---
title: "Pricing and eligibility"
description: "Learn how to disclose prices, fees, and requirements for Capital."
url: "https://docs.adyen.com/business-accounts/compliance-guidelines/pricing-and-eligibility"
source_url: "https://docs.adyen.com/business-accounts/compliance-guidelines/pricing-and-eligibility.md"
canonical: "https://docs.adyen.com/business-accounts/compliance-guidelines/pricing-and-eligibility"
last_modified: "2024-01-10T12:09:00+01:00"
language: "en"
---

# Pricing and eligibility

Learn how to disclose prices, fees, and requirements for Capital.

[View source](/business-accounts/compliance-guidelines/pricing-and-eligibility.md)

The 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.

To offer business accounts to your users, you must clearly explain to them:

* [The pricing information of the service](#pricing)
* [The eligibility requirements to use the service](#eligibility)

## Pricing

In addition to the Adyen supplied agreements, the platform’s terms of service and fee schedule must clearly outline the fees and terms that the platform implements as part of the services program.

* (EU and US only) Any increase to user fees charged for an Adyen product must be disclosed to the affected users in writing at least 30 days before the increased fee takes effect.

* (UK only) Any increase to user fees charged for an Adyen product must be disclosed to the affected users in writing at least 60 days before the increased fee takes effect.

### Product-specific requirements

#### Adyen for Platforms

* Disclosure of fees: the platform may charge the user additional fees provided those fees are disclosed to the user in advance of enrollment in the product.
  * Foreign Exchange (FX): platforms must provide users with a sufficiently clear presentation of costs so that they understand the FX rate and any associated fees both at the point the user confirms they want to convert funds, and in any statement for the period or in a transaction overview in the UI. For additional examples, see the Foreign Exchange Fees section.
* Cost and Fee Access: all fees and costs must remain available on request of the user.
* (Only for UK) Reasonable Fees: All fees and costs must be reasonable and appropriate.

#### Issuing and Bank Accounts

* Disclosure of fees: the platform may charge the user additional fees provided those fees are disclosed to the user in advance of enrollment in the product.
* Pre-Approval of fees: all fees and costs user is charged by the platform shall be notified to and agreed with Adyen in advance of enrollment in the product.
* Cost and Fee Access: all fees and costs must remain available on request of the user.
* Reasonable Fees: All fees and costs must be reasonable, appropriate and in line with the actual costs of the platform’s services.

#### Business Accounts (EU & UK)

* No additional fees for instant payments: the platforms may not impose fees for instant payments which are higher than fees for regular payments. Instant and regular payments must be subject to the same pricing.

#### Capital

The platform may not charge directly or indirectly additional fees to the user for Adyen Capital. Fees may also not be discounted without prior written approval from Adyen.

## Eligibility

In general, the platforms must not be applying additional eligibility criteria for bank accounts, Capital, and Issuing beyond Adyen’s defined requirements. However, if a Platform has additional eligibility requirements for their users to request accounts, Capital or issued cards, those requirements should be submitted to Adyen for review that they have been properly disclosed to the user.

Requirements:

* Disclosure of requirements: the platform must clearly disclose any platform-specific eligibility requirements to users before offering the product to them.
* Reasonable eligibility requirements: Platform specific eligibility requirements must not be discriminatory, unfair, or deceptive.

### Pricing onboarding questionnaire (UK only)

In order to assess whether the proposed fees by the platformare reasonable, the platforms are required to respond to the following questions when onboarding

| Order for question | Question                                                                                                                                                                                                                                                                                                                                                                                                |                                                           |   |   |
| ------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------- | - | - |
| 1.                 | Provide a detailed description of the pricing model and the fees (description + amount) you charge your customer for using your Platform/services.  Outline the expected total price to be paid by a customer. This should include a breakdown of any product or feature fees, fixed/variable fees, subscriptions, commissions, service charges, penalty fees, lock-ins or other fees by the customer.  | * Adyen for Platforms
* Bank Accounts;
* Card Issuing;    |   |   |
| 2.                 | Do you charge a specific fee for the payment processing services offered by Adyen? If yes please indicate the amount.                                                                                                                                                                                                                                                                                   | - Adyen for Platforms                                     |   |   |
| 3                  | If yes to #3 - Are you charging a blended or interchange fee model? If so, how do you determine which pricing model is offered to whom? (for example, the annual volume is greater than a certain GBP total or by request)                                                                                                                                                                              | * Adyen for Platforms                                     |   |   |
| 4.                 | What are the parameters/criteria you base your rate on? What determines where a merchant’s pricing falls within those parameters/criteria?                                                                                                                                                                                                                                                              | - Adyen for Platforms                                     |   |   |
| 5.                 | What is your pricing strategy for Business Accounts?  Describe whether you charge for account opening, a monthly account fee, execution of payment transactions, etc.                                                                                                                                                                                                                                   | * Bank Accounts                                           |   |   |
| 6.                 | What is your pricing strategy for Card Issuing product?  Describe whether you charge any fee per card issued, per transaction, etc.                                                                                                                                                                                                                                                                     | - Card Issuing                                            |   |   |
| 7.                 | Do you charge any specific fees for foreign exchange services?                                                                                                                                                                                                                                                                                                                                          | * Adyen for Platforms/li>
* Bank Accounts;
* Card Issuing |   |   |
| 8.                 | What, if any, discounts, incentives, or promotions, specifically in relation to Adyen's services?                                                                                                                                                                                                                                                                                                       | - Adyen for Platforms/li>
- Bank Accounts;
- Card Issuing |   |   |
| 9.                 | What, if any, processes do you have in place for reviewing pricing for existing customers? If applicable, please describe the frequency and review process.                                                                                                                                                                                                                                             | * Adyen for Platforms/li>
* Bank Accounts;
* Card Issuing |   |   |
| 10.                | How do you ensure your pricing strategy is fair and transparent?  Explain how you internally assess fairness in pricing (e.g., competitive research, customer research/feedback, regulatory caps, A/B-testing,...).                                                                                                                                                                                     | - Adyen for Platforms/li>
- Bank Accounts;
- Card Issuing |   |   |
| 11.                | How do you communicate pricing information to customers to ensure clarity and understanding?  Explain the methods used to disclose fees, ensuring customers are fully informed before purchase. Where available, provide copies of such communication.                                                                                                                                                  | * Adyen for Platforms/li>
* Bank Accounts;
* Card Issuing |   |   |

## See also

* [Overview of compliance guidelines](/business-accounts/compliance-financial-products)
