{"title":"User application and interface","category":"default","creationDate":1702379340,"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>Platforms must provide a user interface that includes the following:<\/p>\n<ul>\n<li><strong>Product request:<\/strong> Let the user request any of the financial services that the platform has agreed with Adyen to provide.<\/li>\n<li><strong>KYC:<\/strong> Provide required KYC information to Adyen as required under Adyen\u2019s customer due diligence procedures.<\/li>\n<li><strong>Agreements and Terms:<\/strong> Present all required agreements and user terms including bank disclosures and fees, as detailed in <a href=\"#customer-disclosure-and-consent-procedure\">Adyen\u2019s Customer Disclosure and Consent Procedure<\/a>.<\/li>\n<\/ul>\n<div class=\"notices green\">\n<p>If the platform is using <a href=\"\/platforms\/onboard-users#hosted-onboarding\">hosted onboarding<\/a>, KYC fields, agreements, and terms of service will be hosted by Adyen. If the platform is using Adyen\u2019s components in the UI, certain requirements may be embedded into the components provided by Adyen.  To learn more about the embedded requirements, see <a href=\"\/capital\/capital-components\">Capital components<\/a>.<\/p>\n<\/div>\n<ul>\n<li>\n<p><strong>User consent:<\/strong> Ensure that the user reads and accepts the required legal agreements, using language detailed in <a href=\"#customer-disclosure-and-consent-procedure\">Adyen\u2019s Customer Disclosure and Consent Procedure<\/a>:<\/p>\n<p><em>\u201cI have read and I accept these terms and confirm that I am a legal representative authorized to accept these terms on behalf of the company. I have taken notice of the privacy statement (www.adyen.com\/privacy-policy) and I consent to my (personal) data being used for the purposes described therein.\"<\/em><\/p>\n<\/li>\n<li>\n<p><strong>Terms and Conditions availability:<\/strong> Provide ongoing access to all the agreements that have been accepted by the user.<\/p>\n<\/li>\n<li>\n<p><strong>Account access:<\/strong> Provide the user, free of charge, with ongoing access to their Balance or Bank Account, Capital, or Issuing product to view transactions, fees and other account information, as provided by Adyen to the platform through API as detailed below.<\/p>\n<\/li>\n<li>\n<p><strong>Preselected options:<\/strong> The user interface must not include pre-selected options to indicate that the user has confirmed that they have read or understood the provided information concerning financial services.<\/p>\n<\/li>\n<li>\n<p><strong>Financial service provider:<\/strong> The user interface may not present the platform as a bank and should include a disclosure indicating Adyen as the financial services provider.<\/p>\n<ul>\n<li>(Ireland Only): For all products, the following wording in the interface must be used:<\/li>\n<\/ul>\n<p><em>\u201cWe work with Adyen N.V. to offer financial services. Adyen N.V., trading as Adyen, is authorised by De Nederlandsche Bank in the Netherlands and is regulated by the Central Bank of Ireland for consumer protection rules.\"<\/em><\/p>\n<\/li>\n<\/ul>\n<h2>Product-specific requirements<\/h2>\n<table>\n<thead>\n<tr>\n<th><strong>Service<\/strong><\/th>\n<th><strong>Terms<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Adyen for Platforms<\/td>\n<td>AfP Terms and Conditions<\/td>\n<\/tr>\n<tr>\n<td>Capital<\/td>\n<td><ul><li markdown=\"1\">Adyen Capital User Terms<\/li><li markdown=\"1\">Adyen\u2019s Privacy Statement<\/li><\/ul><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>User interface requirements<\/h2>\n<table>\n<thead>\n<tr>\n<th><strong>Service<\/strong><\/th>\n<th><strong>Interface requirements<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Adyen for Platforms<\/td>\n<td><ul><li markdown=\"1\">Balance overview (showing the total amount of funds paid into the user\u2019s account)<\/li><li markdown=\"1\">Transaction history (showing the date of the transaction, total value of the transaction, fees and unique payment ID).<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td>Capital<\/td>\n<td><ul><li markdown=\"1\">Capital Contract Type<\/li><li markdown=\"1\">Capital Balance and term, if applicable<\/li><li markdown=\"1\">Capital Fee (for Canada, must be shown as annual interest rate)<\/li><li markdown=\"1\">Capital Repayment Amount and repayment percentage; if applicable, the monthly threshold amount<\/li><li markdown=\"1\">If applicable, serving Adyen\u2019s offered alternative ways of paying off the financing<\/li><li markdown=\"1\">(Ireland only): The following statements must be displayed to the user in the Capital interface before the user becomes bound by the Capital contract:<ul><li markdown=\"1\">\"<em>As a borrower in a credit agreement, you may have rights and duties under the Credit Reporting Act 2013 (available <a href=\"https:\/\/www.irishstatutebook.ie\/eli\/2013\/act\/45\/enacted\/en\/html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">here<\/a>)<\/em>\".<\/li><li markdown=\"1\">\"<em>NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of \u20ac500 and above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.<\/em>\". Note, this notice must be displayed in bold, in a text box and in font size at least equal to that used for other information.)<\/li><\/ul><\/li><li markdown=\"1\">(Ireland only): The following information must be shown to the user in the Capital user interface before the user becomes bound by the Capital contract:<ul><li markdown=\"1\">Capital Balance (the total amount lent)<\/li><li markdown=\"1\">The length of time for which the loan offer is valid.<\/li><\/ul><\/li><li markdown=\"1\">(Ireland only): Before the user is bound by the Capital contract, the Capital interface must prompt the user to provide their consent with a tick box to the following statement:<\/br>\"<em>I understand the features of Capital and I wish to proceed.<\/em>\"<\/li><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Presenting financing offers<\/h3>\n<p>When presenting a financing offer to your users, include the following information:<\/p>\n<ul>\n<li><strong>Capital type<\/strong>: Clearly show the type of Capital offering, such as business loan to eligible users.<\/li>\n<li><strong>Capital proposal<\/strong>: Clearly show the Capital proposal, including all the fields that Adyen provides to you through our GET  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/balanceplatform\/latest\/get\/grantOffers\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/grantOffers<\/a> endpoint.<\/li>\n<li><strong>Repayment period<\/strong>: Specify that\n<ul>\n<li>For a business loan, the repayment period has a <strong>maximum term<\/strong>. This means that the repayment period is fixed and the business loan must be completely repaid before the period ends.\n<!-- * For a cash advance, the repayment period has an **expected term**. This means that the repayment period for a cash advance is flexible. --><\/li>\n<\/ul><\/li>\n<li><strong>How to request a financing offer<\/strong>: Enable users to request Capital on your interface. Clearly show that they must request the product before receiving any Capital proposal.<\/li>\n<\/ul>\n<p>The following image shows an example of how to present your Capital offers to your users.<\/p>\n<p><img alt=\"\" src=\"\/user\/pages\/reuse\/pfs-compliance\/user-interface\/additional-requirements-capital\/2.EFP-Capital-Demo-Offers.svg?decoding=auto&amp;fetchpriority=auto\" \/><\/p>\n<p>In this example, the interface:<\/p>\n<ul>\n<li>Explicitly shows whether the user is viewing offerings for a loan or cash advance.<\/li>\n<li>Shows all the Capital offerings available to your user.<\/li>\n<li>Uses a <span translate=\"no\"><strong>Request<\/strong><\/span> button to indicate the user how to request a Capital offering.<\/li>\n<li>Specifies the validity period of the offerings.<\/li>\n<\/ul>\n<h3>Presenting KYC interface and Terms of Service<\/h3>\n<p>To comply with KYC requirements and user agreements, include the following information in your interface:<\/p>\n<ul>\n<li><strong>KYC collection fields<\/strong>: Enable your users to submit KYC information for review by Adyen.<\/li>\n<li><strong>Relevant terms<\/strong>: When showing your user the details of their Capital offering proposal, you must include all the terms that are relevant for this proposal. For example, you should include:\n<ul>\n<li>The amount of the Capital funds.<\/li>\n<li>The total repayment amount.<\/li>\n<li>The repayment percentage.<\/li>\n<li>The fee for using the product. In Canada, you must show this fee as an annual interest rate.<\/li>\n<li>Adyen's alternative ways for repaying the financing, if applicable.<\/li>\n<\/ul><\/li>\n<li><strong>Capital user terms<\/strong>: Ensure that the user terms for Capital are available for and accepted by your users. Users must only accept the terms one time. In case of updates to the user terms, your platform must communicate these updates to your users.<\/li>\n<li><strong>Acceptance of Terms of Service<\/strong>: Enable your users to view and accept the <a href=\"\/capital\/terms-of-service\">Terms of Service<\/a> and conditions related to the Capital product. If you are not able to generate the required Terms of Service for your user, reach out to your Adyen contact. You must capture all acceptance information from the user.<\/li>\n<\/ul>\n<p>The following image shows an example of how to present terms and conditions to your users.<\/p>\n<p><img alt=\"\" src=\"\/user\/pages\/reuse\/pfs-compliance\/user-interface\/additional-requirements-capital\/3.EFP-Capital-Demo-Terms-conditions.svg?decoding=auto&amp;fetchpriority=auto\" \/><\/p>\n<p>In this example, the interface:<\/p>\n<ul>\n<li>Shows a <span translate=\"no\"><strong>Summary<\/strong><\/span> section that includes relevant terms, such as:\n<ul>\n<li>The amount of the financing<\/li>\n<li>The fees<\/li>\n<li>The terms of the repayment period<\/li>\n<li>The type of financing<\/li>\n<\/ul><\/li>\n<li>Shows the <span translate=\"no\"><strong>Terms and conditions<\/strong><\/span> for using the Capital product.<\/li>\n<li>Enables the user to accept the terms and conditions.<\/li>\n<li>Specifies that accepting the terms and conditions in your interface is equivalent to signing a contract.<\/li>\n<\/ul>\n<h3>Presenting insights into Capital funds<\/h3>\n<p>Your interface must provide access to the following information:<\/p>\n<ul>\n<li><strong>Capital disbursement<\/strong>: Inform your users in real time about the Capital funds that have been paid out to them, and about repayments of the Capital funds. <\/li>\n<li><strong>User insights<\/strong>: Enable your users to view, track, and monitor their Capital funds. This includes:\n<ul>\n<li>Capital balance<\/li>\n<li>Repayment requirements<\/li>\n<li>Repaid funds<\/li>\n<li>Capital term<\/li>\n<\/ul><\/li>\n<\/ul>\n<p>The following image shows an example of how to present Capital insights to your users.<\/p>\n<p><img alt=\"\" src=\"\/user\/pages\/reuse\/pfs-compliance\/user-interface\/additional-requirements-capital\/6.EFP-Capital-Demo-Capital-details.svg?decoding=auto&amp;fetchpriority=auto\" \/><\/p>\n<p>The example shows a page that enables users to monitor their Capital funds and repayments. You can get your user's Capital funds information from Adyen's API by:<\/p>\n<ul>\n<li>Making a GET  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfers\/latest\/get\/grants\/(id)\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/grants\/{id}<\/a> request.<\/li>\n<li>Subscribing to our <a href=\"\/development-resources\/webhooks\">webhooks<\/a>.<\/li>\n<\/ul>\n<h3>Protecting your Capital information<\/h3>\n<p>Your Capital user interface must be protected against unauthorized access and security breaches. You must implement reasonable security measures according to industry practices. For example, your application must:<\/p>\n<ul>\n<li>Use unique and personal security credentials for login.<\/li>\n<li>Safely transmit personal security credentials.<\/li>\n<li>Validate the users' credentials when they request access.<\/li>\n<\/ul>\n<h2>Customer disclosure and consent procedure<\/h2>\n<p>This document outlines the Customer Disclosures and Consent Procedure of Adyen. It describes when and under what conditions Adyen makes disclosures and gains consent from its customers. This document is reviewed on an annual basis.<\/p>\n<p>This procedure encompasses disclosures and consents which Adyen presents to its customers;<\/p>\n<ol>\n<li>As part of Adyen's customer due diligence (CDD) process. This refers to the due diligence which Adyen performs on all customers as a result of Know Your Customer (KYC) obligations during onboarding or periodic review.<\/li>\n<li>As a result of regulatory obligations in the US which mandate that c certain disclosures and\/or consent, reflected in the relevant agreement(s), must be detailed within a procedure.<\/li>\n<\/ol>\n<p>This document does not encompass other legal disclosures and consents that Adyen may require as part of the agreements.<\/p>\n<h3>Legal Background<\/h3>\n<p>Adyen enters a contractual agreement with every user directly, or indirectly (through a platform). This agreement outlines the terms of use for Adyen\u2019s products and services.<\/p>\n<p>In addition to the terms of use, there is additional information that must be disclosed and\/or requires consent to\/from customers, due to local and\/or global regulatory obligations, outside of these agreements.<\/p>\n<p>This procedure differentiates between Disclosures and Consents.<\/p>\n<ul>\n<li>Disclosure: refers to mandatory information that must be disclosed to the customer, meaning that they must be made explicitly aware of that information prior - or during - the customer due diligence process;<\/li>\n<li>Consent: refers to provisions that the customer must explicitly consent to or certify. Consent must be freely given, informed and specific.<\/li>\n<\/ul>\n<h3>Applicability<\/h3>\n<p>This procedure applies to all entities with whom Adyen enters into a business relationship with or on whose behalf Adyen performs a transaction, or provides embedded finance solutions (hereinafter: \u2018customer\u2019).<\/p>\n<p>Consent can only be given to Adyen by natural persons type: Authorized Signatory. The identification and verification requirements of authorized signatories is described in Adyen\u2019s Natural Person Screening Procedure.<\/p>\n<p>The disclosures and consents presented to customers are based on the service line being utilized. Identification and verification requirements on service lines are described in Adyen\u2019s Service Line Screening Procedure.<\/p>\n<p>When a term is not defined in this procedure, please refer to the definitions stated in Adyen\u2019s Global AMLCFT and Sanctions Policy and related documents.<\/p>\n<h3>Methodology<\/h3>\n<p>Adyen discloses all disclosures and obtains all consents remotely through Adyen\u2019s Onboarding forms and\/or API\u2019s, all evidence of consents obtained must be retained.<\/p>","url":"https:\/\/docs.adyen.com\/capital\/user-interface","articleFields":{"description":"Learn about the compliance requirements for your user interface and application.","feedback_component":true,"id":"25142904","type":"page","parameters":{"directoryPath":"\/capital","model":"platform"},"_expandable":{"operations":""},"status":"current"},"algolia":{"url":"https:\/\/docs.adyen.com\/capital\/user-interface","title":"User application and interface","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\nPlatforms must provide a user interface that includes the following:\n\nProduct request: Let the user request any of the financial services that the platform has agreed with Adyen to provide.\nKYC: Provide required KYC information to Adyen as required under Adyen\u2019s customer due diligence procedures.\nAgreements and Terms: Present all required agreements and user terms including bank disclosures and fees, as detailed in Adyen\u2019s Customer Disclosure and Consent Procedure.\n\n\nIf the platform is using hosted onboarding, KYC fields, agreements, and terms of service will be hosted by Adyen. If the platform is using Adyen\u2019s components in the UI, certain requirements may be embedded into the components provided by Adyen.  To learn more about the embedded requirements, see Capital components.\n\n\n\nUser consent: Ensure that the user reads and accepts the required legal agreements, using language detailed in Adyen\u2019s Customer Disclosure and Consent Procedure:\n\u201cI have read and I accept these terms and confirm that I am a legal representative authorized to accept these terms on behalf of the company. I have taken notice of the privacy statement (www.adyen.com\/privacy-policy) and I consent to my (personal) data being used for the purposes described therein.\"\n\n\nTerms and Conditions availability: Provide ongoing access to all the agreements that have been accepted by the user.\n\n\nAccount access: Provide the user, free of charge, with ongoing access to their Balance or Bank Account, Capital, or Issuing product to view transactions, fees and other account information, as provided by Adyen to the platform through API as detailed below.\n\n\nPreselected options: The user interface must not include pre-selected options to indicate that the user has confirmed that they have read or understood the provided information concerning financial services.\n\n\nFinancial service provider: The user interface may not present the platform as a bank and should include a disclosure indicating Adyen as the financial services provider.\n\n(Ireland Only): For all products, the following wording in the interface must be used:\n\n\u201cWe work with Adyen N.V. to offer financial services. Adyen N.V., trading as Adyen, is authorised by De Nederlandsche Bank in the Netherlands and is regulated by the Central Bank of Ireland for consumer protection rules.\"\n\n\nProduct-specific requirements\n\n\n\nService\nTerms\n\n\n\n\nAdyen for Platforms\nAfP Terms and Conditions\n\n\nCapital\nAdyen Capital User TermsAdyen\u2019s Privacy Statement\n\n\n\nUser interface requirements\n\n\n\nService\nInterface requirements\n\n\n\n\nAdyen for Platforms\nBalance overview (showing the total amount of funds paid into the user\u2019s account)Transaction history (showing the date of the transaction, total value of the transaction, fees and unique payment ID).\n\n\nCapital\nCapital Contract TypeCapital Balance and term, if applicableCapital Fee (for Canada, must be shown as annual interest rate)Capital Repayment Amount and repayment percentage; if applicable, the monthly threshold amountIf applicable, serving Adyen\u2019s offered alternative ways of paying off the financing(Ireland only): The following statements must be displayed to the user in the Capital interface before the user becomes bound by the Capital contract:\"As a borrower in a credit agreement, you may have rights and duties under the Credit Reporting Act 2013 (available here)\".\"NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of \u20ac500 and above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.\". Note, this notice must be displayed in bold, in a text box and in font size at least equal to that used for other information.)(Ireland only): The following information must be shown to the user in the Capital user interface before the user becomes bound by the Capital contract:Capital Balance (the total amount lent)The length of time for which the loan offer is valid.(Ireland only): Before the user is bound by the Capital contract, the Capital interface must prompt the user to provide their consent with a tick box to the following statement:\"I understand the features of Capital and I wish to proceed.\"\n\n\n\nPresenting financing offers\nWhen presenting a financing offer to your users, include the following information:\n\nCapital type: Clearly show the type of Capital offering, such as business loan to eligible users.\nCapital proposal: Clearly show the Capital proposal, including all the fields that Adyen provides to you through our GET  \/grantOffers endpoint.\nRepayment period: Specify that\n\nFor a business loan, the repayment period has a maximum term. This means that the repayment period is fixed and the business loan must be completely repaid before the period ends.\n\n\nHow to request a financing offer: Enable users to request Capital on your interface. Clearly show that they must request the product before receiving any Capital proposal.\n\nThe following image shows an example of how to present your Capital offers to your users.\n\nIn this example, the interface:\n\nExplicitly shows whether the user is viewing offerings for a loan or cash advance.\nShows all the Capital offerings available to your user.\nUses a Request button to indicate the user how to request a Capital offering.\nSpecifies the validity period of the offerings.\n\nPresenting KYC interface and Terms of Service\nTo comply with KYC requirements and user agreements, include the following information in your interface:\n\nKYC collection fields: Enable your users to submit KYC information for review by Adyen.\nRelevant terms: When showing your user the details of their Capital offering proposal, you must include all the terms that are relevant for this proposal. For example, you should include:\n\nThe amount of the Capital funds.\nThe total repayment amount.\nThe repayment percentage.\nThe fee for using the product. In Canada, you must show this fee as an annual interest rate.\nAdyen's alternative ways for repaying the financing, if applicable.\n\nCapital user terms: Ensure that the user terms for Capital are available for and accepted by your users. Users must only accept the terms one time. In case of updates to the user terms, your platform must communicate these updates to your users.\nAcceptance of Terms of Service: Enable your users to view and accept the Terms of Service and conditions related to the Capital product. If you are not able to generate the required Terms of Service for your user, reach out to your Adyen contact. You must capture all acceptance information from the user.\n\nThe following image shows an example of how to present terms and conditions to your users.\n\nIn this example, the interface:\n\nShows a Summary section that includes relevant terms, such as:\n\nThe amount of the financing\nThe fees\nThe terms of the repayment period\nThe type of financing\n\nShows the Terms and conditions for using the Capital product.\nEnables the user to accept the terms and conditions.\nSpecifies that accepting the terms and conditions in your interface is equivalent to signing a contract.\n\nPresenting insights into Capital funds\nYour interface must provide access to the following information:\n\nCapital disbursement: Inform your users in real time about the Capital funds that have been paid out to them, and about repayments of the Capital funds. \nUser insights: Enable your users to view, track, and monitor their Capital funds. This includes:\n\nCapital balance\nRepayment requirements\nRepaid funds\nCapital term\n\n\nThe following image shows an example of how to present Capital insights to your users.\n\nThe example shows a page that enables users to monitor their Capital funds and repayments. You can get your user's Capital funds information from Adyen's API by:\n\nMaking a GET  \/grants\/{id} request.\nSubscribing to our webhooks.\n\nProtecting your Capital information\nYour Capital user interface must be protected against unauthorized access and security breaches. You must implement reasonable security measures according to industry practices. For example, your application must:\n\nUse unique and personal security credentials for login.\nSafely transmit personal security credentials.\nValidate the users' credentials when they request access.\n\nCustomer disclosure and consent procedure\nThis document outlines the Customer Disclosures and Consent Procedure of Adyen. It describes when and under what conditions Adyen makes disclosures and gains consent from its customers. This document is reviewed on an annual basis.\nThis procedure encompasses disclosures and consents which Adyen presents to its customers;\n\nAs part of Adyen's customer due diligence (CDD) process. This refers to the due diligence which Adyen performs on all customers as a result of Know Your Customer (KYC) obligations during onboarding or periodic review.\nAs a result of regulatory obligations in the US which mandate that c certain disclosures and\/or consent, reflected in the relevant agreement(s), must be detailed within a procedure.\n\nThis document does not encompass other legal disclosures and consents that Adyen may require as part of the agreements.\nLegal Background\nAdyen enters a contractual agreement with every user directly, or indirectly (through a platform). This agreement outlines the terms of use for Adyen\u2019s products and services.\nIn addition to the terms of use, there is additional information that must be disclosed and\/or requires consent to\/from customers, due to local and\/or global regulatory obligations, outside of these agreements.\nThis procedure differentiates between Disclosures and Consents.\n\nDisclosure: refers to mandatory information that must be disclosed to the customer, meaning that they must be made explicitly aware of that information prior - or during - the customer due diligence process;\nConsent: refers to provisions that the customer must explicitly consent to or certify. Consent must be freely given, informed and specific.\n\nApplicability\nThis procedure applies to all entities with whom Adyen enters into a business relationship with or on whose behalf Adyen performs a transaction, or provides embedded finance solutions (hereinafter: \u2018customer\u2019).\nConsent can only be given to Adyen by natural persons type: Authorized Signatory. The identification and verification requirements of authorized signatories is described in Adyen\u2019s Natural Person Screening Procedure.\nThe disclosures and consents presented to customers are based on the service line being utilized. Identification and verification requirements on service lines are described in Adyen\u2019s Service Line Screening Procedure.\nWhen a term is not defined in this procedure, please refer to the definitions stated in Adyen\u2019s Global AMLCFT and Sanctions Policy and related documents.\nMethodology\nAdyen discloses all disclosures and obtains all consents remotely through Adyen\u2019s Onboarding forms and\/or API\u2019s, all evidence of consents obtained must be retained.","type":"page","locale":"en","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Capital","lvl2":"User application and interface"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/capital","lvl2":"\/capital\/user-interface"},"levels":3,"category":"","category_color":"","tags":["application","interface"]}}