> ## Documentation Index
> Fetch the complete documentation index at: https://storekit.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# storekit Payments Setup

> Set up storekit Payments powered by Adyen to accept cards, digital wallets, and local methods. Connect a bank account, complete KYC, and get paid out.

storekit Payments is our integrated payment solution, powered by Adyen. It allows you to accept card payments, Apple Pay, Google Pay, and regional payment methods, with funds paid out directly to your bank account.

## Before You Start

Before setting up storekit Payments, make sure you have:

* A valid phone number added to your store's [general settings](/docs/guides/store-settings/opening-hours)
* Your business registration details (for limited companies)
* Bank account details for payouts
* ID documents for verification (passport or driving licence)

## Business Types

storekit Payments supports two business types:

| Type            | Description                                                              | Best For                                                     |
| --------------- | ------------------------------------------------------------------------ | ------------------------------------------------------------ |
| **Business**    | Limited Company, LLP, or PLC                                             | Registered companies with Companies House (UK) or equivalent |
| **Sole Trader** | Self-employed individual trading under their own name or a business name | Freelancers, sole proprietors, unincorporated businesses     |

## Setting Up Your Account

<Steps>
  <Step title="Select Your Business Type">
    Go to **Store Settings > Payments** and click **Set up storekit Payments**. Select whether you're a Business or Sole Trader.
  </Step>

  <Step title="Enter Business Details">
    **For Businesses (Limited Companies):**

    * Enter your registered legal business name
    * For UK companies, we'll look up your details from Companies House automatically

    **For Sole Traders:**

    * Enter your legal business name
    * Optionally add a "Doing business as" name if you trade under a different name
    * Enter your first and last name
    * Provide your registered business address
  </Step>

  <Step title="Accept Terms">
    Review and accept the storekit Payments terms of service. You'll also need to confirm your business doesn't fall under the [restricted services list](https://www.adyen.com/legal/list-restricted-prohibited).
  </Step>

  <Step title="Complete Verification">
    After initial setup, you'll be redirected to complete the verification process (see below).
  </Step>
</Steps>

## Verification Process

To comply with financial regulations, we need to verify your identity and business. The verification requirements depend on your business type.

### For Sole Traders

| Verification              | What's Needed                          |
| ------------------------- | -------------------------------------- |
| **Identity verification** | Photo ID (passport or driving licence) |
| **Bank account**          | Bank account details for payouts       |

### For Businesses (Limited Companies)

| Verification              | What's Needed                                                          |
| ------------------------- | ---------------------------------------------------------------------- |
| **Business verification** | Company registration number (looked up automatically for UK companies) |
| **Bank account**          | Business bank account details for payouts                              |
| **Beneficial owners**     | Details of anyone who owns 25% or more of the business                 |
| **Directors/Executives**  | At least one director or executive must complete identity verification |

<Info>
  **Beneficial owners** are individuals who own or control 25% or more of your business. This includes shareholders, partners, or anyone with significant control. You'll need to provide their name, date of birth, and address.
</Info>

### Identity Verification

For identity verification, you'll need to provide:

* **Photo ID** - Passport or driving licence
* **Selfie** - A photo of yourself holding your ID (in some cases)

The verification is completed through a secure online process. Most verifications are approved within minutes, but some may take up to 24-48 hours.

### Requirements by Country

Verification requirements vary by country. Here's what you'll need for key markets:

| Country            | Individual ID                           | Business Registration                | Tax ID                |
| ------------------ | --------------------------------------- | ------------------------------------ | --------------------- |
| **United Kingdom** | Passport or Driving Licence             | Companies House Number               | UTR (optional)        |
| **Germany**        | Personalausweis or Passport             | Handelsregisternummer (HRB)          | Steuernummer          |
| **Netherlands**    | Passport or ID Card                     | KVK Number                           | BTW-nummer            |
| **France**         | Passport or Carte d'identité            | SIREN/SIRET                          | Numéro TVA            |
| **Ireland**        | Passport or Driving Licence             | CRO Number                           | Tax Reference         |
| **Switzerland**    | Passport or ID Card                     | UID (CHE number)                     | MWST-Nummer           |
| **Belgium**        | Passport or ID Card                     | BCE/KBO Number                       | BTW/TVA               |
| **Austria**        | Passport or Personalausweis             | Firmenbuchnummer                     | UID-Nummer            |
| **United States**  | Passport, Driver's License, or State ID | EIN (Employer Identification Number) | SSN or ITIN           |
| **Australia**      | Passport or Driver Licence              | ABN (Australian Business Number)     | TFN (Tax File Number) |
| **New Zealand**    | Passport or Driver Licence              | NZBN (New Zealand Business Number)   | IRD Number            |
| **Canada**         | Passport or Driver's License            | Business Number (BN)                 | GST/HST Number        |

<Note>
  For businesses, you'll also need to provide details of beneficial owners (25%+ shareholders) and at least one director must complete identity verification.
</Note>

### Bank Account Verification

You'll need to provide your bank account details for payouts:

**For UK accounts:**

* Account holder name
* Sort code
* Account number

**For European accounts:**

* Account holder name
* IBAN
* BIC/SWIFT code

<Warning>
  The bank account must be in the name of the business (for companies) or the individual (for sole traders). We cannot pay out to third-party accounts.
</Warning>

## Verification Status

You can check your verification status at any time in **Store Settings > Payments**. Common statuses include:

| Status              | Meaning                                                   |
| ------------------- | --------------------------------------------------------- |
| **Pending**         | Verification is being processed                           |
| **Action Required** | Additional information or documents needed                |
| **Verified**        | All verifications complete - you can accept payments      |
| **Failed**          | Verification failed - check the error message for details |

## Processing Payments Before Verification

By default, you must complete verification before you can accept payments. This ensures compliance with financial regulations and protects both you and your customers.

<Warning>
  In rare cases, we may allow stores to process payments before verification is complete. However, if verification is never fully completed, you take on responsibility for any associated risks. [Contact support](/docs/getting-started/contact-support) if you have an urgent need to start processing before verification.
</Warning>

## Updating Your Details

If your business details change (new address, new bank account, etc.), you can update them in **Store Settings > Payments**. Some changes may require re-verification.

## Multiple Stores

If you have multiple stores, you can connect them to the same storekit Payments account if they're operated by the same legal entity. You only need to complete verification once.

<Note>
  If your stores are operated by different legal entities (different companies), you'll need to set up separate storekit Payments accounts for each.
</Note>

## Troubleshooting

### Error when creating payment account

If you see an error when trying to create your storekit Payments account, check the following:

* **Store address not complete** — All address fields including postcode are required. Go to **Store Settings > General** and ensure your full address is filled in.
* **Phone number missing** — A valid phone number must be added to your store's general settings before you can create a payment account.
* **Browser cache issue** — Try opening an incognito/private browsing window and attempting the setup again.

<Info>
  If the error persists after completing all required fields, [contact support](/docs/getting-started/contact-support) with your store name and the exact error message so we can investigate further.
</Info>

### Verification stuck or rejected

If your verification is taking longer than expected or has been rejected:

* Check that your ID document is not expired
* Ensure the name on your ID matches the name you entered during setup exactly
* Re-upload documents if the photos are blurry or partially obscured
* Allow up to 48 hours for manual review in cases where automatic verification cannot be completed

<Note>
  If your verification has been stuck in "Pending" for more than 48 hours, [contact support](/docs/getting-started/contact-support) with your store name and we'll check the status with our payment provider.
</Note>

### Can't connect pay-in account

If you're unable to connect your bank account for payouts:

* Ensure you've completed the KYC (identity) verification step first — bank account connection is only available after verification
* Double-check that your bank account details are correct (sort code and account number for UK, or IBAN for European accounts)
* If you see a generic error, try logging out of your storekit dashboard and logging back in, then retry the connection

<Warning>
  The bank account must be in the name of the business (for companies) or the individual (for sole traders). Third-party accounts cannot be connected.
</Warning>

### Bank Account Rejected

If your bank account is rejected:

* Verify the account details are correct
* Ensure the account is in the name of the business or individual
* Check the account accepts incoming payments

For further assistance, [contact support](/docs/getting-started/contact-support).


## Related topics

- [Payment methods supported by storekit](/docs/guides/payments/payment-methods.md)
- [Create and share storekit payment links](/docs/guides/payments/payment-links.md)
- [5. Set Up Payments](/docs/getting-started/launch/set-up-payments.md)
- [Catering Setup](/docs/guides/fulfillment/catering-setup.md)
- [Check Pay at Table payment status from POS or dashboard](/docs/guides/pay-at-table/checking-payments.md)