Will a network actually refuse me without a registered company

Straightforward question. A client wants to onboard with two networks and neither application form makes it clear whether an individual can complete it.

Both ask for a company name and a tax identifier. Neither says the fields are required. I would rather not create an entity to find out that it was optional, and I would rather not apply as an individual and be flagged as evasive.

So: in practice, at a certain volume, does an individual get approved, or does the entity requirement arrive later regardless?

put your own name in the company field. half the affiliates on any network are one bloke with a made up trading name

Individuals get approved routinely. The company field is almost always a text box, not a lookup, and the tax identifier is usually only enforced when the network has a reporting obligation in your client's jurisdiction.

Where it actually bites is at payout, not at signup. Two things happen at volume: some networks will only wire to an account whose name matches the account holder, and some require a tax form before releasing anything above a threshold. Neither is a reason to incorporate up front, but both are reasons to know the answer before the first payout rather than after it.

The question of what the money lands in once it's approved is the harder half, and the Payments & Processing board here covers it properly — payout rails, what networks will actually send to, and what happens when the name on the account doesn't match. Worth reading before your client picks a method rather than after.

One caveat: if either network is in a regulated vertical, the entity requirement is real and arrives at underwriting, not at signup.

Actually i sign up as person for four years and nobody ever ask me anything.

I would separate the question you asked from the question underneath it.

Whether a network will approve an individual is a matter of their onboarding policy and hana_v has answered it. Whether your client should be receiving that income personally is a different question with different consequences, and it does not become easier to fix once there is a trading history attached to the wrong name.

If the volume is meaningful, the entity is worth having for reasons that have nothing to do with the application form.

Two networks, a client, and "a certain volume". You've written four sentences and given away nothing. What's the actual number?