Documentation Index

Fetch the complete documentation index at: https://docs.xendit.co/llms.txt

Use this file to discover all available pages before exploring further.

For archived content, access the previous documentation here or the previous API reference here.

Submit account verification

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Post
/account_verification

Submits a sub-account's information for KYC verification. This lets you collect your merchant's verification data on your Platform's own interface and pass it to Xendit via API.

You may use this API for OWNED sub-accounts created with the /v2/accounts API, or for sub-accounts created in the Dashboard. Upload the referenced documents with the Upload File API (POST /files, purpose KYC_DOCUMENT) first, then reference them by file_id.

Include the for-user-id header with the sub-account's business ID to submit verification on its behalf.

Required fields, accepted document types, address fields and identification types vary by country of incorporation and entity type.

Security
HTTP
Type basic
Header parameters
for-user-id
stringRequired

The business ID of the sub-account to submit or retrieve verification for

Body parameters
Expand All
object
country_of_incorporation
string Required

ISO 3166-1 alpha-2 country code of incorporation

ExampleHK
business_entity_type
string Required

Business entity type, e.g. CORPORATION or PARTNERSHIP. Availability is country-specific.

ExampleCORPORATION
business_industry_code
string Required

One of the accepted industry category codes for the country of incorporation

ExampleACCOUNTING_AUDITING_AND_BOOKKEEPING_SERVICES
kyc_details
object (AccountVerificationKycDetails) Required

The KYC information of the business. Required fields, accepted document types and identification types vary by country of incorporation and entity type.

business_legal_name
string Required
business_description
string Required
business_registration_number
string Required
business_tax_number
string

Indonesia only

business_establishment_date
string Required

Format YYYY-MM-DD

business_average_monthly_basket_size
string Required
Example$50K - $300K
business_intents
Array of string Required
string
Valid values[ "PAYMENTS", "PAYOUT", "GLOBAL_PAYOUT", "BUSINESS_EXPENSES" ]
business_source_of_funds
Array of string Required
string
Valid values[ "REVENUE", "INVESTOR_SHAREHOLDER_FUNDING", "INVESTMENT_INCOME", "BUSINESS_LOAN", "PERSONAL_FUNDING", "DONATIONS", "GRANTS", "OTHER" ]
business_registration_documents_amended
boolean

Indonesia only

business_address
object (AccountVerificationAddress) Required
street_line_1
string Required
street_line_2
string
city
string Required
district
string

Required for ID, TH, VN

sub_district
string

Required for ID, TH

province
string

Required for ID, TH, PH, VN

state
string

Required for PH, MY

ward
string

Required for VN

postal_code
string Required
country_code
string Required

ISO 3166-1 alpha-2 country code

legal_entity_address
object (AccountVerificationAddress) Required
street_line_1
string Required
street_line_2
string
city
string Required
district
string

Required for ID, TH, VN

sub_district
string

Required for ID, TH

province
string

Required for ID, TH, PH, VN

state
string

Required for PH, MY

ward
string

Required for VN

postal_code
string Required
country_code
string Required

ISO 3166-1 alpha-2 country code

office_store_address_proof_document
object Required

Proof of the business's operating address. Required only when business_address differs from legal_entity_address. If the two addresses are the same, this document is not needed.

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
proof_of_business_websites
object

At least one of proof_of_business_websites or proof_of_business_documents must be provided.

website
string
website_staging_url
string
website_staging_username
string
website_staging_password
string
social_instagram_url
string
social_facebook_url
string
social_others_url
string
marketplace_url
string
proof_of_business_documents
Array of object

At least one of proof_of_business_websites or proof_of_business_documents must be provided.

object
file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
type
string
Valid values[ "POSTER_BROCHURE_PAMPHLET_DOCUMENT", "INVOICE_PURCHASE_ORDER_DOCUMENT", "OFFLINE_STORE_PHOTO_DOCUMENT", "OTHER_DOCUMENT" ]
business_registration_documents
Array of object Required
object
file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
type
string

Country-specific document type, e.g. HK_CI, HK_NAR1, ID_NIB, ID_COMPANY_NPWP, ID_AKTA, ID_SKMENKEH

business_license_documents
Array of object (AccountVerificationFile) Required
object

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
business_bank_account_document
object

A copy of the business bank account book or statement. Requirement varies by country of incorporation — optional for TH.

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
business_shareholding_chart_document
object Required

A chart of the business's shareholding structure. Only applies to corporate entity types (e.g. corporation, limited company, joint stock company). Required when shareholders_include_corporate_entity is true.

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
service_agreement_document
object

Signed service agreement. Optional — this is normally generated through the consent flow, but you may also provide it directly via this API.

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
business_bank_account_number
string

Indonesia only

business_bank_channel_code
string

Indonesia only

business_bank_name
string

Indonesia only

authorized_person_first_name
string Required
authorized_person_last_name
string Required
authorized_person_gender
string Required
ExampleM
authorized_person_nationality
string Required

ISO 3166-1 alpha-2 country code

authorized_person_date_of_birth
string Required

Format YYYY-MM-DD

authorized_person_role
string Required
ExampleFOUNDER
authorized_person_mobile_country_code
string Required
Example+852
authorized_person_mobile_number_only
string Required
authorized_person_email_address
string Required
authorized_person_address
object (AccountVerificationAddress) Required
street_line_1
string Required
street_line_2
string
city
string Required
district
string

Required for ID, TH, VN

sub_district
string

Required for ID, TH

province
string

Required for ID, TH, PH, VN

state
string

Required for PH, MY

ward
string

Required for VN

postal_code
string Required
country_code
string Required

ISO 3166-1 alpha-2 country code

authorized_person_selfie_document
object (AccountVerificationFile) Required

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
authorized_person_identification
Array of object (AccountVerificationIdentification) Required
object
type
string Required

Country-specific identification type, e.g. PASSPORT, HK_NATIONAL_ID, ID_NATIONAL_ID_KTP

number
string Required
document_front
object (AccountVerificationFile) Required

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
document_back
object (AccountVerificationFile) Required

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
authorized_person_proof_of_residency_document
object

Proof of the authorized person's residential address. Required when the submitted authorized_person_identification document does not itself contain a residential address (e.g. a passport or Hong Kong ID).

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
authorized_person_board_resolution_document
object

Board resolution proving the authorized person is empowered to act for the business. Applies to corporation-type entities (e.g. SG/HK/ID corporation, TH limited company, VN joint stock company).

Required unless the authorized person is declared in stakeholders (with is_authorized_person: true) holding the BOARD_DIRECTOR role — in that case the document is not needed.

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
authorized_person_letter_of_authorization_document
object

Letter of authorization proving the authorized person is empowered to act for the business.

Required unless the authorized person is declared in stakeholders (with is_authorized_person: true) holding the governing role for the entity type. The role that waives this document depends on the entity type:

  • Partnerships — LEGAL_PARTNER
  • Sole proprietorships — BUSINESS_OWNER
  • Mexico entities — AUTHORIZED_SIGNATORY
  • Indonesia non-profit, Malaysia private limited — BOARD_DIRECTOR
file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
contact_person_first_name
string Required
contact_person_last_name
string Required
contact_person_mobile_country_code
string Required
contact_person_mobile_number_only
string Required
contact_person_email_address
string Required
stakeholders
Array of object (AccountVerificationStakeholder) Required
object
roles
Array of string Required

The stakeholder's role(s) in the business. When a stakeholder is the authorized person (is_authorized_person: true), their roles determine whether the authorized_person_board_resolution_document or authorized_person_letter_of_authorization_document is required — declaring the governing role for the entity type (e.g. BOARD_DIRECTOR, LEGAL_PARTNER, BUSINESS_OWNER, AUTHORIZED_SIGNATORY) waives that document.

string
Valid values[ "BOARD_DIRECTOR", "BUSINESS_OWNER", "LEGAL_PARTNER", "AUTHORIZED_SIGNATORY" ]
first_name
string Required
last_name
string Required
nationality
string Required

ISO 3166-1 alpha-2 country code

date_of_birth
string Required

Format YYYY-MM-DD

address
object (AccountVerificationAddress) Required
street_line_1
string Required
street_line_2
string
city
string Required
district
string

Required for ID, TH, VN

sub_district
string

Required for ID, TH

province
string

Required for ID, TH, PH, VN

state
string

Required for PH, MY

ward
string

Required for VN

postal_code
string Required
country_code
string Required

ISO 3166-1 alpha-2 country code

is_authorized_person
boolean
Defaultfalse
identification
Array of object (AccountVerificationIdentification) Required
object
type
string Required

Country-specific identification type, e.g. PASSPORT, HK_NATIONAL_ID, ID_NATIONAL_ID_KTP

number
string Required
document_front
object (AccountVerificationFile) Required

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
document_back
object (AccountVerificationFile) Required

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
proof_of_residency_document
object

Proof of the stakeholder's residential address. Required when the stakeholder's identification document does not itself contain a residential address (e.g. a passport or Hong Kong ID).

file_name
string Required
ExampleCertificate of Incorporation.pdf
file_id
string Required
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
shareholders_include_corporate_entity
boolean Required

Whether any of the business's shareholders is a corporate entity (rather than an individual). When true, business_shareholding_chart_document is required.

third_party_verifications
Array of object (AccountVerificationThirdParty)

Results of verifications you have already performed through third parties

object
type
string Required
Valid values[ "SANCTION_SCREENING", "GOVT_DATABASE", "LIVENESS_VERIFICATION" ]
date
string Required

Date the verification was performed, format YYYY-MM-DD

result
object Required

Free-form JSON object documenting the verification outcome

Responses
200

Verification request created. Returns the KYC request with its current status.

Submitted
{
  "id": "kyc-request-id-12345",
  "status": "PENDING_VERIFICATION",
  "business_id": "sub-account-business-id",
  "country_of_incorporation": "HK",
  "business_entity_type": "CORPORATION"
}
Expand All
object
id
string

Unique ID of the KYC request

Examplekyc-request-id-12345
status
string

The KYC verification status of the sub-account

Valid values[ "PENDING_VERIFICATION", "VERIFICATION_IN_PROGRESS", "AWAITING_RESUBMISSION", "PASSED", "FAILED" ]
business_id
string

Business ID of the sub-account

country_of_incorporation
string
business_entity_type
string
kyc_details
object (AccountVerificationKycDetails)

The KYC information of the business. Required fields, accepted document types and identification types vary by country of incorporation and entity type.

business_legal_name
string
business_description
string
business_registration_number
string
business_tax_number
string

Indonesia only

business_establishment_date
string

Format YYYY-MM-DD

business_average_monthly_basket_size
string
Example$50K - $300K
business_intents
Array of string
string
Valid values[ "PAYMENTS", "PAYOUT", "GLOBAL_PAYOUT", "BUSINESS_EXPENSES" ]
business_source_of_funds
Array of string
string
Valid values[ "REVENUE", "INVESTOR_SHAREHOLDER_FUNDING", "INVESTMENT_INCOME", "BUSINESS_LOAN", "PERSONAL_FUNDING", "DONATIONS", "GRANTS", "OTHER" ]
business_registration_documents_amended
boolean

Indonesia only

business_address
object (AccountVerificationAddress)
street_line_1
string
street_line_2
string
city
string
district
string

Required for ID, TH, VN

sub_district
string

Required for ID, TH

province
string

Required for ID, TH, PH, VN

state
string

Required for PH, MY

ward
string

Required for VN

postal_code
string
country_code
string

ISO 3166-1 alpha-2 country code

legal_entity_address
object (AccountVerificationAddress)
street_line_1
string
street_line_2
string
city
string
district
string

Required for ID, TH, VN

sub_district
string

Required for ID, TH

province
string

Required for ID, TH, PH, VN

state
string

Required for PH, MY

ward
string

Required for VN

postal_code
string
country_code
string

ISO 3166-1 alpha-2 country code

office_store_address_proof_document
object

Proof of the business's operating address. Required only when business_address differs from legal_entity_address. If the two addresses are the same, this document is not needed.

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
proof_of_business_websites
object

At least one of proof_of_business_websites or proof_of_business_documents must be provided.

website
string
website_staging_url
string
website_staging_username
string
website_staging_password
string
social_instagram_url
string
social_facebook_url
string
social_others_url
string
marketplace_url
string
proof_of_business_documents
Array of object

At least one of proof_of_business_websites or proof_of_business_documents must be provided.

object
file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
type
string
Valid values[ "POSTER_BROCHURE_PAMPHLET_DOCUMENT", "INVOICE_PURCHASE_ORDER_DOCUMENT", "OFFLINE_STORE_PHOTO_DOCUMENT", "OTHER_DOCUMENT" ]
business_registration_documents
Array of object
object
file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
type
string

Country-specific document type, e.g. HK_CI, HK_NAR1, ID_NIB, ID_COMPANY_NPWP, ID_AKTA, ID_SKMENKEH

business_license_documents
Array of object (AccountVerificationFile)
object

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
business_bank_account_document
object

A copy of the business bank account book or statement. Requirement varies by country of incorporation — optional for TH.

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
business_shareholding_chart_document
object

A chart of the business's shareholding structure. Only applies to corporate entity types (e.g. corporation, limited company, joint stock company). Required when shareholders_include_corporate_entity is true.

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
service_agreement_document
object

Signed service agreement. Optional — this is normally generated through the consent flow, but you may also provide it directly via this API.

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
business_bank_account_number
string

Indonesia only

business_bank_channel_code
string

Indonesia only

business_bank_name
string

Indonesia only

authorized_person_first_name
string
authorized_person_last_name
string
authorized_person_gender
string
ExampleM
authorized_person_nationality
string

ISO 3166-1 alpha-2 country code

authorized_person_date_of_birth
string

Format YYYY-MM-DD

authorized_person_role
string
ExampleFOUNDER
authorized_person_mobile_country_code
string
Example+852
authorized_person_mobile_number_only
string
authorized_person_email_address
string
authorized_person_address
object (AccountVerificationAddress)
street_line_1
string
street_line_2
string
city
string
district
string

Required for ID, TH, VN

sub_district
string

Required for ID, TH

province
string

Required for ID, TH, PH, VN

state
string

Required for PH, MY

ward
string

Required for VN

postal_code
string
country_code
string

ISO 3166-1 alpha-2 country code

authorized_person_selfie_document
object (AccountVerificationFile)

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
authorized_person_identification
Array of object (AccountVerificationIdentification)
object
type
string

Country-specific identification type, e.g. PASSPORT, HK_NATIONAL_ID, ID_NATIONAL_ID_KTP

number
string
document_front
object (AccountVerificationFile)

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
document_back
object (AccountVerificationFile)

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
authorized_person_proof_of_residency_document
object

Proof of the authorized person's residential address. Required when the submitted authorized_person_identification document does not itself contain a residential address (e.g. a passport or Hong Kong ID).

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
authorized_person_board_resolution_document
object

Board resolution proving the authorized person is empowered to act for the business. Applies to corporation-type entities (e.g. SG/HK/ID corporation, TH limited company, VN joint stock company).

Required unless the authorized person is declared in stakeholders (with is_authorized_person: true) holding the BOARD_DIRECTOR role — in that case the document is not needed.

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
authorized_person_letter_of_authorization_document
object

Letter of authorization proving the authorized person is empowered to act for the business.

Required unless the authorized person is declared in stakeholders (with is_authorized_person: true) holding the governing role for the entity type. The role that waives this document depends on the entity type:

  • Partnerships — LEGAL_PARTNER
  • Sole proprietorships — BUSINESS_OWNER
  • Mexico entities — AUTHORIZED_SIGNATORY
  • Indonesia non-profit, Malaysia private limited — BOARD_DIRECTOR
file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
contact_person_first_name
string
contact_person_last_name
string
contact_person_mobile_country_code
string
contact_person_mobile_number_only
string
contact_person_email_address
string
stakeholders
Array of object (AccountVerificationStakeholder)
object
roles
Array of string

The stakeholder's role(s) in the business. When a stakeholder is the authorized person (is_authorized_person: true), their roles determine whether the authorized_person_board_resolution_document or authorized_person_letter_of_authorization_document is required — declaring the governing role for the entity type (e.g. BOARD_DIRECTOR, LEGAL_PARTNER, BUSINESS_OWNER, AUTHORIZED_SIGNATORY) waives that document.

string
Valid values[ "BOARD_DIRECTOR", "BUSINESS_OWNER", "LEGAL_PARTNER", "AUTHORIZED_SIGNATORY" ]
first_name
string
last_name
string
nationality
string

ISO 3166-1 alpha-2 country code

date_of_birth
string

Format YYYY-MM-DD

address
object (AccountVerificationAddress)
street_line_1
string
street_line_2
string
city
string
district
string

Required for ID, TH, VN

sub_district
string

Required for ID, TH

province
string

Required for ID, TH, PH, VN

state
string

Required for PH, MY

ward
string

Required for VN

postal_code
string
country_code
string

ISO 3166-1 alpha-2 country code

is_authorized_person
boolean
Defaultfalse
identification
Array of object (AccountVerificationIdentification)
object
type
string

Country-specific identification type, e.g. PASSPORT, HK_NATIONAL_ID, ID_NATIONAL_ID_KTP

number
string
document_front
object (AccountVerificationFile)

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
document_back
object (AccountVerificationFile)

A document uploaded with the Upload File API (POST /files, purpose KYC_DOCUMENT)

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
proof_of_residency_document
object

Proof of the stakeholder's residential address. Required when the stakeholder's identification document does not itself contain a residential address (e.g. a passport or Hong Kong ID).

file_name
string
ExampleCertificate of Incorporation.pdf
file_id
string
Examplefile-c7bdf24b-738d-4c47-a919-55479daf7603
shareholders_include_corporate_entity
boolean

Whether any of the business's shareholders is a corporate entity (rather than an individual). When true, business_shareholding_chart_document is required.

400
Error code Description
INVALID_DATA_SUBMITTED A field value is invalid or a required field is missing for the given country and entity type
object
error_code
string
message
string
401
Error code Description
INVALID_API_KEY The API key is missing or invalid
object
error_code
string
message
string
403
Error code Description
REQUEST_FORBIDDEN_ERROR The API key does not have permission to perform this request
object
error_code
string
message
string
404
Error code Description
XEN_PLATFORM_SUB_ACCOUNT_NOT_LIVE The sub-account referenced by for-user-id does not exist or is not live
object
error_code
string
message
string
500
Error code Description
SERVER_ERROR An unexpected error occurred — retry or contact support
object
error_code
string
message
string