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.

Additional requirements for Philippine cards with USD acceptance

There are additional requirements for PH_CARDS with USD acceptance in the example below:

• 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": "121212"
   },
   "individual_details": [
       {
           "given_names": "test",
           "surname": "test",
           "phone_number": "+639191234567",
           "email": "ali+ph+test@xendit.co",
           "nationality": "PH",
           "place_of_birth": "PH",
           "date_of_birth": "2000-02-02T19:00:00.000Z",
           "gender": "MALE",
           "address": {
               "country": "PH",
               "district": "incorporator district",
               "sub_district": "incorporator sub district",
               "street_line1": "incorporator street line 1",
               "street_line2": "incorporator street line 2",
               "city": "incorporator city",
               "province_state": "incorporator province state",
               "postal_code": "incorporator postal code"
           },
           "tax_identification_number": "12345678",
           "type": "INCORPORATOR",
           "role": "owner"
       },
       {
           "phone_number": "+639191234567",
           "type": "PIC",
           "role": "contact person"
       }
   ],
   "capabilities": [{
       "type": "MONEY_IN",
       "channel_code": "PH_CARDS"
   }]
}