[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:
| Legal form | Required documents | Description | Notes |
|---|---|---|---|
GbR |
|
| Documents must be signed by all business partners. Solaris may request additional information based on the document contents (e.g., all shareholders, distribution of shares, etc). For GmbH/UG & Co. KGs, these requirements apply for the entity that is registered in the trade register as shareholder (i.e., Komplementär-Gesellschafter). |
GmbH_CO_KG |
|
| Document must include a notarial stamp, seal, and signature. |
UG_I_GR |
|
| Document must include a notarial stamp, seal, and signature. |
UG & Co. KG |
|
| Document must include a notarial stamp, seal, and signature. |
AG (not listed) |
|
| Document must include a notarial stamp, seal, and signature. |
SE (not listed) |
|
| Document must include a notarial stamp, seal, and signature. |
e.V. |
|
|
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 REGISTRATION_DETAILS.
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.
| Job title | Proof of profession |
|---|---|
| Doctors/physicians, Dentists/Orthodontists, Veterinarians, Pharmacists | Chamber Certificate of admission |
| Physiotherapists, Psychologists, Psychotherapists, Speech therapists, Ergotherapeutics, Nurses, Chiropodists, Gardians such as medical attendants or caretakers | State Examination |
| Lawyers, Patent lawyers, Notaries, Auditors/Accountants,Tax advisors | Chamber Certificate of admission |
| Business Consultants, Management Consultants, Pension Advisors, Sales Promoters/Trainers | University degree certificate (Diploma, Bachelor, Master) |
| Architects, Landscape Architects, Interior Architects, Sea and harbour pilots | Chamber Certificate of admission |
| Engineers, Sworn experts, Chemists, Biologists, Geologists, Environmental assessors, Computer Scientists | University degree certificate (Diploma, Bachelor, Master) |
| Artists, Bloggers, Influencers, Musicians, Dance Instructors / teachers, Qualified pedagogues, Translators / Interpretors, Authors, Bloggers, Influencers, Designers, Restorers, Recording studio Engineers, Journalists, Lecturers | University degree certificate (Diploma, Bachelor, Master) |
| 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 |
Alternatives
The following documents could be provided as an alternative if the previous options are not available:
Germany:
- Rental agreements or tenancy contracts
- Invoices issued to third parties
- Expert opinions
- Web pages
- Electricity bills
- Proof of professional liability
- Membership in associations
- Health insurance funds
attention
Please note that these alternative documents must contain a reference to the professional business activity (e.g., invoices issued with the company's name, etc.)
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.