[4] Document collection
During your onboarding flow, you might need to collect certain documents from the customer depending on the product and the customer type. Such documents are requested as part of the Know Your Customer (KYC) process and you must ensure that they are collected in your sign-up flow and passed to Solaris before the identification process.
The required document(s) of a person or a business (legal entity) is stored in a document resource on Solaris' system.
Document resource types
There are two types of document resources:
- Person documents: Used to store the documents of the following customer types:
- Retail customers (B2C)
- Authorized persons on a retail account
- Freelancers
- Business' natural persons, such as legal representatives, beneficial owners, and authorized persons.
For more information, check the API reference.
- Business documents: Used to store the documents of a business' legal entity.
For more information, check the API reference.
Required documents
The following sections include the required documents you need to collect based on the product, customer type, and country:
Digital Banking & Cards
For Digital Banking & Cards products, you need to collect the following documents:
Retail customers (B2C)
Solaris only requires specific documents from B2C customers in France.
France only:
To open an account with a French IBAN (branch: FR), you must collect a proof of address from your customers.
The following documents are accepted as a proof of address:
| Document type | Description/French equivalent |
|---|---|
| Utility bill | (e.g., mobile phone bill, gas, electricity, phone) - (facture de service (Ex: facture de téléphone fixe, facture de téléphone mobile, facture de gaz, facture d'électricité, facture d'eau, quittance de loyer) |
| Tax invoice, income tax, housing tax | (Avis d'impôt sur le revenu ou certificat de non imposition, taxe d'habitation) |
| Certificate of Residence provided by a townhall | Certificat de résidence fourni par la mairie |
| Insurance proof with address | (Attestation de droits à l'assurance maladie avec les composantes du numéro de sécurité sociale masquées) |
| Housing insurance premium payments | (Attestation ou facture d'assurance du logement) |
attention
A proof of address document cannot be more than 3 months old. Documents that are older than 3 months will be rejected.
Business customers (B2B)
For business customers, you need to collect the documents required according to the business' legal form:
The following table includes the required documents for identification for each legal form:
note
- For all registered Legal Forms, the Customers are prompted to input their business data: registration_number registration_issuer Once the Customer enters this data correctly, Solaris will be able to pull the required company documents automatically without the need to request this data to the Customer during the onboarding flow.
warning
Failure to provide this data accurately (registration_number and registration_issuer), will result in the failure of Solaris’s document retrieval automation and documents will be requested manually from the Customer via the request information and request document endpoints.
Please note that Solaris may request further documents during the onboarding process depending on different factors, such as legal entities as beneficial owners, complex business structures and/or types of services offered.
| Legal Form | Documents required | Document Type | Data can be retrieved by Solaris |
|---|---|---|---|
| ADÖR | Register extract | REGISTER_EXTRACT | Yes - Automated |
| ADÖR | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| AG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| AG | "Aktionärsliste" for AG or AG/SE as General Partner | SHAREHOLDER_LIST | No |
| AG | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| AG_CO_KG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| AG_CO_KG | "Aktionärsliste" for AG or AG/SE as General Partner | SHAREHOLDER_LIST | No |
| AG_CO_KG | Articles of Association (Satzung) for AG/SE as General Partner | FOUNDATION_DOCUMENT | No |
| EG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| EG | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| EK | Register extract | REGISTER_EXTRACT | Yes - Automated |
| GbR | Gesellschaftsvertrag (partnership/shareholder agreement) | OTHER or SHAREHOLDER_AGREEMENT | No |
| eGbR | Register extract | REGISTER_EXTRACT | Yes - Automated |
| eGbR | Gesellschaftsvertrag (partnership/shareholder agreement) | OTHER or SHAREHOLDER_AGREEMENT | No |
| Gemeinde | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| gGmbH | Register extract | REGISTER_EXTRACT | Yes - Automated |
| gGmbH | List of Shareholders | SHAREHOLDER_LIST | Yes - Automated |
| GMBH | Register extract | REGISTER_EXTRACT | Yes - Automated |
| GMBH | List of Shareholders | SHAREHOLDER_LIST | Yes - Automated |
| GMBH_CO_KG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| GMBH_CO_KG | Shareholderlist for GmbH/UG General Partner | SHAREHOLDER_LIST | No |
| GMBH_I_GR | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| GMBH_I_GR | Gesellschaftsvertrag (partnership/shareholder agreement) | OTHER or SHAREHOLDER_AGREEMENT | No |
| GMBH_I_GR | Notariell beglaubigte Urkundenrolle/Musterprotokoll | OTHER | No |
| gUG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| gUG | List of Shareholders | SHAREHOLDER_LIST | Yes - Automated |
| KDOR | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| KG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| KGAA | Register extract | REGISTER_EXTRACT | Yes - Automated |
| KGAA | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| LTD | Register extract | REGISTER_EXTRACT | Yes - Automated |
| LTD | List of Shareholders | SHAREHOLDER_LIST | No |
| LTD | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| NEV | List of Shareholders (List of Board members) | SHAREHOLDER_LIST | No |
| NEV | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| OHG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| PARTG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| PARTG | Gesellschaftsvertrag (Partnerschaftsvertrag) | OTHER or SHAREHOLDER_AGREEMENT | No |
| SE | Register extract | REGISTER_EXTRACT | Yes - Automated |
| SE | List of Shareholders | SHAREHOLDER_LIST | No |
| SE_CO_KG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| SE_CO_KG | "Aktionärsliste" for AG or AG/SE as General Partner | SHAREHOLDER_LIST | No |
| SE_CO_KG | Articles of Association (Satzung) for AG/SE as General Partner | FOUNDATION_DOCUMENT | No |
| SE_CO_KG | Gesellschaftsvertrag (partnership/shareholder agreement) | OTHER or SHAREHOLDER_AGREEMENT | No |
| SOLE_PROPRIETORSHIP | Register extract | REGISTER_EXTRACT | No |
| Stiftungen | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| Stiftungen | Trustee Agreement / Stiftungssatzung or Statement signed by the Legal Representatives | OTHER | No |
| UG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| UG | List of Shareholders | SHAREHOLDER_LIST | Yes - Automated |
| UG_CO_KG | Register extract | REGISTER_EXTRACT | Yes - Automated |
| UG_CO_KG | Shareholderlist for GmbH/UG General Partner | SHAREHOLDER_LIST | No |
| UG_CO_KG | Gesellschaftsvertrag (partnership/shareholder agreement) | OTHER or SHAREHOLDER_AGREEMENT | No |
| UG_I_GR | Articles of Association (Satzung) | FOUNDATION_DOCUMENT | No |
| UG_I_GR | Gesellschaftsvertrag (partnership/shareholder agreement) | OTHER or SHAREHOLDER_AGREEMENT | No |
| UG_I_GR | Notariell beglaubigte Urkundenrolle/Musterprotokoll | OTHER | No |
Freelancers
For freelancers, a proof of profession is required in all branches. In your sign-up flow, collect a proof of profession from the customer either during onboarding or within 30 days and create a document resource with a document_type of PROOF_OF_PROFESSION.
Solaris will manually review the submitted documents, and a successful onboarding will depend on Solaris' approval.
note
In case the customer cannot provide a proof of profession (e.g., founders of start-ups), a 90-day grace period will be granted after which the customer should submit a proof.
Please provide any of the following documents as a proof of profession:
- Anmeldung/Zulassung bei der Berufskammer (professional chamber)
- Anmeldung beim Finanzamt (registration with the tax office)
In the event that the customer does not have any of the documents mentioned above, the following documents may be requested instead:
- Tax identification number (TIN) assigned by the Federal Central Tax Office (BZSt)
- VAT identification number
- Company tax number (for small businesses only)
For certain professions, the Customer may provide their Chamber Certificate of Admission. The following table provides examples of professions, but is not exhaustive
| Job title | Proof of profession |
|---|---|
|
|
Other professions e.g.
|
|
University diplomas are not acceptable.
| Job title | Proof of profession |
|---|---|
| Doctors/physicians | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the medical order |
| Dentists/Orthodontists | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the order of dental surgeons |
| Veterinarians | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the national order of veterinarians |
| Pharmacists | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the national order of pharmacists |
| Physiotherapists | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the order of massage therapists (masseurs-kinésithérapeutes) |
| Ergotherapeutics | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the Regional Health Agency (ARS) |
| Nurses | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the national order of nurses |
| Chiropodists | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the national order of pedicure-podologue |
| Psychologists, Psychotherapists, Speech therapists, Gardians such as medical attendants or caretakers | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate |
| Lawyers | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the national order of lawyers (or Bar Certification) |
| Notaries | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the national order of notaries |
| Auditors/Accountants | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration on a list drawn up by the Haut conseil du commissariat aux comptes |
| Patent lawyers, Tax advisors, Business Consultants, Management Consultants, Pension Advisors, Sales Promoters/Trainers | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate |
| Architects | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate + Proof of registration with the Conseil régional de l'Ordre des architectes (CROA) |
| Landscape Architects, Interior Architects, Sea and harbour pilots, Engineers, Sworn experts, Chemists, Biologists, Geologists, Environmental assessors, Computer Scientists | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate |
| Artists, Bloggers, Influencers, Musicians, Dance Instructors / teachers, Qualified pedagogues, Translators / Interpretors, Authors, Bloggers, Influencers, Designers, Restorers, Recording studio Engineers, Journalists, Lecturers | The Certificate of Registration in the Register of Companies and Establishments (extract K) or The URSSAF certificate |
France:
The Sirene status notice Declaration of turnover.
Lending standalone
Depending on the lending product you're integrating, additional documents might be required, which are specifically used for the credit risk and scoring processes.
For more information, check the individual integration guides for each of the lending products here.
