# Collect verification information

When a sub-entity submits an application to onboard, you must ensure they provide Checkout.com with specific information for verification and compliance purposes.

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## Entity information

The information required depends on whether the sub-entity is a company or a sole trader, and your regional regulations.

- Sole trader – Provide information about the individual represented by the sub-entity. This includes their name, address, contact details, and financial information.

- Company – Provide information about the business sub-entity. This includes the business name, business type, registered address, and details of the company’s representatives.

> **Information**
>
> For the full list of information required, see the [Onboard an entity](https://api-reference.checkout.com/tag/Platforms/#operation/onboardEntity) endpoint.

A sub-entity can provide the minimum required information for onboarding, and save it as a draft.

However, Checkout.com only starts verification when Checkout.com has all required information. If the sub-entity does not provide the necessary details, their status remains `requirements_due`. For the actions the sub-entity needs to take, see [Requirements due](https://www.checkout.com/docs/platforms/for-saas/manage-sub-entities/sub-entity-status.md#Requirements_due).

> **Important**
>
> Checkout.com cannot process payments or receive payouts for a sub-entity until it has passed verification.

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## Supporting documents for sub-entities

Checkout.com conducts multiple checks during verification. As part of this process, we may request additional documents.

Each uploaded document must meet certain standards to be accepted for verification.

The sub-entity may need to upload four main document types:

- Company documentation
- Proof of address
- Proof of bank account
- Proof of identity

> **Information**
>
> For how to upload documents, see [Add supporting documents](https://www.checkout.com/docs/platforms/for-saas/onboard-sub-entities/add-supporting-documents.md).

Documents required as per the sub-entity's registered region:

**United States**

| Document types | Valid document types | Document standards |
| --- | --- | --- |
| Identity document, if requested for additional verification | - Passport<br>- US government identity card (with photo)<br>- Valid US driving license (with photo) | - Cannot be a photo of a photo – For example, a photo of a document on a computer screen<br>- Must be clear and large enough to read – Fuzzy documents are not accepted<br>- Must be in color – No black-and-white scans<br>- Must be complete – That is, all four corners must be visible.<br>- Must be valid, not expired<br>- Must be authentic, not forged |
| Company document, if requested for additional verification | - Certificate of Incorporation (CoI)<br>- Employer Identification Number (EIN) letter<br>- Memorandum of Association (MoA) or Articles of Association (AoA)<br>- Ownership structure, if not included in MoA or AoA | - Cannot be a photo of a photo – For example, a photo of a document on a computer screen<br>- Must be clear and large enough to read – Fuzzy documents are not accepted<br>- Must be complete – That is, all four corners must be visible. |
| Bank account document, if requested for additional verification | - Bank statement | - Cannot be a photo of a photo – For example, a photo of a document on a computer screen<br>- Must be clear and large enough to read – Fuzzy documents are not accepted<br>- All four corners must be visible. |
| Proof of address document, if requested for additional verification | - Bank or credit card statement containing name and residential address<br>- Insurance policy containing name and residential address<br>- Lease agreement or mortgage statement<br>- Property tax receipt<br>- Posted mail with name of customer<br>- Utility bill (for example, gas, electric, water, or fixed line telephone)<br>- Valid US driving license (with photo) | - Cannot be a photo of a photo – For example, a photo of a document on a computer screen<br>- Must be clear and large enough to read – Fuzzy documents are not accepted<br>- All four corners must be visible. |

**United Kingdom**

| Document types | Valid document types | Document standards |
| --- | --- | --- |
| Identity document | - Full UK driving license with photo (both sides)<br>- National identity card with photo (both sides)<br>- Passport<br>- UK biometric residence permit with photo (both sides) | - Cannot be a photo of a photo – For example, a photo of a document on a computer screen<br>- Must be clear and large enough to read – Fuzzy documents are not accepted.<br>- Must be in color – No black-and-white scans<br>- Must be complete – That is, all four corners must be visible.<br>- Must be valid, not expired<br>- Must be authentic, not forged |
| Company document | - Certificate of Incorporation (CoI)<br>- Memorandum of Association (MoA) or Articles of Association (AoA)<br>- Ownership structure, if not included in MoA or AoA | - CoI must be less than three months old<br>- MoA or AoA must be the latest certified versions |
| Bank account document | - Bank statement | - Cannot be a photo of a photo – For example, a photo of a document on a computer screen<br>- Must be clear and large enough to read – Fuzzy documents are not accepted.<br>- All four corners must be visible. |
| Proof of address document (if required) | - Utility bill – For example, gas, electric, notice of coding, or benefits letters from government authorities<br>- Bank or credit card statement containing name and residential address<br>- Social security<br>- Local authority tax bill<br>- HM Revenue & Customs (Inland Revenue) tax document – For example, tax assessment, pension, statement of account, water bill, or fixed line telephone bill | - Local authority tax bill and any tax documents must be from the current tax year<br>- Utility bill, bank statement, social security, and other benefits letters must be from the past three months |

**European Union**

| Document type | Valid document types | Document standards |
| --- | --- | --- |
| Proof of identity document | - European driving license with photo (both sides)<br>- European electoral ID with photo (both sides)<br>- European national identity or citizenship card with photo (both sides)<br>- European residence permit with photo (both sides)<br>- Passport | - Cannot be a photo of a photo – For example, a photo of a document on a computer screen<br>- Must be clear and large enough to read – Fuzzy documents are not accepted<br>- Must be in color – No black-and-white scans<br>- Must be complete – That is, all four corners must be visible.<br>- Must be valid, not expired<br>- Must be authentic, not forged |
| Company document | - Certificate of Incorporation (CoI)<br>- Memorandum of Association (MoA) or Articles of Association (AoA)<br>- Ownership structure, if not included in MoA or AoA | - CoI must be less than three months old<br>- MoA or AoA must be the latest certified versions<br>- Ownership structure must be certified by a competent authority, such as a notary, lawyer, solicitor, or qualified chartered accountant, and dated within three months of submission |
| Financial document | - Balance sheet<br>- Income statement<br>- Statement of cash flow<br>- Statement of retained earnings | - Cannot be a photo of a photo – For example, a photo of a document on a computer screen<br>- Must be clear and large enough to read – Fuzzy documents are not accepted<br>- Must be complete – That is, all four corners must be visible.<br>- Must be the latest available version |
| Bank account document | - Bank statement | - Cannot be a photo of a photo – For example, a photo of a document on a computer screen<br>- Must be clear and large enough to read – Fuzzy documents are not accepted.<br>- All four corners must be visible. |
| Proof of address document (if required) | - Bank or credit card statement containing name and residential address<br>- Local authority tax bill<br>- Social security<br>- Tax documents – For example, tax assessment, statement of account, notice of coding<br>- Utility bill – For example, gas, electric, notice of coding, or benefits letters from government authorities | - Local authority tax bill and any tax documents must be from the current tax year<br>- Utility bill, bank statement, social security, and other benefits letters must be from the past three months |

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## Next steps

**[Handle webhooks](https://www.checkout.com/docs/platforms/for-saas/onboard-sub-entities/handle-webhooks.md)**

Handle webhooks you receive when Checkout.com onboards sub-entities.

**[Submit application](https://www.checkout.com/docs/platforms/for-saas/onboard-sub-entities/submit-application.md)**

Submit an onboarding application for a sub-entity.

**[Add supporting documents](https://www.checkout.com/docs/platforms/for-saas/onboard-sub-entities/add-supporting-documents.md)**

Add supporting documents using the Platforms API.