Simulate business eKYC approvals

1

Generate a KYC capture link for the business user

Simulating a KYC approval requires you to undergo the eKYC process. Render the eKYC capture link in any web/mobile browser that you want to conduct your test on.

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"
}

2

Perform the eKYC process and submit pre-approved values

The following procedure below is the only way to simulate an approval in the staging environment.

Submitting any other values aside from the pre-approved values will result in rejection.

You can subscribe to the KYC verification webhooks to be notified of the KYC approval of the business user.

KYC Capture Screen

Description

	In the Company Information screen, enter and change the following fields: Pre-approved values: Company name: Demo Company With Beneficiaries Ltd Registration number: 99999999 Country: GBR
	As a compliance requirement, every business needs to have at least one associated party. In the Edit associated party screen, create an associated party that is an Individual User. For this example, we created a UBO because this associated party role can only be an individual user. Define the user details of the associated party and proceed to submit.
	After submission, the business verification will be put on hold, awaiting the successful verification of all of its defined associated parties. On the Verification not yet complete (eKYC Submitted) screen, click the Verify Now button or render the KYC capture link in a web browser to proceed with the associated party's verification. Follow the Simulate individual eKYC approvals section to learn about how to simulate the verification of an individual user. As soon as the associated party has completed and passed its own verification, the eKYC approval will be given for the business.

Source: https://docs.sumsub.com/docs/test-business-verification#conduct-test-checks-for-business-verification

3

[Additional] For onboarding business from high-risk regions and industries

If a business user is flagged as "high-risk" (due to business foundation location* or profile), the system automatically triggers Enhanced Due Diligence (EDD). This adds extra screens and document requirements to their eKYC journey.

Note on Testing: You can use dummy data and documents for EDD requirements during simulation.

Please keep in mind that EDD flips the process from automated to manual review. Since MatchMove Compliance must personally vet these submissions in both staging and live environments, approval won't be immediate. In staging and for the purpose of simulation, we have established a 1-day SLA for these specific cases.

*Refer to Standard Operating Procedure for Compliance Management document for the list of high-risk and sanctions regions.