---
title: "User application and interface"
description: "Learn about the compliance requirements for your user interface and application."
url: "https://docs.adyen.com/capital/user-interface"
source_url: "https://docs.adyen.com/capital/user-interface.md"
canonical: "https://docs.adyen.com/capital/user-interface"
last_modified: "2023-12-12T12:09:00+01:00"
language: "en"
---

# User application and interface

Learn about the compliance requirements for your user interface and application.

[View source](/capital/user-interface.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.

Platforms must provide a user interface that includes the following:

* **Product Request:** Let the user request any of the financial services that the platform has agreed with Adyen to provide.
* **KYC:** Provide required KYC information to Adyen as required under Adyen’s customer due diligence procedures.
* **Agreements and Terms:** Present all required agreements and user terms including bank disclosures and fees, as detailed in [Adyen’s Customer Disclosure and Consent Procedure](#customer-disclosure-and-consent-procedure).

If the platform is using [hosted onboarding](/platforms/onboard-users#hosted-onboarding), KYC fields, agreements, and terms of service will be hosted by Adyen. If the platform is using Adyen’s components in the UI, certain requirements may be embedded into the components provided by Adyen.

* **User consent:** Ensure that the user reads and accepts the required legal agreements, using language detailed in [Adyen’s Customer Disclosure and Consent Procedure](#customer-disclosure-and-consent-procedure):

  *“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."*

* **Terms and Conditions availability:** Provide ongoing access to all the agreements that have been accepted by the user.

* **Account 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 platformthrough API as detailed below.

* **Preselected 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.

* **Financial 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.

  * (Ireland Only): For all products, the following wording in the interface must be used:

  *“We 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."*

### Product-specific requirements

|                     |                                                                                                                     |
| ------------------- | ------------------------------------------------------------------------------------------------------------------- |
| **Service**         | **Terms**                                                                                                           |
| Adyen for Platforms | AfP Terms and Conditions                                                                                            |
| Bank Accounts       | * Adyen Business Bank Account Agreement - User Terms (Regional versions, if applicable)
* Adyen’s Privacy Statement |
| Card Issuing        | - Account Holder Terms (EU/US)
- Adyen’s Privacy Statement                                                          |
| Capital             | * Adyen Capital User Terms
* Adyen’s Privacy Statement                                                              |

### User interface requirements

|                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| ------------------- |   |
| **Service**         | **Interface requirements**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
| Adyen for Platforms | * Balance overview (showing the total amount of funds paid into the user’s account)
* Transaction history (showing the date of the transaction, total value of the transaction, fees and unique payment ID).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| Business Accounts   | - Balance overview

- Individual transaction information

- Sender and/or receiver reference

- IBAN (EU) Bank account number (US)

- BIC (EU)

- (EU only): Platforms need to provide users in the EU with a Depositor Information Sheet both before offering business accounts and thereafter annually. This information need to be provided as a PDF using the same language shown in the Depositor Information Sheet.

- User consent: Ensure that the user interface contains a confirmation for the user to confirm they have read and accepted the terms of the Depositor Information Sheet, using the following language: “*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](https://www.adyen.com/privacy-policy) and I consent to my (personal) data being used for the purposes described therein.*"

- (EU and UK only): Adyen is required to perform a service called verification of payee (EU) and confirmation of payee (UK) for payments made using an Adyen bank account. The verification/confirmation is usually performed by calling Adyen’s API built for this purpose. The platform’s user interface must display a notice to the user and the notice is four-fold as follows:

  * Match: A notice confirming that the account holder's name and IBAN match the information provided.
  * Partial Match: A notice indicating the name partially matches, which includes the correct recipient name for the sub-merchant to review.
  * No Match: A notice stating the names do not match, providing the sub-merchant with the option to cancel, edit, or continue with the transfer or adding the payee.
  * Service Not Supported: A warning that the verification service is not supported for the specific account, with the option to cancel, edit, or continue with the transfer or adding the payee.

- (UK only) BACS Direct Debits: Platforms that wish to offer Business Accounts that are enabled for BACS Direct Debits must ensure that their user interfaces facilitate the following: **Mandate management**

  * Clearly disclose that only paperless/electronic mandate creation is supported.

  * Embed the following functionalities for mandate management in the user interface:

    * Account holders can view all of their mandates, along with the date the mandate was created and the name/reference of the payee.

    * Account holders receive a notification when a new mandate has been created (sent before the first payment is collected) containing the following details:

      * Payee details (sort code, account number, name).
      * payer (i.e., account holder) details (sort code, account number, name).

    * Account holders can cancel mandates at any time and cancellations must be effective immediately and confirmed to the Account holder. To enable this, the platform must integrate with our mandate cancellation API. Platforms are required to call the API immediately after the cancellation, so Adyen can notify the payee.

    * Account holders can amend mandates at any time, and amendments must also be effective immediately.

  **Transaction overview**

  * Provide in the user interface a clear visibility of the transactions that have been debited from the account, with a reference to the mandate to which each payment relates.

  **Refund**

  * Allow the account holder to request a refund at any time. Account holders are entitled to a refund where there is an error in the direct debit payment. This can be done via a dedicated button in the user interface, or through customer support channels.

  * The platform is required to provide Adyen with the details of the refund claim on the same business day the claim is made. The following details of the transaction must be provided:

    * Amount
    * Crediting date
    * Payee details (sort code, account number, name)
    * Payer details (sort code, account number, name)
    * Reason for refund

- (US only): FDIC language must be presented the first time the Adyen business bank account is introduced in the UI.

- (US only): Regulation GG - Unlawful Internet Gambling Enforcement Act Certification: users requesting business bank accounts must be asked the following prior to the acceptance of the User Terms:

  * *Is the legal entity opening the business bank account engaged in internet gambling? \[Yes/No]*
  * Any \[Yes] response should not be able to proceed to open a business bank account. |
| Card Issuing        | * Account balance information/ Issued card balance information
* Account Transaction history/ Issued card Transaction histor
* (For Charge Cards): Card balance repayment method;
* Applicable fees, interest, and APR
* Card transaction dispute functionality;
* (US only): Equal Credit Opportunity Act disclosures must be presented with Capital Offers and Charge Card Applications
* (US only): The platform must notify users when their request for a Loan or Charge Card has been declined by Adyen (Lender of Record). The platform must use a method that allows for retained documentation of the notification (e.g., UI message, email, or verbal communication documented in a system of record with the date and time).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| Capital Interface   | - Capital Contract Type

- Capital Balance and term, if applicable

- Capital Fee (for Canada, must be shown as annual interest rate)

- Capital Repayment Amount and repayment percentage; if applicable, the monthly threshold amount

- If applicable, serving Adyen’s 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](https://www.irishstatutebook.ie/eli/2013/act/45/enacted/en/html))*".
  * "*NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 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.*"                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |

**

### Customer disclosure and consent procedure

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.

This procedure encompasses disclosures and consents which Adyen presents to its customers;

1. 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.
2. 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.

This document does not encompass other legal disclosures and consents that Adyen may require as part of the agreements.

#### Legal Background

Adyen enters a contractual agreement with every user directly, or indirectly (through a platform). This agreement outlines the terms of use for Adyen’s products and services.

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.

This procedure differentiates between Disclosures and Consents.

* 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;
* Consent: refers to provisions that the customer must explicitly consent to or certify. Consent must be freely given, informed and specific.

#### Applicability

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: ‘customer’).

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’s Natural Person Screening Procedure.

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’s Service Line Screening Procedure.

When a term is not defined in this procedure, please refer to the definitions stated in Adyen’s Global AMLCFT and Sanctions Policy and related documents.

#### Methodology

Adyen discloses all disclosures and obtains all consents remotely through Adyen’s Onboarding forms and/or API’s, all evidence of consents obtained must be retained.

## See also

* [Overview of compliance guidelines](/capital/compliance-guidelines)

- [Keeping records](/capital/keeping-records)
