Understanding KYC/KYB status and center payment processing capabilities

This article explains how KYC status, the KYC Timeline, and center-level readiness are displayed in Zenoti Payments during Adyen onboarding.

Overview

During onboarding, your business must complete the required KYC (Know Your Customer) or KYB (Know Your Business) checks. These checks confirm your business identity, decision maker information, payout bank account details, and compliance acknowledgments. The KYC status appears in the main grid and reflects the overall progress of these checks.

There are two major aspects related to payments processing readiness for your business:

1. The KYC/KYB status of the merchant/business account.

2. Individual center’s readiness to process payment and receive payouts.

You can view your business’s KYC status and verification details from the Payment processor onboarding page.

Here’s how you can navigate to that page:

Go to Configuration > Payments > Process payments.
Select Payment processor onboarding.
Select the payment processor.
The status column in the grid shows the KYC/KYB status of the merchant account.

Similarly, you can view the center’s readiness status in same grid through the warning symbol – no warning symbol indicates the centers are ready to process payment and get regular payouts.

View KYC/KYB details

Here’s how you can navigate to the details:

Go to Configuration > Payments > Process payments.
Select Payment processor onboarding.
Select the payment processor.
In the Actions column, select the three-dot menu and choose View business details. You need to authenticate via an OTP to the email address associated with the business to view the details.

KYC/KYB status values

The Status column on the Payment processor onboarding page shows the overall KYC progress for each business, helping you identify which businesses require attention.

Status	Meaning
Incomplete	One or more required fields have not been submitted.
Pending Verification	Information is submitted to the payment processor but verification is still in progress.
Success	All required checks have been successfully verified for the merchant account.
Failed	One or more checks failed and require correction.
Action Required	Additional updates or resubmissions are needed to complete verification. This status may appear if previously verified information has been updated and must be reviewed again. At times, there might be new checks introduced by the payment processor for which the status might change from Success to Action Required.

KYC summary

From the left navigation, select KYC Summary - The KYC Summary page provides a consolidated view of the verification status and deadline (if applicable) for company, Decision makers, Bank accounts and other compliance needs.

You can expand each different section in the view to understand the error in details. You can directly navigate to the section with error and take corrective action by clicking on “Take action".

Verification status by type

Verification type	Status	What it means / What to do
Company Verification	Incomplete	One or more required fields are missing. Navigate to “Business details” section and fill the details.
	Pending Verification	Details submitted; review may take 2–4 business days. No immediate action needed.
	Success	Company information verified successfully.
	Failed	Verification failed. Navigate to “Business details” section to take corrective actions.
Decision Maker Verification (Each decision maker is shown with identifying details to help distinguish between multiple individuals during verification.)	Incomplete	One or more decision makers have missing details. Navigate to “Decision makers” section and fill the missing details.
	Pending Verification	Identity of the individuals are under review. No immediate action required.
	Success	All decision makers have been successfully verified.
	Failed	Verification failed due to mismatched information or poor-quality documents. Navigate to “Decision makers” section and take corrective actions.
Bank Account Verification	Incomplete	Mandatory bank details are missing. Navigate to “Bank accounts” section and fill the details required.
	Pending Verification	Bank account details are under review. No immediate action required.
	Success	All bank accounts are verified successfully.
	Failed	Verification failed due to invalid or unclear documentation or other mismatches. Navigate to “Bank accounts” section and take correctice actions.
PCI DSS Signage	Incomplete	PCI documentation acknowledgment is pending. Navigate to “PCI DSS questionnaire” section and take action.
PCI DSS Signage	Success	PCI documentation signed successfully.
Service Agreement Signage	Incomplete	Service agreement acknowledgment is pending. Navigate to “Service agreement” section and take action.
Service Agreement Signage	Success	Service agreement signed successfully.

Below screen shows how you can see details of the errors pertaining to a decision maker:

Center capabilities

The Centers Linked column (in the main grid) displays the number of centers associated with the business.

A warning icon appears if any center is not ready for payment processing or payouts.

Hovering over the icon shows the issue count (for example: “2 center(s) are not ready to either take payments or receive payouts”).

Select View center configurations from the three-dots in action menu to view all centers and their capabilities.

Center-level capabilities

This section shows whether each center is ready to accept payments and receive payouts.

Capabilities

Capability	Status	What it means / What to do
Payment Processing	Allowed	Centers are correctly configured to accept payments.
Payment Processing	Blocked	Payment processing capability is blocked for the center. Ensure the KYC of your business is successfully verified. Additionally, navigate to “Store details” tab for any potential error. Contact support if the problem persists.
Payout	Allowed	Centers are eligible to receive payouts.
Payout	Blocked	Payouts cannot be processed. Ensure the KYC of your business is successfully verified. Contact support if the problem persists.

Key terms

Term	Description
KYC Status	The current verification stage of your business during onboarding (Incomplete, Pending Verification, Success, Failed, Action Required).
KYC Timeline	A detailed view of verification checks, status messages, and corrective actions.
Verification Type	Specific checksrequiredfor merchant onboarding, such as company verification, decision maker verification, bank verification, PCI DSS signage, and service agreement signage.
Center-Level Status	The readiness of each linked center to process payments and receive payouts.
Capability Status	Indicates whether a center is allowed, blocked, or in progress for payment processing and payouts.
Decision Maker Verification	The identity validationrequiredfor individuals who manage or own the business.
PCI DSS Signage	Confirmation that the business has acknowledged PCI DSS compliance documentation.
Action Required	Indicates that additional updates or resubmissions are needed to complete verification.

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