---
title: "Determine the verification requirements"
description: "Learn what verification information you must collect from your users"
url: "https://docs.adyen.com/platforms/verification-requirements"
source_url: "https://docs.adyen.com/platforms/verification-requirements.md"
canonical: "https://docs.adyen.com/platforms/verification-requirements"
last_modified: "2023-11-06T16:56:00+01:00"
language: "en"
---

# Determine the verification requirements

Learn what verification information you must collect from your users

[View source](/platforms/verification-requirements.md)

To start the verification process, you must collect and submit the [required verification information](/platforms/onboard-users/onboarding-steps) from your user. These requirements depend on:

* [The country/region your users are operating in](#country-of-operation)
* [The legal entity of your user](#legal-entity-type)
* [The financial products you are offering to your user](#financial-products)

This page helps you determine what verification requirements apply to your users based on these factors.

## Requirements

If you have an [Adyen for Platforms](/adyen-for-platforms-model/) or [Adyen Issuing](/issuing) integration, there are no additional requirements, limitations, or preparations.

## Country/region of operation

Verification requirements vary based on the regulations in the country/region where your user is operating in. For example, in Belgium, a sole proprietorship is required to have a registration number, while this is not required in the United Kingdom.

See [minimum required information](/platforms/verification-requirements/required-kyc-information) for more details on the requirements for specific countries/regions and legal entities.

### Minimum age requirements for users

It is only possible to onboard minor users if you are using v3 or v4 of the [Legal Entity Management API](https://docs.adyen.com/api-explorer/legalentity/latest/overview). Reach out to your Adyen contact for more information.

Note that users under the age of 13 can never be onboarded. For users between the ages of 13 and 18, the following requirements apply based on their country of residency.

| Country/region of residency for user                                   | Age range       | Onboarding requirements                                                                                                   |
| ---------------------------------------------------------------------- | --------------- | ------------------------------------------------------------------------------------------------------------------------- |
| European Union (including Norway, Switzerland, and the United Kingdom) | 16-18 years old | Can be onboarded with a legal representative. The legal representative must also be onboarded as an authorised signatory. |
| Australia, Canada, United States                                       | 13-18 years old | Can be onboarded with a legal representative. The legal representative must also be onboarded as an authorised signatory. |
| Hong Kong and Singapore                                                | < 18 years old  | Cannot be onboarded.                                                                                                      |

Adyen requires the following information about the legal representative:

* First and last name

* Date of birth

* Full address for their location of residency

* Social Security Number (SSN), National ID number, or Identity number

* Their `relationship` to the user: `parent` or `guardian`

* A statement from the representative that they consent to the user's agreement to abide by Adyen's Terms of Service

* If Adyen cannot verify the legal representative's information based on the details provided, we may ask for a copy of their ID. This can then be uploaded through the Hosted Onboarding page or the Legal Entity Management API.

## Legal entity type

Verification requirements vary based on your user's legal entity type. A legal entity can be a person or an entity that represents your user's business, such as a public company or a nonprofit organization.

The user that holds a contractual relationship with your platform is the main legal entity. You must collect information about the main legal entity, and about other entities that are associated with this user. For example, if your user is a private company, you must also collect information about the owners of the company. You must create individual legal entities for each owner and link them to the company, which is the main legal entity that is conducting business with your platform.

**

### Supported legal entity types per country

| Country/Region | Individual                                                                                  | Organization                                                                                | Sole Proprietorship                                                                         | Trust                                                                                       | Unincorporated Partnership                                                                  |
| -------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Australia      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Austria        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Belgium        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Brazil         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Canada         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Croatia        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Czech Republic | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Denmark        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Estonia        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Finland        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| France         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Germany        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Hong Kong      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Hungary        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Ireland        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Italy          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Latvia         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Lithuania      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Luxembourg     | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Netherlands    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| New Zealand    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Norway         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Poland         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Portugal       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Romania        | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Singapore      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Slovakia       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Slovenia       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Spain          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Sweden         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Switzerland    | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| United Kingdom | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| United States  | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

The following tabs show the legal entity types and describe the general requirements for the data that you need to collect from them.

### Tab: Organization

The entity is an organization registered in the country/region they are operating in.

An organization is further classified into one the following types:

* **Private company:** the organization is in the private sector and is owned and run by directors.
* **Listed public company:** the organization is listed publicly and run by directors.
* **Nonprofit or charitable organization:** the organization has an official status as not-for-profit or tax-exempt, sometimes called a non-governmental organization (NGO).
* **Incorporated association:** the organization is a registered entity without profit that is organized around a purpose such as recreation, culture, or charity.
* **Incorporated partnership:** the organization is formed through an agreement between two or more members.
* **Governmental organization:** the organization is owned by the government or state.

In general, to onboard an organization, you must collect:

* The legal name of the organization
* The registration number
* The registered address and the principal place of business, if different from their registered address
* The ultimate beneficial owners, controllers, and signatories
* The bank account for payouts

### Ultimate beneficial owners, controlling persons, and signatories

As part of the checks for an organization, Adyen also verifies the identity of *all* individuals that are associated with the organization. We refer to these individuals as *ultimate beneficial owners (UBOs)* through ownership or control, *directors*, and *signatories*.

Organizations with UBOs, signatories, and directors that reside outside the current [supported countries and regions](/platforms/#supported-countries-regions) may require additional due diligence. Reach out to your Adyen contact to confirm if these individuals can be accepted. Some individuals may exceed Adyen's risk tolerance and therefore cannot be accepted.

The table below describes the criteria for identifying them, and the minimum required number for each.

| Who                    | Criteria                                                                                                                                                                                                                                                                                                 | Required number of individuals                                                                                                                                                                                |
| ---------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| UBOs through ownership | Individuals who directly or indirectly own 25% or more of the total shares, voting rights or other equity in the organization.                                                                                                                                                                           | Between *zero to four*. Adyen requires information about all individuals that fit the criteria. If no one owns 25% or more of the organization, then information must be provided about UBOs through control. |
| UBOs through control   | Any individuals who exercise ultimate effective control in making decisions for the whole organization. If such an individual cannot be identified, then members of senior management must be identified as UBOs through control.                                                                        | *At least one*. Required if no one fits the criteria of UBO through ownership, or if the organization is operating in the United States.                                                                      |
| Signatories            | Officers or representatives who legally represent the organization towards Adyen and are authorised to enter a binding agreement with Adyen on behalf of their organization.                                                                                                                             | *At least one*.                                                                                                                                                                                               |
| Directors              | Only applicable if the legal entity of the organization is located in Australia, Canada, Hong Kong, New Zealand, Singapore, or the United Kingdom. A natural person responsible, individually or collectively as part of a board, for the overall governance and strategic direction of an organization. | Canada: At least one director. Other applicable countries: Every director of the company.                                                                                                                     |

If required during onboarding, ID numbers can be provided for UBOs in the following countries/regions:

* Australia
* Brazil
* Canada
* Denmark
* Indonesia
* Italy
* Malaysia
* Netherlands
* New Zealand
* Philippines
* Poland
* Puerto Rico
* Romania
* Singapore
* Spain
* Sweden
* Thailand
* Turkey
* United States

### Tab: Individual

This legal entity type is only supported for payment facilitators.

The entity is an individual who is a citizen of one of the [supported countries/regions](/platforms#supported-countries-regions).

In general, to onboard an individual, you must collect their:

* Name and contact details
* Residential address
* Date of birth
* Identification number (if required)
* Bank account
* Job title, if the individual is a [UBO through control](/platforms/verification-requirements?tab=organization_1#identify-ubos) or a [signatory](/platforms/verification-requirements?tab=organization_1#identify-ubos) for an organization

### Tab: Sole proprietorship

The individual who holds a contractual relationship with your platform is a sole proprietor. A sole proprietor exclusively owns a business, and their business is registered in the country/region they are operating in.

In general, to onboard an individual and their sole proprietorship, you must collect:

* The name of the business
* The registered address, and the principal place of business if different from their registered address
* The country/region of governing law
* Their VAT number, if the business has a VAT registration
* Their registration number, if available.

### Tab: Trust

Trusts are currently only supported in Australia and New Zealand

The legal entity is a trust. A trust is further classified into the following types:

#### Trust types in Australia

* `cashManagementTrust`
* `corporateUnitTrust`
* `deceasedEstate`
* `discretionaryInvestmentTrust`
* `discretionaryServicesManagementTrust`
* `discretionaryTradingTrust`
* `firstHomeSaverAccountsTrust`
* `fixedTrust`
* `fixedUnitTrust`
* `hybridTrust`
* `listedPublicUnitTrust`
* `otherTrust`
* `pooledSuperannuationTrust`
* `publicTradingTrust`
* `unlistedPublicUnitTrust`

#### Trust types in New Zealand

* `businessTrust`
* `charitableTrust`
* `discretionaryTrust`
* `familyTrust`
* `otherTrust`

A trust is a relationship which exists where the trustee/s holds property or assets for the benefit of one or more beneficiaries.

![](/user/pages/reuse/pfs-verification/verification-requirements/landing-page/trust/trust-diagram.svg?decoding=auto\&fetchpriority=auto)

In general, to onboard a trust, you must collect the following:

* Full name of the trust.
* The type of trust.
* Tax information.
* Registered address.
* A constitutional document that proves the existence of the trust, such as a trust deed.
* Full names of the settlors, trustees, protectors, beneficiaries, and ultimate beneficial owners for the trust. If the settlor has an exemption reason, you must provide it when you [associate them to the trust](/platforms/onboard-users).

### Trust members

As part of the verification checks for a trust, Adyen also verifies the identity of individuals that are associated with the trust.

| Who                   | Criteria                                                                                                                                                                                                                 | Required number                                                              |
| --------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------- |
| Settlor               | The natural person that created the trust. A settlor is also known as a grantor or founder.                                                                                                                              | *At least one*.                                                              |
| Trustee               | The natural person or a corporate entity that can manage, employ, or dispose of the assets of the trust. This is done following the terms of the trust (trust deed) and the special legal duties imposed on the trustee. | All. Adyen requires information about all individuals that fit the criteria. |
| Protector             | The natural person appointed to direct the trustees in relation to their administration of the trust. This can also include custodians, nominees, managers, agents, appointers, or guardians.                            | Any. Adyen requires information about any individuals that fit the criteria. |
| Defined Beneficiary   | A natural person or corporate entity in whose interest the trust is principally constituted or operates.                                                                                                                 | All. Adyen requires information about all individuals that fit the criteria. |
| Undefined Beneficiary | A class or group of Beneficiaries that is not named, but defined in an ascertainable manner in the trust deed.                                                                                                           | Required if there is no Defined Beneficiary.                                 |
| UBOs through control  | Any individual who exercises ultimate effective control in making decisions for the trust. If such an individual cannot be identified, then members of senior management can be identified as UBOs through control.      | Optional                                                                     |

### Tab: Unincorporated partnership

Adyen supports the onboarding of both unincorporated and incorporated partnerships. This page outlines the requirements for **unincorporated partnerships**. For information on onboarding incorporated partnerships, please refer to the section about [organizations](/platforms/verification-requirements?tab=organization_0_1).

* **Incorporated Partnership**: A type of partnership that is considered a **legal entity** with a separate legal personality. It may enter into contracts, and can be held liable or sued. Incorporated partnerships must be registered with the Chamber of Commerce. Examples include: *Limited Liability Partnerships*.

* **Unincorporated Partnerships**: A type of partnership that is considered a **legal arrangement**. It is created through an agreement between two or more partners. It is not a separate legal entity, and as such, the partners are (partially) liable for its debts and obligations. It may or may not be registered with the Chamber of Commerce.

Depending on the location, the type of partnership may be considered incorporated or unincorporated. Please refer to this [section](/get-started-with-adyen/application-requirements/#unincorporated-partnership) for an overview of local names for unincorporated partnerships, and this [section](/get-started-with-adyen/application-requirements/#partnership) for an overview of local names for incorporated partnerships.

To onboard an unincorporated partnership, you must collect the following:

* Full name of the partnership
* The type of partnership
* Registration Number (must be provided if available)
* Tax information (VAT number must be provided if available)
* Registered address
* A constitutional document that proves the existence of the partnership, such as a partnership agreement
* Full details of the partners involved in the partnership

Unincorporated partnerships are currently only supported in the following countries/regions:

* Australia
* Belgium
* Canada
* Czech Republic
* France
* Germany
* Hong Kong
* Hungary
* Ireland
* Netherlands
* New Zealand
* Poland
* Romania
* Singapore
* Slovakia
* Spain
* Switzerland
* United Kingdom
* United States of America

### Partnership members

As part of the required due diligence process for a partnership, Adyen verifies the identity of individuals that are associated with the partnership. All partnership members must be associated to the partnership by making a PATCH [legalEntityId](https://docs.adyen.com/api-explorer/legalentity/latest/patch/legalEntities/\(id\)#request-entityAssociations-legalEntityId) request with the ID of the partnership in the path. Include an [entityAssociations](https://docs.adyen.com/api-explorer/legalentity/latest/patch/legalEntities/\(id\)#request-entityAssociations) array with the legal entity IDs of the partners with [type](https://docs.adyen.com/api-explorer/legalentity/latest/get/legalEntities/\(id\)#responses-200-entityAssociations-type) **secondaryPartner**.

Each partner in the partnership may hold an additional role. For example, a partner may also be considered an UBO Through Control or UBO Through Ownership. If a partner has an additional role, include it in the PATCH [legalEntityId](https://docs.adyen.com/api-explorer/legalentity/latest/patch/legalEntities/\(id\)#request-entityAssociations-legalEntityId) request with the role specified below. Partners can have varying degrees of involvement in the management and liability of the partnership's obligations. Partners typically have a legal and fiduciary duty to act in the best interest of the partnership and each other. The table below outlines the onboarding requirements for partners of unincorporated partnerships:

| Partner Type      | API Value             | Description                                                                                                                                                   | Requirement(s)                                                                                |
| ----------------- | --------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------- |
| Main partner      | `signatory`           | Partner that signs the contract with Adyen, they must be authorised to represent the partnership.                                                             | *At least one is always needed, as they enter into the contract with Adyen*.                  |
| Secondary partner | n/a                   | Additional partners that are responsible for the day-to-day management of the partnership (often general partners).                                           | *All additional partners that can influence the day-to-day activities of the partnership*.    |
| Secondary partner | `uboThroughControl`   | Partners that have a majority voting right, and that exercise ultimate effective control over the partnership.                                                | *Only needed when a partner has more control than others, through voting rights for example*. |
| Secondary partner | `uboThroughOwnership` | Partners that have 25% or more ownership of the partnership, they are often limited partners that do not partake in day-to-day management of the partnership. | *Only needed when a partner has 25% or more ownership of the partnership and/or its profits*. |

## Additional requirements for financial products

Verification requirements vary based on the additional financial products that you offer to your users. Processing payments and payouts are included by default. In some cases, additional financial products, such as business accounts, require more verification checks.

Each financial product includes specific [capabilities](/platforms/verification-overview/capabilities) that are available for your users. Different financial products might have overlapping capabilities. For some financial products, such as card issuing, capabilities might also have different levels.

The following tabs show the financial products and the general requirements for the data that you need to collect from them.

### Tab: Business accounts

##### Availability

**Countries**: BE, DE, ES, FR, GB, NL and US for both the user's legal entity and all individuals associated with the user's legal entity.\
**Legal entity types**: Organizations and sole proprietorships

With Adyen for Platforms, you can create a [business account](/business-accounts), which you can use to send and receive funds from third-party bank accounts. Business accounts require additional verification checks.

In addition to the [minimum required information](/platforms/verification-requirements/required-kyc-information) based on the country/region and legal entity type, you must also collect the following:

* [Industry](/platforms/verification-requirements/reference-additional-products/#list-industry-codes) in which the user is registered based on their local chamber of commerce
* URL of the user's website if they have an online presence
* The user's [source of funds](/platforms/verification-requirements/reference-additional-products#list-source-of-funds)
* For organizations, their [Foreign Account Tax Compliance Act (FATCA)/Common Reporting Standard (CRS) classification](/platforms/verification-requirements/reference-additional-products#list-fatca-crs), which includes their business type and their main source of income.
* Tax residence country and [ID number](/platforms/verification-requirements/data-formats-per-country). This is required for both organizations and the individuals associated with the organization, or the sole proprietorship owner.
* The user's source of wealth. Adyen determines if your user needs to provide data about their source of wealth and/or of the owners or controllers of the organization. If the source of wealth is required, Adyen will inform you.
* A [live selfie photo](/platforms/verification-requirements/document-requirements/#live-selfie-photo) and a [photo id](/platforms/verification-requirements/document-requirements/#photo-id-requirements). These are required for each signatory of an organization legal entity, or an individual legal entity owning a sole proprietorship. Adyen uses these documents to perform verification for your platform’s safety, and to help prevent onboarding of individuals attempting impersonation fraud.

**

#### Additional requirements for US business accounts

To create business accounts for your users in the US, you must include the following requirements in your onboarding flow. Adyen will check your onboarding flow to ensure that it meets the guidelines.

Business accounts are not available for governmental organizations in the US, including SOEs.

| Requirement                                                                | Overview                                                                                                                                                                                                                                                                                        | Copy                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | Timing                                                                                                                            |
| -------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |   | --------------------------------------------------------------------------------------------------------------------------------- |
| Patriot Act / Customer Identification Program (CIP) disclosure             | The disclosure and the reason for collecting the information must be shown to the account holder.                                                                                                                                                                                               | **Important Information You Need to Know About Opening an Account.** *To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or entity) who opens an account and certain individuals who are associated with an account. When you open an account, we will ask for your name, address, taxpayer identification number and other information that will allow us to identify you. What this means: When you open an account, we will ask for your name, address, taxpayer identification number and other information that will allow us to identify you.* | Must be shown before any personal information is collected from the user. For example, as the first part of your onboarding form. |
| Adyen Business Account Terms of Service                                    | Every account holder must accept Adyen's [Terms of Service](/platforms/onboard-users/terms-of-service) before the business account can be opened. A copy of the Terms of Service needs to be provided alongside the acceptance. See copy guidelines.                                            | *I 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.*                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                   |
| Regulation GG - Unlawful Internet Gambling Enforcement Act - Certification | Every account holder must be certified under the Regulation GG - Unlawful Internet Gambling Enforcement Act before the business account can be opened. A copy of Adyen's [Terms of Service](/platforms/onboard-users/terms-of-service) needs to be provided alongside the acceptance. See copy. | *Is the legal entity opening the business account engaged in internet gambling? \[Yes/No]*                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | This certification must be performed when the Adyen Terms of Service are accepted.                                                |

### Tab: Card issuing

##### Availability

**Countries**: The EEA, the UK, and the US\
**Legal entity types**: Organizations, sole proprietorships

With Adyen for Platforms, you can [issue debit cards](/issuing/create-cards) to your users.

In addition to the [minimum required information](/platforms/verification-requirements/required-kyc-information) based on the country/region and legal entity type, you must also collect the following:

* The user's VAT number or, if they are operating in a country/region that does not have VAT system, their tax ID.
* The user's [source of funds](/platforms/verification-requirements/reference-additional-products#list-source-of-funds)

### Capability levels

[Capabilities for card issuing](/issuing/verification-overview/capabilities#capabilities-for-card-issuing) can have different levels: low, medium, or high. Levels increase the capability, but may also require more checks and increased monitoring. The amounts below are the threshold amounts per card, per day.

| Capability                           | Low | Medium                        | High                                     |
| ------------------------------------ | --- | ----------------------------- | ---------------------------------------- |
| withdrawFromAtm                      | 0   | Less than or equal to EUR 750 | More than EUR 750 and less than EUR 1000 |
| withdrawFromAtmInRestrictedCountries | 0   | Less than or equal to EUR 500 | More than EUR 500 and less than EUR 1000 |
| useCardInRestrictedCountries         | 0   | Greater than 0                | Greater than 0                           |
| useCardInRestrictedIndustries        | 0   | Greater than 0                | Greater than 0                           |

### Tab: Capital

##### Availability

**Countries**: Available on an invite-only basis in the [supported countries/regions](/capital#supported-countriesregions).\
**Legal entity types**: Organizations, sole proprietorships

With Adyen for Platforms, you can build an embedded financing offering, which we call [Adyen Capital](/capital).

Due to proactive risk assessment and limited availability, Adyen Capital doesn't require any additional verification checks.

## Next steps

[required](/platforms/onboard-users)

[Onboard users](/platforms/onboard-users)

[Learn to move your users through the verification process](/platforms/onboard-users)
