{"title":"User capabilities","category":"default","creationDate":1671721620,"content":"

Every account holder has a list of capabilities that determine what they can do on your platform. You can edit a capability's settings<\/a> to change which actions the account holder has permission to do, for example, receive payments, send funds to a bank account, or use certain financial products<\/a>.<\/p>\n

In most cases, Adyen configures default capabilities for your business during the design phase<\/a>. These capabilities are automatically requested for your users when you create account holders for them. If a user needs a specific capability that is not part of their default configuration, you must request the additional capability<\/a>. <\/p>\n

\n

It is possible that requesting additional capabilities prompts additional KYC checks<\/a> on your users. <\/p>\n<\/div>\n

Capabilities<\/h2>\n

Depending on your settings, capabilities are requested automatically for new account holders, or you have to request them separately when needed.<\/p>\n\n\n\n\n\n\n\n\n\n\n
Capability name<\/div><\/th>\n
Display name in Customer Area<\/div><\/th>\n
Description<\/div><\/th>\n<\/tr>\n<\/thead>\n
receiveFromBalanceAccount<\/strong><\/td>\nReceive funds from balance accounts<\/td>\nAllows users to receive funds from other balance accounts in your platform. <\/br>This capability is only required if the balance accounts are not under the same account holder.<\/td>\n<\/tr>\n
receiveFromTransferInstrument<\/strong><\/td>\nReceive funds from transfer instruments<\/td>\nAllows users to receive funds from verified bank accounts. <\/br>This capability is only required if the account holder uses the top-up balance account feature<\/a>. Requesting this capability triggers upfront verification.<\/td>\n<\/td>\n<\/tr>\n
receiveFromPlatformPayments<\/strong><\/td>\nReceive funds from split payments<\/td>\nAllows users to receive funds from split payments<\/a>.<\/td>\n<\/td>\n<\/tr>\n
receivePayments<\/strong><\/td>\nReceive payments<\/td>\nAllows users to receive payments using a payment method<\/a>.<\/td>\n<\/td>\n<\/tr>\n
sendToBalanceAccount<\/strong><\/td>\nSend funds to balance accounts<\/td>\nAllows users to transfer funds to other balance accounts<\/a> in your platform. <\/br>This capability is only required if the balance accounts are not under the same account holder.<\/td>\n<\/tr>\n
sendToTransferInstrument<\/strong><\/td>\nSend funds to transfer instruments<\/td>\nAllows users to transfer funds to verified bank accounts. For example, when paying out to your users<\/a>.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Financial product capabilities<\/h2>\n

If your business offers financial products<\/a>, your users can access additional capabilities related to the respective financial products.<\/p>\n

The following tabs show the capabilities corresponding for each financial product, with corresponding names in the Customer Area and the API. Depending on your capability settings, these capabilities are either requested automatically for new account holders, or you have to request them separately when needed.<\/p>\n\n

\n
\n \n <\/tabs>\n <\/div>\n<\/div>\n\n

Verification status of a capability<\/h2>\n

Verification status of a capability indicates whether a user has passed KYC checks<\/a> and meets requirements to use a specific capability. To get updates about the verification status of a capability, you can:<\/p>\n