---
title: "Reference for additional capabilities"
description: "Learn what additional information is required to offer financial products to your users, such as business accounts."
url: "https://docs.adyen.com/marketplaces/verification-requirements/reference-additional-products"
source_url: "https://docs.adyen.com/marketplaces/verification-requirements/reference-additional-products.md"
canonical: "https://docs.adyen.com/marketplaces/verification-requirements/reference-additional-products"
last_modified: "2023-12-06T13:50:00+01:00"
language: "en"
---

# Reference for additional capabilities

Learn what additional information is required to offer financial products to your users, such as business accounts.

[View source](/marketplaces/verification-requirements/reference-additional-products.md)

When creating legal entities and business lines, see the possible values for [FATCA/CRS](#list-fatca-crs), [industry codes](#list-industry-codes), and [source of funds](#list-source-of-funds).

## Requirements

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

## FATCA/CRS

Under [FATCA](<https://www.irs.gov/businesses/corporations/foreign-account-tax-compliance-act-fatca#:~:text=The Foreign Account Tax Compliance,to withholding on withholdable payments.>) and [CRS legislation](https://www.oecd-ilibrary.org/taxation/standard-for-automatic-exchange-of-financial-account-information-in-tax-matters-second-edition_9789264267992-en), Adyen NV as a licensed Dutch Financial Institution is legally required to both:

* Identify its financial account holders.
* Report details of reportable financial account holders to the relevant tax authorities.

To open a financial account with Adyen, you must provide additional information about yourself or your entity. To determine if your account is reportable under FATCA or CRS, Adyen requires a self-certified FATCA/CRS qualification. After you complete the self-certification, no further action is required unless your information changes.

FATCA/CRS self-certification is **not required** for US-based legal entities applying for US business bank accounts.

#### Decision tree

**Complete the self-certification process**

Follow these steps to confirm your status

**Is your business a privately owned company with the majority (50%) of the income coming from operational activities from the business itself?**

* **Self-certify as Active NF(F)E**

  Based on your answers, Adyen classifies your business as a non-financial business who receives the majority of its income through active income.

  Self-certify as `nonFinancialActive` and submit this information in your API request.

  For more information, visit our [website](https://help.adyen.com/en_US/knowledge/compliance/regulations/what-are-fatca-and-crs-and-do-they-affect-me)

  * **Choose your self-certification status**

    * Non-financial active: `nonFinancialActive` or
    * Non-financial passive: `nonFinancialPassive`

    Submit this information in your API request.

    * **Contact Adyen**

      If you are unsure about your classification status, contact Adyen for more information.

* **Is your business one of the following?**

  * Publicly listed entity
  * Subsidiary of a publicly listed entity
  * Governmental entity
  * International organization

  If yes, self-certify as `nonFinancialNonReportable`. Please submit the information in your API request.

  * **Global intermediary identification number**

    Look up your [Global Intermediary Identification Number](https://www.irs.gov/businesses/corporations/fatca-foreign-financial-institution-list-search-and-download-tool) (GIIN) that is assigned to you by the Internal Revenue Service (IRS).

    Self-certify as `financialNonReportable`. Submit this and your GIIN in your API request.

  * **What is the main source of income (>50 %) of your business?**

    | Source of income                            | Business classification               |
    | ------------------------------------------- | ------------------------------------- |
    | Operational activity from the business      | Self-certify as `nonFinancialActive`  |
    | Real estate sales                           | Self-certify as `nonFinancialActive`  |
    | Investments, stocks, interest, or royalties | Self-certify as `nonFinancialPassive` |
    | Income from property rental                 | Self-certify as `nonFinancialPassive` |

    * **Self-certification**

      You should self-certify as either:

      * `nonFinancialPassive`or
      * `nonFinancialActive`

      Submit this information in your API request. For more information, please visit our website: www\.adyen.com/fatca-crs

      If you do not agree with this classification, reach out to your contact for more information.

## Industry codes list

As a financial institution, Adyen has a legal obligation to collect information about the line of business from your users. This is done by capturing *industry codes*. You are required to provide industry codes for your users when requesting [business accounts](/business-accounts).

These codes can represent either:

* The industry that your user is operating in and uses Adyen to process their payments through your marketplace
* For business account users, the industry in which the user is registered based on their local registry (for example, chamber of commerce or secretary of state)

To submit this information to Adyen, make a POST [/businessLines](https://docs.adyen.com/api-explorer/legalentity/latest/post/businessLines) request. Select the industry code that most accurately represents the business activity of the user.

For some industries, Adyen requires approval before onboarding users. In this case, contact your Adyen Account Manager, Implementation Manager, or [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) for further guidance.

After collecting industry codes, Adyen also makes this data available for you, in case you want to gain insights on your marketplace users.

Industry codes have been mapped to merchant category codes (MCCs) and adapted based on our internal regulations. We only accept the following values listed below for industry codes.

To offer business accounts to users in *any new industries* that were not part of the previous approval process, you must contact your Adyen Account Manager or our Support Team.

### Tab: Approval needed

| Industry code | Description                                                                             |
| ------------- | --------------------------------------------------------------------------------------- |
| 3121A         | Alcoholic beverage manufacturing                                                        |
| 324           | Petroleum and coal products manufacturing                                               |
| 3254          | Pharmaceutical and medicine manufacturing                                               |
| 3259          | Other chemical product and preparation manufacturing                                    |
| 339A          | Jewelry, precious stone, precious metal and silverware manufacturing[ 1](#fn1)          |
| 339C          | Medical equipment and supplies manufacturing                                            |
| 42311         | Automobile and other motor vehicle merchant wholesalers[ 1](#fn1)                       |
| 42312         | Motor vehicle supplies and new parts merchant wholesalers                               |
| 42313         | Tire and tube merchant wholesalers[ 1](#fn1)                                            |
| 42314         | Motor vehicle parts (used) merchant wholesalers                                         |
| 42345         | Medical, dental, and hospital equipment and supplies merchant wholesalers               |
| 42394         | Jewelry, watch, precious stone, and precious metal merchant wholesalers[ 1](#fn1)       |
| 4242          | Drugs and druggists' sundries merchant wholesalers                                      |
| 4246          | Chemical and allied products merchant wholesalers                                       |
| 4247          | Petroleum and petroleum products merchant wholesalers                                   |
| 4248          | Beer, wine, and distilled alcoholic beverage merchant wholesalers                       |
| 44111         | New car dealers[ 1](#fn1)                                                               |
| 4411B         | Used cars - reputable dealers                                                           |
| 44132         | Tire dealers[ 1](#fn1)                                                                  |
| 4461A         | Nutraceutical stores (non-food)                                                         |
| 44611         | Pharmacies and drug stores                                                              |
| 44619A        | Food (Health) supplement stores (nutraceuticals, food) - regulated[ 2](#fn2)            |
| 446191        | Food (Health) supplement stores (nutraceuticals, food) - non-regulated                  |
| 44831         | Jewelry stores[ 1](#fn1)                                                                |
| 4453          | Beer, wine, and liquor stores                                                           |
| 452A          | Buying and shopping services and clubs                                                  |
| 4539B         | Stamp and coin stores                                                                   |
| 4539D         | Auction houses                                                                          |
| 45392         | Art dealers[ 1](#fn1)                                                                   |
| 45431         | Fuel dealers                                                                            |
| 487           | Scenic and sightseeing transportation[ 5](#fn5)                                         |
| 52231         | Mortgage and non-mortgage loan brokers                                                  |
| 524114        | Direct health and medical insurance carriers                                            |
| 52412         | Direct insurance (except life, health, and medical) carriers                            |
| 52413         | Reinsurance carriers                                                                    |
| 5242          | Agencies, brokerages, and other insurance related activities                            |
| 5311          | Lessors of real estate                                                                  |
| 5312          | Offices of real estate agents and brokers                                               |
| 5313          | Activities related to real estate                                                       |
| 5417A         | Ancestry research                                                                       |
| 56145         | Credit bureaus                                                                          |
| 5615          | Travel arrangement and reservation services                                             |
| 6211          | Office of physicians                                                                    |
| 6212          | Office of dentists                                                                      |
| 62131         | Office of chiropractors                                                                 |
| 62132         | Offices of optometrists                                                                 |
| 62133         | Offices of mental health practitioners                                                  |
| 62134         | Offices of physical, occupational and speech therapists, and audiologists               |
| 62139         | Offices of all other health practitioners                                               |
| 6215          | Medical and diagnostic laboratories                                                     |
| 6216          | Home health care services                                                               |
| 621A          | Commercial private health and e-doctor services                                         |
| 622           | Hospitals                                                                               |
| 623           | Nursing and residential care facilities                                                 |
| 711A          | Ticketing agencies                                                                      |
| 7211A         | Timeshares                                                                              |
| 7224          | Drinking places (alcoholic beverages)                                                   |
| 8129C         | Pseudo science services (astrology, psychokinesis, clairvoyance, fortune telling, etc.) |
| 81394         | Political organizations                                                                 |
| 921           | Executive, legislative, and other general government support                            |
| 922A          | Fines and penalties of any kind                                                         |
| 92219         | Other justice, public order, and safety activities                                      |
| 92B           | Other public administrations                                                            |

[]()1Only when average transaction value (ATV) is EUR 2000 or less.

[]()2Includes CBD, kava kava, baby formula, and baby food.

[]()5American Express is not supported for this industry code.

### Tab: No approval needed

| Industry code | Description                                                                                                 |
| ------------- | ----------------------------------------------------------------------------------------------------------- |
| 11            | Agriculture, forestry, fishing, and hunting                                                                 |
| 2211          | Electric power generation, transmission, and distribution                                                   |
| 2212          | Natural gas distribution                                                                                    |
| 2213          | Water, sewage, and other systems                                                                            |
| 23            | Construction & installation                                                                                 |
| 311           | Food manufacturing                                                                                          |
| 3121B         | Non-alcoholic beverage manufacturing                                                                        |
| 313           | Textile mills                                                                                               |
| 314           | Textile product mills                                                                                       |
| 315           | Apparel manufacturing                                                                                       |
| 316           | Leather and allied product manufacturing                                                                    |
| 321           | Wood product manufacturing                                                                                  |
| 322           | Paper manufacturing                                                                                         |
| 323           | Printing and related support activities                                                                     |
| 3255          | Paint, coating, and adhesive manufacturing                                                                  |
| 326           | Plastics and rubber products manufacturing                                                                  |
| 327           | Nonmetallic mineral product manufacturing                                                                   |
| 331           | Primary metal manufacturing                                                                                 |
| 332           | Fabricated metal product manufacturing                                                                      |
| 333           | Machinery manufacturing                                                                                     |
| 334           | Computer and electronic product manufacturing                                                               |
| 335           | Electrical equipment, appliance, and component manufacturing                                                |
| 336           | Transportation (equipment) manufacturing                                                                    |
| 337           | Furniture and related product manufacturing                                                                 |
| 339D          | Other miscellaneous durable goods manufacturing                                                             |
| 339E          | Other miscellaneous nondurable goods manufacturing                                                          |
| 4232          | Furniture and home furnishing merchant wholesalers                                                          |
| 4233          | Lumber and other construction materials merchant wholesalers                                                |
| 42341         | Photographic equipment and supplies merchant wholesalers                                                    |
| 42342         | Office equipment merchant wholesalers                                                                       |
| 42343         | Computer and computer peripheral equipment and software merchant wholesalers                                |
| 42344         | Other commercial equipment merchant wholesalers                                                             |
| 42349         | Other professional equipment and supplies merchant wholesalers                                              |
| 4235          | Metal and mineral (except petroleum) merchant wholesalers                                                   |
| 4236          | Household appliances, electrical, and electronic goods merchant wholesalers                                 |
| 4237          | Hardware, plumbing, and heating equipment and supplies merchant wholesalers                                 |
| 4238          | Machinery, equipment, and supplies merchant wholesalers                                                     |
| 42399         | Other miscellaneous durable goods merchant wholesalers                                                      |
| 4241          | Paper and paper products merchant wholesalers                                                               |
| 4243          | Apparel, piece goods, and notions merchant wholesalers                                                      |
| 4244          | Grocery and related products merchant wholesalers                                                           |
| 4245          | Farm product raw material merchant wholesalers                                                              |
| 42491         | Farm supplies merchant wholesalers                                                                          |
| 42492         | Book, periodical, and newspaper merchant wholesalers                                                        |
| 42493         | Flower, nursery stock, and florists' supplies merchant wholesalers                                          |
| 42495         | Paint, varnish, and supplies merchant wholesalers                                                           |
| 42499         | Other miscellaneous nondurable goods merchant wholesalers                                                   |
| 42511         | Business-to-business electronic markets                                                                     |
| 42512         | Wholesale trade agents and brokers                                                                          |
| 44121         | Recreational vehicle dealers                                                                                |
| 4412A         | Mobile home dealers                                                                                         |
| 4412B         | Utility trailer dealers                                                                                     |
| 441222        | Boat dealers                                                                                                |
| 441228        | Motorcycle, ATV, and all other motor vehicle dealers                                                        |
| 442A          | Furniture stores                                                                                            |
| 442B          | Home furnishings stores                                                                                     |
| 443141        | Household appliance stores                                                                                  |
| 443142        | Electronics stores                                                                                          |
| 4431A         | Computer software stores                                                                                    |
| 4431B         | Telecommunication Equipment and Telephone Stores                                                            |
| 44411         | Home centers                                                                                                |
| 44412         | Paint and wallpaper stores                                                                                  |
| 44413         | Hardware stores                                                                                             |
| 44419         | Other building material stores                                                                              |
| 4451          | Grocery stores, Supermarkets                                                                                |
| 4452          | Specialty food stores                                                                                       |
| 311811        | Bakeries                                                                                                    |
| 44612         | Cosmetics, beauty supplies, and perfume stores                                                              |
| 44613         | Optical goods store                                                                                         |
| 446199        | All other health and personal care stores                                                                   |
| 447           | Gasoline stations                                                                                           |
| 44811         | Men's clothing stores                                                                                       |
| 44812         | Women's clothing stores                                                                                     |
| 4481A         | Men's and Women's clothing stores                                                                           |
| 44813         | Children's and Infants' clothing stores                                                                     |
| 44814         | Family clothing stores                                                                                      |
| 4481B         | Sports and riding apparel stores                                                                            |
| 44819         | Other Clothing (accessories) stores                                                                         |
| 4482          | Shoe stores                                                                                                 |
| 44832         | Luggage and leather goods stores                                                                            |
| 45111         | Sporting goods stores                                                                                       |
| 45112         | Hobby, toy, and game stores                                                                                 |
| 45113         | Sewing, needlework, and piece Goods stores                                                                  |
| 45114         | Musical instrument and supplies stores                                                                      |
| 4512          | Book stores and news dealers                                                                                |
| 4522          | Department stores                                                                                           |
| 4523          | General merchandise stores, including warehouse clubs and supercenters                                      |
| 4531          | Florists                                                                                                    |
| 45321         | Office supplies and stationery stores                                                                       |
| 45322         | Gift, novelty, and souvenir stores                                                                          |
| 4533          | Used merchandise stores                                                                                     |
| 45391         | Pet and Pet Supplies stores                                                                                 |
| 45393         | Manufactured (mobile) home dealers                                                                          |
| 4539H         | Discount stores                                                                                             |
| 4539I         | Duty-free stores                                                                                            |
| 4539J         | Second hand stores                                                                                          |
| 4539K         | Antique stores                                                                                              |
| 453998        | All other miscellaneous store retailers                                                                     |
| 4542A         | Vending machines (Food)                                                                                     |
| 4542B         | Vending machines (Non-Food)                                                                                 |
| 481B          | Other air transportation                                                                                    |
| 482A          | Passenger rail transportation                                                                               |
| 482B          | Freight rail transportation                                                                                 |
| 483B          | Ferries                                                                                                     |
| 483C          | Water Freight                                                                                               |
| 484           | Truck transportation                                                                                        |
| 4851          | Urban transit systems                                                                                       |
| 4852          | Interurban and rural bus transportation                                                                     |
| 4853          | Taxi and limousine service                                                                                  |
| 4854          | School and employee bus transportation                                                                      |
| 4855          | Charter bus industry                                                                                        |
| 4859          | Other transit and ground passenger transportation                                                           |
| 4881A         | Airports, airport terminals, flying fields                                                                  |
| 48819         | Other support activities for air transportation                                                             |
| 4882          | Support activities for rail transportation                                                                  |
| 4883          | Support Activities for water Transportation                                                                 |
| 48841         | Motor vehicle towing                                                                                        |
| 4884A         | Bridge and road fees, tolls                                                                                 |
| 4884B         | Electric vehicle charging                                                                                   |
| 48849         | Other support activities for road transportation                                                            |
| 4889          | Other support activities for transportation                                                                 |
| 491           | Postal service                                                                                              |
| 492           | Couriers and messengers                                                                                     |
| 493           | Warehousing and storage                                                                                     |
| 5111          | Newspaper, periodical, book, and directory publishers (except internet)                                     |
| 5112A         | Digital goods - audiovisual media including books, movies, and music                                        |
| 5112B         | Digital goods - games                                                                                       |
| 51121         | Digital goods - software applications                                                                       |
| 51211         | Motion picture and video production                                                                         |
| 51212         | Motion picture and video distribution                                                                       |
| 51213         | Motion picture and video exhibition                                                                         |
| 5122          | Sound recording industries                                                                                  |
| 515           | Broadcasting (except internet)                                                                              |
| 517311        | Wired and Wireless Telecommunications Carriers                                                              |
| 51731B        | Wireless telecommunications carriers - Prepaid                                                              |
| 51731D        | Other wireless telecommunications carriers                                                                  |
| 5179          | Other telecommunications                                                                                    |
| 517911        | Telecommunications Resellers                                                                                |
| 51911         | News Agency                                                                                                 |
| 51913         | Internet publishing and broadcasting and web search portals                                                 |
| 5191A         | All other information services                                                                              |
| 53211         | Passenger car rental and leasing                                                                            |
| 53212         | Truck, and utility trailer rental and leasing                                                               |
| 5321B         | Motor home and recreational vehicle rental                                                                  |
| 53221         | Consumer electronics and appliances rental                                                                  |
| 532281        | Formal wear and costume rental                                                                              |
| 532282        | Video tape and disc rental                                                                                  |
| 532283        | Home health equipment rental                                                                                |
| 532284        | Recreational goods rental                                                                                   |
| 532289        | All other consumer goods rental                                                                             |
| 5324          | Commercial, industrial machinery and equipment rental and leasing                                           |
| 5411A         | Lawyers (except bankruptcy)                                                                                 |
| 541211        | Offices of certified public accountants                                                                     |
| 541213        | Tax preparation services                                                                                    |
| 5413          | Architectural, engineering, and related services                                                            |
| 5414          | Specialized design services                                                                                 |
| 5415          | Computer systems design and related services                                                                |
| 5416          | Management, scientific, and technical consulting services                                                   |
| 54171         | Research and development in the Physical, Engineering, and Life Sciences                                    |
| 5417B         | Other research and development in the Social Sciences and Humanities                                        |
| 5418          | Advertising, public relations, and related services                                                         |
| 54192         | Photographic services                                                                                       |
| 54194         | Veterinary services                                                                                         |
| 54199         | All other professional, scientific, and technical services                                                  |
| 55            | Management of companies and enterprises                                                                     |
| 5611          | Office administrative services                                                                              |
| 5612          | Facilities support services                                                                                 |
| 5613          | Employment services                                                                                         |
| 56141         | Document preparation services                                                                               |
| 56142         | Telephone call centers                                                                                      |
| 56143         | Business service centers                                                                                    |
| 56149         | Other business support services                                                                             |
| 5616A         | Security services                                                                                           |
| 56171         | Exterminating and pest control services                                                                     |
| 56172         | Janitorial services                                                                                         |
| 56173         | Landscaping services                                                                                        |
| 56174         | Carpet and upholstery cleaning services                                                                     |
| 56179         | Other services to buildings and dwellings                                                                   |
| 5619          | Other support services                                                                                      |
| 562           | Waste management and remediation services                                                                   |
| 6111          | Elementary and secondary schools                                                                            |
| 6112          | Junior colleges                                                                                             |
| 6113          | Colleges, universities, and professional schools                                                            |
| 6114          | Business schools, and computer and management training                                                      |
| 6115          | Technical and trade schools                                                                                 |
| 6116A         | Dance Schools                                                                                               |
| 61161         | Fine arts schools                                                                                           |
| 61162         | Sports and recreation instruction                                                                           |
| 61163         | Language schools                                                                                            |
| 61169         | All other schools and instruction                                                                           |
| 6214          | Outpatient care centers                                                                                     |
| 6219          | Other ambulatory health care services                                                                       |
| 6241          | Individual and family services                                                                              |
| 6242          | Community food and housing, and emergency and other relief services                                         |
| 6243          | Vocational rehabilitation services                                                                          |
| 6244          | Child day care services                                                                                     |
| 624A          | All other social services                                                                                   |
| 7111          | Performing arts companies                                                                                   |
| 7112          | Spectator sports                                                                                            |
| 7113          | Promoters of performing arts, sports, and similar events                                                    |
| 7114          | Agents and managers for artists, athletes, entertainers, and other public figures                           |
| 7115          | Independent artists, writers, and performers                                                                |
| 712           | Museums, historical sites, and similar institutions                                                         |
| 71311         | Amusement and theme parks                                                                                   |
| 71312         | Amusement arcades                                                                                           |
| 7139A         | Public golf courses                                                                                         |
| 7139B         | Private golf courses and country clubs                                                                      |
| 71392         | Skiing facilities                                                                                           |
| 71393         | Marinas                                                                                                     |
| 71394         | Fitness and recreational sports centers                                                                     |
| 71395         | Bowling centers                                                                                             |
| 7139C         | All other amusement and recreation industries                                                               |
| 7139D         | Billiard and pool establishments                                                                            |
| 7139E         | Aquariums, seaquariums, dolphinariums, and zoos                                                             |
| 72111         | Hotels (except casino hotels) and motels                                                                    |
| 7211B         | Other traveler accommodation                                                                                |
| 7212          | Recreational vehicle parks and recreational camps                                                           |
| 7213          | Rooming and boarding houses, dormitories, and workers' Camps                                                |
| 7223          | Special food services                                                                                       |
| 722511        | Full-service restaurants                                                                                    |
| 722513        | Limited-service restaurants (Fast food restaurants)                                                         |
| 722514        | Cafeterias, grill buffets, and buffets                                                                      |
| 722515        | Snacks and nonalcoholic beverage bars                                                                       |
| 8111          | Automotive repair and maintenance                                                                           |
| 8112          | Electronic and precision equipment repair and maintenance (including computers)                             |
| 8113          | Commercial and industrial machinery and equipment (except automotive and electronic) repair and maintenance |
| 8114          | Personal and household goods repair and maintenance                                                         |
| 81211         | Hair, nail, and skin care services                                                                          |
| 8121A         | Massage parlors                                                                                             |
| 8121B         | Health and beauty spas                                                                                      |
| 8122          | Death care services                                                                                         |
| 8123          | Drycleaning and Laundry services                                                                            |
| 8129E         | Other personal services                                                                                     |
| 8134          | Civic and social organizations                                                                              |
| 81391         | Business associations                                                                                       |
| 81392         | Professional organizations                                                                                  |
| 81393         | Labor unions and similar labor organizations                                                                |
| 81399         | Other similar organizations (except business, professional, labor, and political organizations)             |

[]()3Only for Issuing and Business Accounts.

## Source of funds list

The following are the values that Adyen accepts for the source of funds, and the information required for each type. To submit this information, make a POST [/businessLines](https://docs.adyen.com/api-explorer/legalentity/latest/post/businessLines) request.

| Type of source of funds                                 | Required information                                                                   |   |
| ------------------------------------------------------- | -------------------------------------------------------------------------------------- | - |
| Business (profits generated from commercial activities) | Specify that their main source of funds is the payments acquiring business with Adyen. |   |
