---
title: "User capabilities"
description: "Learn what capabilities your users can have in your marketplace"
url: "https://docs.adyen.com/marketplaces/verification-overview/capabilities"
source_url: "https://docs.adyen.com/marketplaces/verification-overview/capabilities.md"
canonical: "https://docs.adyen.com/marketplaces/verification-overview/capabilities"
last_modified: "2024-02-20T15:43:00+01:00"
language: "en"
---

# User capabilities

Learn what capabilities your users can have in your marketplace

[View source](/marketplaces/verification-overview/capabilities.md)

Every account holder has a list of capabilities that determine what they can do on your marketplace. You can edit a [capability's settings](#capability-settings) to change which actions the account holder has permission to do, for example, receive payments, send funds to a bank account, or [use certain financial products](#financial-product-capabilities).

In most cases, Adyen configures default capabilities for your business during the [design phase](/marketplaces/get-started#design-implementation). These capabilities are automatically requested for your users when you create account holders for them. If a user needs a specific capability that is not part of their default configuration, you must [request the additional capability](/marketplaces/manage-account-holders#request-capability).

It is possible that requesting additional capabilities prompts additional [KYC checks](/marketplaces/verification-overview) on your users.

## Capabilities

Depending on your settings, capabilities are requested automatically for new account holders, or you have to request them separately when needed.

| Capability name                   | Display name in Customer Area           | Description                                                                                                                                                                                                                                                  |   |
| --------------------------------- | --------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | - |
| **receiveFromBalanceAccount**     | Receive funds from balance accounts     | Allows users to receive funds from other balance accounts in your platform. This capability is only required if the balance accounts are not under the same account holder.                                                                                  |   |
| **receiveFromTransferInstrument** | Receive funds from transfer instruments | Allows users to receive funds from verified bank accounts. This capability is only required if the account holder uses the [top-up balance account feature](/marketplaces/top-up-balance-account). Requesting this capability triggers upfront verification. |   |
| **receiveFromPlatformPayments**   | Receive funds from split payments       | Allows users to receive funds from [split payments](/marketplaces/process-payments).                                                                                                                                                                         |   |
| **sendToBalanceAccount**          | Send funds to balance accounts          | Allows users to [transfer funds to other balance accounts](/marketplaces/internal-fund-transfers) in your platform. This capability is only required if the balance accounts are not under the same account holder.                                          |   |
| **sendToTransferInstrument**      | Send funds to transfer instruments      | Allows users to transfer funds to verified bank accounts. For example, when [paying out to your users](/marketplaces/managed-payouts).                                                                                                                       |   |

## Financial product capabilities

If your business offers [financial products](/marketplaces/verification-requirements#financial-products), your users can access additional capabilities related to the respective financial products.

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

### Tab: Business account

If your business offers [business bank accounts](/marketplaces/verification-requirements?tab=business-accounts_1), your users can get the following capabilities:

| Capability name           | Display name in Customer Area                | Description                                                                                                                                            |
| ------------------------- | -------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------ |
| **issueBankAccount**      | Issue bank accounts                          | Allows users to have an [Adyen business bank account](/marketplaces/business-accounts).                                                                |
| **receiveFromThirdParty** | Receive funds from third-party bank accounts | Allows users to receive funds from third-party bank accounts. This capability is enabled by default when they have an **issueBankAccount** capability. |
| **sendToThirdParty**      | Send funds to third-party bank accounts      | Allows users to send funds to third-party bank accounts. This capability is enabled by default when they have an **issueBankAccount** capability.      |

### Tab: Card issuing

If your business [issues debit cards](/marketplaces/verification-requirements?tab=issuing_2), your users can get the following capabilities:

| API name                                 | Display name in Customer Area                   | Description                                                                                                                                                                                                                                                                                                                                     |
| ---------------------------------------- | ----------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **issueCard**                            | Issue cards for payments                        | Allows users to have an [Adyen-issued card](/issuing/create-cards).                                                                                                                                                                                                                                                                             |
| **useCard**                              | Use cards for payments                          | Allows users to use an [Adyen-issued card](/issuing/create-cards).                                                                                                                                                                                                                                                                              |
| **withdrawFromAtm**                      | Withdraw cash from ATMs                         | Allows users to withdraw cash from ATMs. This capability has [levels](#capability-levels).                                                                                                                                                                                                                                                      |
| **withdrawFromAtmInRestrictedCountries** | Withdraw cash from ATMs in restricted countries | Allows users to withdraw cash from ATMs in restricted countries. This capability has [levels](#capability-levels).                                                                                                                                                                                                                              |
| **receiveFromTransferInstrument**        | Receive funds from transfer instruments         | Allows users to receive funds from verified bank accounts.                                                                                                                                                                                                                                                                                      |
| **sendToTransferInstrument**             | Send funds to transfer instruments              | Allows users to transfer funds to verified bank accounts from balance accounts. From LEM API v3, this capability is verified at the level of the transfer instrument. This means, for example, that transfers are possible to a verified card independently of the verification status of other transfer instruments that the legal entity has. |
| **useCardInRestrictedCountries**         | Use cards for payments in restricted countries  | Allows users to use an [Adyen-issued card](/issuing/create-cards) to pay for goods and services in restricted countries. This capability has [levels](#capability-levels).                                                                                                                                                                      |
| **useCardInRestrictedIndustries**        | Use cards for payments in restricted industries | Allows users to use an [Adyen-issued card](/issuing/create-cards) to pay for goods and services from restricted industries. This capability has [levels](#capability-levels).                                                                                                                                                                   |
| **sendToBalanceAccount**                 | Send funds to balance accounts                  | Allows users to [transfer funds to other balance accounts](/marketplaces/internal-fund-transfers) in your marketplace. This capability is only required if the balance accounts are not under the same account holder.                                                                                                                          |
| **receiveFromBalanceAccount**            | Receive funds from balance accounts             | Allows users to receive funds from other balance accounts in your marketplace. This capability is only required if the balance accounts are not under the same account holder.                                                                                                                                                                  |

### Capability levels

Capabilities for card issuing can also have different levels: low, medium, or high. Levels increase the capability, but may also require more checks and increased monitoring. Adyen runs checks based on the requested capability and the capability level.

The amounts below are the threshold amounts per card, per day.

| API name                                 | Display name in Customer Area                   | Low level | Medium level                   | High level                               |
| ---------------------------------------- | ----------------------------------------------- | --------- | ------------------------------ | ---------------------------------------- |
| **withdrawFromAtm**                      | Withdraw cash from ATMs                         | 0         | Less than or equal to EUR 750  | More than EUR 750 and less than EUR 1500 |
| **withdrawFromAtmInRestrictedCountries** | Withdraw cash from ATMs in restricted countries | 0         | Less than or equal to EUR 500  | More than EUR 500 and less than EUR 1000 |
| **useCardInRestrictedCountries**         | Use cards for payments in restricted countries  | 0         | Less than or equal to EUR 1500 | Greater than EUR 1500                    |
| **useCardInRestrictedIndustries**        | Use cards for payments in restricted industries | 0         | Industry-specific limits apply | Industry-specific limits apply           |

### Tab: Capital

If your business offers [business financing](/marketplaces/verification-requirements#additional-requirements-for-financial-products), your users must have the following capabilities:

| Capability name    | Display name in Customer Area | Description                                                                                            |
| ------------------ | ----------------------------- | ------------------------------------------------------------------------------------------------------ |
| **getGrantOffers** | Receive grant offers          | Allows users to receive offers for business financing based on the volume of their payment processing. |
| **receiveGrants**  | Receive grants                | Allows users to receive business financing funds from Adyen.                                           |

## Verification status of a capability

Verification status of a capability indicates whether a user has passed [KYC checks](/marketplaces/verification-overview) and meets requirements to use a specific capability. To get updates about the verification status of a capability, you can:

* Listen to [balancePlatform.accountHolder.created](https://docs.adyen.com/api-explorer/#/balanceplatform-webhooks/latest/post/balancePlatform.accountHolder.created) and [balancePlatform.accountHolder.updated](https://docs.adyen.com/api-explorer/#/balanceplatform-webhooks/latest/post/balancePlatform.accountHolder.updated) webhooks
* Make a GET [/accountHolders/{id}](https://docs.adyen.com/api-explorer/#/balanceplatform/latest/get/accountHolders/{id}) request

Here are the possible values for the capability verification status.

| Status         | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| -------------- |   |
| `pending`[]()  | The `pending` status indicates that the verification is in progress. At this verification phase, a capability requested for the first time is set to [`requested` ](#requested): **true** and [`allowed` ](#allowed): **false**. If the capability has already been allowed, but some [user data has changed](/marketplaces/verification-overview#when-users-change-their-data) and needs to be verified, you may see that the capability verification status is `pending` and the capability is [`allowed` ](#allowed): **true**. This means that the user is still allowed to use capability while Adyen performs the checks.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
| `valid`[]()    | The `valid` status indicates that the verification is successfully completed and that the user meets the requirements to use a capability. With this verification status, the user can use the capability. Adyen sets the capability to [`allowed` ](#allowed): **true**.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| `invalid`[]()  | The `invalid` status indicates that the verification failed, for example due to incorrect information or missing documents. In this case, the webhook or the API response contains the [problems](https://docs.adyen.com/api-explorer/balanceplatform/latest/get/accountHolders/\(id\)#responses-200-capabilities-problems) object, including the `verificationErrors`, `subErrors`, and `remediatingActions` arrays returned on the linked legal entity. If there are [verification errors](/marketplaces/kyc-verification-codes), you must resolve them. With this verification status, Adyen sets the capability to [`allowed` ](#allowed): **false**. This means the user is not permitted to use the capability until all verification errors are resolved and the verification process is completed successfully. If any [user data changes or is missing](/marketplaces/verification-overview#when-users-change-their-data) after the previous verification has been completed successfully, Adyen reverts the capability verification status to `invalid`. In such a scenario, the user must provide the necessary information within a specific deadline. During this period, the user can continue using the capability, and its setting remains as [`allowed` ](#allowed): **true**. |
| `rejected`[]() | The `rejected` status indicates that Adyen completed verification, but the user does not meet the requirements to use a capability based on the submitted information. This status is final and any errors cannot be resolved by updating data or uploading documents. With this verification status, Adyen prohibits the user from performing the action and sets the capability to [`allowed` ](#allowed): **false**.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |

## Capability settings

The settings of a capability determine if it is available to a user and they can use it. To get updates about the capability settings, you can:

* Listen to [balancePlatform.accountHolder.created](https://docs.adyen.com/api-explorer/#/balanceplatform-webhooks/latest/post/balancePlatform.accountHolder.created) and [balancePlatform.accountHolder.updated](https://docs.adyen.com/api-explorer/#/balanceplatform-webhooks/latest/post/balancePlatform.accountHolder.updated) webhooks
* Make a GET [/accountHolders/{id}](https://docs.adyen.com/api-explorer/#/balanceplatform/latest/get/accountHolders/{id}) request. The API response contains the [capabilities](https://docs.adyen.com/api-explorer/balanceplatform/latest/get/accountHolders/_id_#responses-200-capabilities) object that shows whether the capability is `requested`, `allowed`, and `enabled`. Below are the explanations for each setting.

| Setting         | Possible values     | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
| --------------- | ------------------- |   |
| [`requested`]() | **true**, **false** | true: the capability has been requested. Default capabilities are requested automatically when you create an account holder. You can also request additional capabilities by including this setting in your API request.&#xA;&#xA;&#xA;&#xA;&#xA;false: the capability has not been requested yet.                                                                                                                                                                                                                                                                                                                             |
| [`allowed`]()   | **true**, **false** | true: the verification is successful and the user is permitted to use the capability. The capability can only be used when it is both allowed and enabled.&#xA;&#xA;In some scenarios, such as when a user changes their information, the capability is set to true while the verification status is pending or invalid . The user must provide updated information within the given deadline. During the deadline, the user can still use the capability while Adyen verifies the data.&#xA;&#xA;&#xA;&#xA;&#xA;false: the verification is pending , invalid , or rejected . The user is not permitted to use the capability. |
| [`enabled`]()   | **true**, **false** | This setting allows you to [manage your users’ access to capabilities](/marketplaces/manage-account-holders/?tab=ah-customer-area_2#deactivate-capability). Changing this setting does not trigger verification checks or prevent a capability from being requested. Note that this capability can only be used if it is both enabled and allowed. Set to **true** to offer the capability to the user. Set to **false** to prevent them from using the capability.                                                                                                                                                            |

## See also

* [View capabilities](/marketplaces/manage-account-holders/#view-capabilities)
* [Request a capability](/marketplaces/manage-account-holders/#request-capability)
* [Enable or disable a capability](/marketplaces/manage-account-holders/#deactivate-capability)
