Request payment channel capabilities

Once your account has passed verification and the Account Holder verification status is PASSED, you can start requesting capabilities for your Accounts. You will be notified via webhook when the verification for your sub-account is successful.

To do this, you will need to use the Update Account Holder endpoint and input the capability’s type and channel_code.

PATCH https://api.xendit.co/account_holders/{{account-holder-id}}

{
    "capabilities": [
        {
            "type": "MONEY_IN",
            "channel_code": "GCASH"
        },
        {
            "type": "MONEY_IN",
            "channel_code": "PH_CARDS"
        }
    ]
}

If all requirements for the payment channels are already present in your Account Holder object, the verification process will begin. We will send you a webhook once there is a status update on the capabilities request.

Requirements for PH cards

There are additional requirements for PH_CARDS in the example below, regardless of what is chosen for can_accept_usd or can_accept_recurring:

• Tax identification number of each individual is required

• A minimum of 1 Incorporator and 1 PIC is required for individual_details (`type` and role parameters)

• An address object is required for each individual_details

Below is a sample request payload to request a Cards capability for a a Philippines corporation merchant

PATCH https://api.xendit.co/account_holders/{{account-holder-id}}

{
   "business_detail": {
       "can_accept_usd": true,
       "can_accept_recurring": true,
       "projected_monthly_transaction_count": 10,
       "average_monthly_basket_size": 10,
       "tax_identification_number": "123456789"
   },
   "individual_details": [
       {
           "given_names": "test",
           "surname": "test",
           "phone_number": "+639191234567",
           "email": "mail@domain.co",
           "nationality": "PH",
           "place_of_birth": "PH",
           "date_of_birth": "2000-02-02",
           "gender": "MALE",
           "address": {
               "country": "PH",
               "district": "Quezon City",
               "sub_district": "U.P. campus",
               "street_line1": "incorporator street line 1",
               "street_line2": "incorporator street line 2",
               "city": "Manila",
               "province_state": "Metro Manila",
               "postal_code": "12345"
           },
           "tax_identification_number": "12345678",
           "type": "INCORPORATOR",
           "role": "owner"
       },
       {
           "phone_number": "+639191234567",
           "type": "PIC",
           "role": "contact person"
       }
   ],
   "capabilities": [{
       "type": "MONEY_IN",
       "channel_code": "PH_CARDS"
   }]
}