Perform business eKYC

1

Check if a business user is allowed to submit KYC

Before we allow a user to submit their KYC documents, we first need to check their current KYC status. This means that when the KYC status of the user is not in the list below, the entry point or screen to initiate KYC submission must also be hidden from the partner app interface.

A business user can only send a KYC submission for verification if they have the following:

Get Business User request

 
curl --location 'https://{{identity_base_url}}/{{program_code}}/v2/businesses' \
--header 'X-Auth-User-ID: {{business_user_id}}' \
--header 'Authorization: ••••••'

Get Business User response

 
{
..


"status": "pending_activation",
"sub_status": "document_submission_required",
"kyc_status": "not_submitted",
"kyc_sub_status": "",


..
}

2

[Business] Retrieve the eKYC redirect link to the document collection screen

The eKYC document collection page is a standalone web app. Partners must present the eKYC web app to the customer by rendering it in an in-app or external web browser. Customers can then proceed to perform eKYC by sending their selfie picture and required identity documents.

Process KYC Verification request

 
curl --location --request POST 'https://{{identity_base_url}}/{{program_code}}/v2/businesses/authentications/documents/process' \
--header 'X-Auth-User-ID: {{business_id}}' \
--header 'Authorization: ••••••'

Process KYC Verification response

 
{
    "id": "8824d28441cb4486ac9c875aa1d3bc69",
    "links": [
        {
            "href": "https://api-sg-identity.matchmove-beta.com/v2/web/sdk?id=459b00a082dd856c71daa9bd429dc30432dc4039e7fd067669330db4f6e89320d65554474c2b4fdace25920a30599523a5a61b8b497ed1d6773de4187bddbdebd14096615c865a9cb2ba22df4d2efc1046a8f71a0357ddff87ccdd07cedbb8d7cf52b86989fc58862d44ba588u95c8be226ae35f74b1925f913c44847a9b2b574f128a555cd7e6e6e47cab02a186d2077957690ee82735e1664c49e459d733175d9dd844de4de81ff951",
            "method": "GET",
            "rel": "capture.sdk"
        }
    ],
    "sub_type": "business",
    "type": "users",
    "verification_id": "vfc_523fa7e2484947eya26d4b9260555847"
}

The Process KYC Verification API response will return a capture link that you will need to render and display to an in-app browser (mobile app) or any browser (web app) for your customer.

From here, the customer can perform the KYC document capture and submit their KYC application.

The eKYC verification is asynchronous; some background processing needs to be completed before the approval/rejection can be given. Usually, an automated eKYC verification turnaround time will take from an instant to a few minutes, provided that all document submissions are clear and legible and the partner profile aligns perfectly with the document data.

3

[Optional] [Associated Parties] Retrieve the eKYC redirect link to the document collection screen

If the business-associated parties are declared and defined in the business profile prior to the invocation of the KYC document collection, all the defined associated parties will be automatically generated with their own KYC link. These links will be accessible from the business KYC confirmation screen, and you will have the option to email the link to the registered email of the associated party.

However, there will be cases where the associated parties may miss KYC links in their email or consume the link after its expiry. For these scenarios, partners will be able to regenerate a fresh KYC link for these associated parties.

Process Associated Party KYC Verification request

 
curl --location --request POST 'https://{{identity_base_url}}/{{program_code}}/v2/associated_parties/{{associated_party_id}}/authentications/documents/process' \
--header 'X-Auth-User-ID: {{business_id}}' \
--header 'Authorization: ••••••'

Process Associated Party KYC Verification response

 
{
    "id": "eed3d63039e94e9ea92aeaa568c73b02",
    "links": [
        {
            "href": "https://api-sg-identity.matchmove-beta.com/v2/web/sdk?id=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",
            "method": "GET",
            "rel": "capture.sdk"
        }
    ],
    "sub_type": "individual",
    "type": "associated_party",
    "verification_id": "vfc_f34128f55abf45cb99218d2h84a4cf27"
}

4

Monitor for the approval of the submitted KYC

The KYC verification turnaround time follows an SLA from submission to approval.

If the partner wants to be notified when KYC approval/rejection is given, they must subscribe to the “KYC Service Advisory” webhook category and events. If a failure or rejection happens, the webhook payload will contain a reason for rejection.

Go to the Leverage Webhooks section to learn more about setting up the webhooks.

KYC Service Advisory webhooks

Partners have the option to subscribe to the webhook events related to KYC approval.