Kingdom
United States

To see an example of the entire hosted onboarding flow, you can watch a video here:

API-only onboarding

With API-only onboarding, you need to build the UI for your platform where you collect data from your users. You then need to submit the collected data to Adyen by making requests to the Legal Entity Management API and the Configuration API. You can onboard users operating in any of the countries and regions where Adyen for Platforms is supported.

To build your integration more quickly, you also can embed the Onboarding components into your UI to let your users enter their data. The component then uses the entered data to create the relevant resource. This means you do not need to make an API request to create the resource yourself.