Verifying Sub-Accounts

Using the Account Holder Object

Learn how to submit required documents and get your Partner Accounts verified.

Start the onboarding process of your Partner Account by creating an Account Holder. Account Holder is an object that represents the legal entity of your Partner which constitutes legal information and legal documents so that Xendit can verify the legitimacy of the Accounts that you onboarded to your Platform.

Creating an Account Holder for your Partners may be required in either one or both of the following scenarios:

You are a platform / reseller merchant
- This means that you onboard non-affiliated Partner accounts to Xendit and provide them with access to money-in and/or money out payment flows
- Example: PoS systems, Payment Resellers, SaaS
- You would like to activate a payment channel that requires an additional verification process to create credential for your Partner accounts
Example: Gcash, Cards UBP, Cards Maya

Supported Countries and Capabilities

	Create and Link Account Holder	Money-in Capabilities
Philippines	✅	Credit Cards, GCash
Thailand	✅	Credit Cards
Indonesia	✅	Coming Soon

INFO

Account Holder is currently only compatible with the Owned account type

Flow and Implementation

After you created an Owned sub-account, you will need to follow the steps below in order to complete your Partner's onboarding verification process:

1. Create Account Holder

Use the Platform account’s API key (with write API key permission for Account Holder and create Account Holder. You will need to fill in the required parameters according to your entity type. Upon successful creation, we will return account_holder_id

First, you will need to identify the entity type of your Partners, as the required documents will differ according to the entity type.
- Required parameters are available below for each country and entity type
You will also need to get a your Partners to sign a Service Agreement with Xendit. We provide this template upon request, please contact help@xendit.co
Next, you will also need to use the upload file API in order to upload the documents you collected from your Partners to Xendit.
Lastly, you will need to collect these information from your Partners, and then forward them to Xendit via API using the Account Holder endpoint. Click here to view our API reference.

Required Parameters for Philippines

Parameter	Type	Description
business_detail	object	An object containing the details of your partner’s business - type: The entity type (CORPORATION, INDIVIDUAL, SOLE_PROPRIETORSHIP, PARTNERSHIP, FOREIGN_SEC, FOREIGN_NONSEC) - legal_name - trading_name - description - industry_category - date_of_registration - country_of_operation
individual_details	array (object)	An array of objects containing the details of your partner’s business personnel: - role - type: PIC or INCORPORATOR (requires one PIC) - given_names - surname - phone_number - email - nationality: PH - place_of_birth - date_of_birth - gender: male, female, other - tax_identification_number: Required for Cards channel - address: An object similar to the address object below for the individual. This is only required when they need to activate Cards with USD or recurring capabilities.
address	object	Your business' address: - city - country - district - postal_code - street_line1 - street_line2 - sub_district - province_state
kyc_documents	array (object)	An array of objects containing required KYC documents uploaded via File Upload: - type: One of the KYC Document Types required below, matching the country and entity type - country: The country code matching the business' country - file_id: The file ID returned from the File Upload API - expires_at: Optional expiry date of the document if relevant. Format YYYY-MM-DD
website_url	string	The website associated with the business
phone_number	string	The phone number associated with the business
email	string	The email address associated with the business

Required Parameters for Thailand

Parameter	Type	Description
business_detail	object	An object containing the details of your partner’s business - type: The entity type (e.g. CORPORATION) - legal_name - trading_name - description - industry_category - date_of_registration - country_of_operation - tax_identification_number
individual_details	array (object)	An array of objects containing the details of your partner’s business personnel: - role - type: PIC or INCORPORATOR (requires one PIC) - given_names - surname - phone_number - email - nationality: TH
address	object	Your business' address: - city - country - district - postal_code - street_line1 - street_line2 - sub_district - province_state
kyc_documents	array (object)	An array of objects containing required KYC documents uploaded via File Upload: - type: One of the KYC Document Types required below, matching the country and entity type - country: The country code matching the business' country - file_id: The file ID returned from the File Upload API - expires_at: Optional expiry date of the document if relevant. Format YYYY-MM-DD
website_url	string	The website associated with the business
phone_number	string	The phone number associated with the business
email	string	The email address associated with the business

Required Parameters for Indonesia

Parameter	Type	Description
business_detail	object	An object containing the details of your partner’s business - type: The entity type (e.g. CORPORATION) - legal_name - trading_name - description - industry_category - tax_identification_number - business_identification_number: NIB - initial_deed_of_establishment_status: UNCHANGED or CHANGED - country_of_operation
individual_details	array (object)	An array of objects containing the details of your partner’s business personnel: - role - type: PIC or INCORPORATOR (requires one PIC) - given_names - surname - phone_number - email - passport_number - ktp_number
address	object	Your business' address: - city - country - district - postal_code - street_line1 - street_line2 - sub_district - province_state
kyc_documents	array (object)	An array of objects containing required KYC documents uploaded via File Upload: - type: One of the KYC Document Types required below, matching the country and entity type - country: The country code matching the business' country - file_id: The file ID returned from the File Upload API - expires_at: Optional expiry date of the document if relevant. Format YYYY-MM-DD
website_url	string	The website associated with the business
phone_number	string	The phone number associated with the business
email	string	The email address associated with the business

Required KYC Documents for All Countries

You will need to use the upload file API in order to upload the documents you collected from your Partners to Xendit. Save the returned "id" from the result and provide them in the Account Holder object.

Country	Entity Type	KYC Document Types
Philippines	All Types (additional requirements below for specific entity types)	- SELFIE_WITH_PRIMARY_ID_DOCUMENT or SELFIE_WITH_SECONDARY_ID_2_DOCUMENT - AUTHORIZED_PERSON_SIGNATURE_DOCUMENT - SERVICE_AGREEMENT_DOCUMENT - 1 Primary ID, or 2 Secondary IDs below Primary IDs: AUTHORIZED_PERSON_PASSPORT_DOCUMENT, DRIVER_LICENCE_DOCUMENT, PHILSYS_DOCUMENT, ACR_OR_IMMIGRANT_COR_DOCUMENT, UMID_DOCUMENT, SSS_OR_GSIS_DOCUMENT, PRC_LICENSE_DOCUMENT, POSTAL_ID_DOCUMENT, VOTER_ID_DOCUMENT Secondary IDs: AFP_ID_DOCUMENT, PNP_ID_DOCUMENT, BRF_ID_DOCUMENT, PWD_ID_DOCUMENT, DSWD_CERTIFICATION_DOCUMENT, GSIS_ECARD_DOCUMENT, OFW_ID_DOCUMENT, POLICE_CLEARANCE_DOCUMENT, SEAMAN_BOOK_DOCUMENT
	INDIVIDUAL	No additional requirements
	SOLE_PROPRIETORSHIP	- DTI_REGISTRATION_DOCUMENT - BIR_2303_DOCUMENT
	PARTNERSHIP	- SEC_CERTIFICATE_REGISTRATION_DOCUMENT - ARTICLES_OF_PARTNERSHIP_DOCUMENT - NOTARIZED_PARTNER_CERTIFICATE_DOCUMENT - BIR_2303_DOCUMENT
	CORPORATION	- SEC_CERTIFICATE_REGISTRATION_DOCUMENT - ARTICLES_OF_INCORPORATION_DOCUMENT - NOTARIZED_SECRETARY_CERTIFICATE_DOCUMENT - LATEST_GIS_DOCUMENT - BIR_2303_DOCUMENT
	FOREIGN_NONSEC	- AUTHORIZED_PERSON_PASSPORT_DOCUMENT (as Primary ID) - PROOF_OF_COMPANY_REGISTRATION_DOCUMENT - COUNTRY_ISSUED_BUSINESS_LICENSE_DOCUMENT - ARTICLES_OF_INCORPORATION_DOCUMENT - BANK_BOOK_SCAN_DOCUMENT - NOTARIZED_SECRETARY_CERTIFICATE_DOCUMENT
Thailand	PARTNERSHIP, LIMITED_COMPANY, NON_PROFIT, FOREIGN_ENTITY, OTHER	- ID_CARD_DOCUMENT or HOUSE_REGISTRATION_DOCUMENT or PASSPORT_OR_WORK_PERMIT_DOCUMENT - COMPANY_CERTIFICATE_DOCUMENT - BANK_ACCOUNT_DETAILS_DOCUMENT - SHARE_HOLDER_INFORMATION_DOCUMENT - BUSINESS_LICENSE_DOCUMENT (optional) - VAT_REGISTRATION_CERTIFICATE_DOCUMENT (optional) - COMMMERCIAL_REGISTRATION_CERTIFICATE_DOCUMENT (optional) - SERVICE_AGREEMENT_DOCUMENT (optional)
Indonesia	CORPORATION, PARTNERSHIP, UNION, PMA	- AUTHORIZED_PERSON_KTP_DOCUMENT or AUTHORIZED_PERSON_PASSPORT_DOCUMENT - SELFIE_WITH_KTP_DOCUMENT - NIB_DOCUMENT or TDP_DOCUMENT or SIUP_DOCUMENT - DEED_OF_COMPANY_ESTABLISHMENT_DOCUMENT - DEED_WITH_LATEST_BOARD_OF_DIRECTORS_DOCUMENT (if status of initial deed of establishment CHANGED) - DECREE_WITH_LATEST_BOARD_OF_DIRECTORS_DOCUMENT (If status of initial deed of establishment CHANGED) - DECREE_OF_MINISTRY_OF_JUSTICE_AND_ HUMAN_RIGHT_OF_COMPANY_DEED_DOCUMENT (if status of initial deed of establishment CHANGED) - CORPORATE_TAX_ID_DOCUMENT - SERVICE_AGREEMENT_DOCUMENT
	SOLE_PROPRIETORSHIP	- AUTHORIZED_PERSON_KTP_DOCUMENT or AUTHORIZED_PERSON_PASSPORT_DOCUMENT - SELFIE_WITH_KTP_DOCUMENT - NIB_DOCUMENT or TDP_DOCUMENT or SIUP_DOCUMENT - SOLE_PROPRIETORSHIP_ESTABLISHMENT_STATEMENT_DOCUMENT - SOLE_PROPRIETORSHIP_CERTIFICATE_OF_REGISTRATION_DOCUMENT - CORPORATE_TAX_ID_DOCUMENT - SERVICE_AGREEMENT_DOCUMENT
	FOREIGN_ENTITY	- AUTHORIZED_PERSON_PASSPORT_DOCUMENT - SELFIE_WITH_KTP_DOCUMENT - CORPORATE_REGISTRY_DOCUMENTATION_DOCUMENT - COUNTRY_ISSUED_BUSINESS_LICENSE_DOCUMENT - SHARE_HOLDER_INFORMATION_DOCUMENT - DEED_OF_COMPANY_ESTABLISHMENT_DOCUMENT - CORPORATE_TAX_ID_DOCUMENT - SERVICE_AGREEMENT_DOCUMENT
	INDIVIDUAL, FOREIGN_INDIVIDUAL	- AUTHORIZED_PERSON_KTP_DOCUMENT or AUTHORIZED_PERSON_PASSPORT_DOCUMENT - SELFIE_WITH_KTP_DOCUMENT - SERVICE_AGREEMENT_DOCUMENT
	NON_PROFIT	- AUTHORIZED_PERSON_KTP_DOCUMENT or AUTHORIZED_PERSON_PASSPORT_DOCUMENT - SELFIE_WITH_KTP_DOCUMENT - NIB_DOCUMENT or TDP_DOCUMENT or SIUP_DOCUMENT - DEED_OF_COMPANY_ESTABLISHMENT_DOCUMENT - DEED_WITH_LATEST_BOARD_OF_DIRECTORS_DOCUMENT (if status of initial deed of establishment CHANGED) - DECREE_WITH_LATEST_BOARD_OF_DIRECTORS_DOCUMENT (if status of initial deed of establishment CHANGED) - DECREE_OF_MINISTRY_OF_JUSTICE_AND_ HUMAN_RIGHT_OF_COMPANY_DEED_DOCUMENT (if status of initial deed of establishment CHANGED) - FOUNDATION_COMPANY_ESTABLISHMENT_STATEMENT_DOCUMENT - CORPORATE_TAX_ID_DOCUMENT - SERVICE_AGREEMENT_DOCUMENT

Sample request payload for a Philippines corporation entity type

POST https://api.xendit.co/account_holders

{
  "business_detail": {
    "type": "CORPORATION",
    "legal_name": "test17",
    "trading_name": "test",
    "description": "testing",
    "industry_category": "ACCOMMODATION",
    "date_of_registration": "2023-02-02",
    "country_of_operation":"PH"
  },
  "individual_details": {
      "role": "owner",
      "type": "PIC",
      "given_names": "test",
      "surname": "test",
      "phone_number": "+63021234567",
      "email": "test@xendit.co",
      "nationality": "PH",
      "place_of_birth": "PH",
      "date_of_birth": "2000-02-02",
      "gender": "MALE"
  },
   "address": {
        "city": "test1",
        "country": "PH",
        "district": "test",
        "postal_code": "1111",
        "street_line1": "test",
        "street_line2": "test",
        "sub_district": "test",
        "province_state": "test"
    },
  "kyc_documents": [
        {
            "type": "SEC_CERTIFICATE_REGISTRATION_DOCUMENT",
            "country": "PH",
            "file_id": "63f8719642f5856dcb142bd2",
        },
        {
            "type": "SELFIE_WITH_PRIMARY_ID_DOCUMENT",
            "country": "PH",
            "file_id": "63f8719642f5856dcb142bd2",
        },
        {
            "type": "ARTICLES_OF_INCORPORATION_DOCUMENT",
            "country": "PH",
            "file_id": "63f8719642f5856dcb142bd2"
        },
        {
            "type": "NOTARIZED_SECRETARY_CERTIFICATE_DOCUMENT",
            "country": "PH",
            "file_id": "63f8719642f5856dcb142bd2"
        },
        {
            "type": "LATEST_GIS_DOCUMENT",
            "country": "PH",
            "file_id": "63f8719642f5856dcb142bd2"
        },
        {
            "type": "SERVICE_AGREEMENT_DOCUMENT",
            "country": "PH",
            "file_id": "63f8719642f5856dcb142bd2"
        }
    ],
  "website_url": "https://xendit.co",
  "phone_number": "+63281234567",
  "email": "test@xendit.co"
}

2. Link Account Holder the Account

Use the Platform account’s API key with write API key permission for Accounts to link Account Holder to the Account. Once you’ve created your Account Holder, you will need to link the Account Holder to your Partner’s Account.

Using the update account endpoint, you will need to link the account_holder_id to a valid business_id that represents your Partner’s Account. You can do this by specifying the account_holder_id on the request body
Note that during this linking process, we will also start the verification process of this Account Holder. This will change the Know Your Customer (KYC) verification status from not_started to verification_in_progress

INFO

During verification process, you may not be able to update information in your Account Holder

PATCH https://api.xendit.co/v2/accounts

{
    "account_holder_id": "3bd4dcdd-e6c0-4057-89bf-58d1564b517b"
}

3. Request Capabilities to the Account

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

To do this, you will need to use the Update Account Holder endpoint and input the capabilities type and channel_code. See the document requirements for money-in capabilities

Supported capabilities:

Country	Type	Channel Codes
Philippines	MONEY_IN	PH_CARDS, GCASH
Thailand	MONEY_IN	TH_CARDS

Request Gcash capabilities

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

PATCH https://api.xendit.co/account_holders

Request Cards capabilities

Note some additional requirements for PH_CARDS in the example below:

tax_identification_number for 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
Both a DIRECTOR_ID and BIR_2303 KYC documents are required

Sample payload for PH Cards:

{
   "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": "12345"
           },
           "tax_identification_number": "12345678",
           "type": "INCORPORATOR",
           "role": "owner"
       },
       {
           "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": "FEMALE",
           "address": {
               "country": "PH",
               "district": "pic district",
               "sub_district": "pic sub district",
               "street_line1": "pic street line 1",
               "street_line2": "pic street line 2",
               "city": "pic city",
               "province_state": "pic province state",
               "postal_code": "12345"
           },
           "tax_identification_number": "12345678",
           "type": "PIC",
           "role": "contact"
       }
   ],
   "kyc_documents": [
       {
           "country": "PH",
           "type": "DIRECTOR_ID",
           "expires_at": "2023-02-02T19:00:00.000Z",
           "file_id": "file-ee6db462-0fda-40e4-be10-2d103a288400"
       },
        {
           "country": "PH",
           "type": "BIR_2303_DOCUMENT",
           "expires_at": "2023-02-02T19:00:00.000Z",
           "file_id": "file-3a07ed8e-8351-4501-a46a-a81840c91adb"
       }
   ],
   "capabilities": [{
       "type": "MONEY_IN",
       "channel_code": "PH_CARDS"
   }]
}

4. Handling Account Holder Callbacks

You can also use the available webhook/callbacks and decide your systems’ response to each event.

Before you start, you will need to make sure that you have set your callback url for xenPlatform - Account Holder.
See guide to set your callback URL from the Xendit dashboard or API

The table below lists and describes the types of webhooks available

Webhook event	Trigger	Description
Accounts KYC verification passed account_holder.kyc.status:passed	When Xendit decides that Account Holder information is sufficient for Account to go live	Platform can use this event to notify their Partners that their Account has passed KYC verification from Xendit
Accounts KYC verification failed account_holder.kyc.status:failed	When Xendit decides that Account Holder does not have sufficient information for Account to go live	Platform an use this event to notify their Partners that their onboarding is declined by Xendit Platform can also use the failure_reason to notify their Partners the reason why their submission is failed
Accounts KYC needs documents resubmission account_holder.kyc.status:resubmission_required	When Xendit requires additional documents so that Platform can resubmit the correct onboarding information	Platform can use this event to notify their Partners that their onboarding information is invalid and needs document resubmission We will also notify Platform via webhook and and specify the invalid fields so that Partners can update the invalid fields with the right information
Capabilities has been activated account_holder.capabilities.status:live	When capabilities has been activated for the Account	Platform can use this event to notify their Partners that the requested capabilities or payment channel have been activated for the Partner’s Account
Capabilities activation request has been declined account_holder.capabilities.status:declined	When capabilities has been declined for the Account and Platform can no longer resubmit	Platform an use this event to notify their Partners that their activation request is declined by Xendit Platform can also use the failure_reason to notify their Partners the reason why their submission is declined
Capabilities activation needs documents resubmission account_holder.capabilities.status:resubmission_required	When Xendit request additional documents so that Platform can resubmit the correct information to activate certain capabilities	Platform can use this event to notify their Partners that their information is invalid and needs resubmission Platform can also use the invalid fields specified in the webhook eventso that Partners can update the invalid fields accordingly

Simulating Webhook Scenarios in Test Mode

You can use these Account Holder IDs as magic numbers to simulate API responses for the webhook scenarios

Endpoints used:

1. Update Accounts
2. Update Account Holders

Scenario	Account Holder ID	Endpoint
Accounts KYC verification passed	00000000-0000-0000-0000-000000000000	PATCH v2/accounts/:id
Accounts KYC verification failed	00000000-0000-0000-0000-111111111111	PATCH v2/accounts/:id
Accounts KYC needs documents resubmission	00000000-0000-0000-0000-222222222222	PATCH v2/accounts/:id
Capabilities has been activated	00000000-0000-0000-0000-333333333333	PATCH account_holders/:id
Capabilities activation request has been declined	00000000-0000-0000-0000-444444444444	PATCH account_holders/:id
Capabilities activation needs documents resubmission	00000000-0000-0000-0000-555555555555	PATCH account_holders/:id

5. Update Account Holder

Use the Platform account’s API key with write API key permission for Account Holder in order to use the Update Account Holder endpoint.

You may be required to Update Account Holder information via API in case you are prompted to revise your document submission. Some examples would be due to: invalid ID, blurry documents, invalid website, etc.

You will receive an Account Holder webhook notification that will give you specific information to update the Account Holder accordingly
Update the Account Holder with the right information or documents as specified in the callback

Sample callback payload

{
    "created": "2021-01-01T10:00:00Z",
    "event": "account_holder.kyc.status",
    "business_id": "5fe2b0137b7d62542fe6d7de",
    "data": {
        "id": "57fb4e076fa3fa296b7f5a97",
        "created": "2021-01-01T10:00:00Z",
        "updated": "2021-01-01T10:00:00Z",
        "kyc: {
            "status": "RESUBMISSION_REQUIRED",
            "verified_at": "2021-01-01T10:00:00Z",
            "requested_at": "2021-01-01T10:00:00Z",
            "failure_reasons": [
                {
                    "field": "website_url",
                    "message": "Website is Invalid"
                }
            ]
        }
    }
}

Sample update Account Holder request

PATCH https://api.xendit.co/account_holders

{
    "website_url": "sample-marketplace.xendit.com"
}

Next steps

Congratulations! You have now completed account verification and activation capabilities, learn more about managing their payments below:

Accepting payments
Managing funds via Transfers or Platform fee
Paying out
Invite Partners to access the Dashboard

Appendix - List of Accepted Values

Industry Categories - All Countries

ACCOUNTING_AUDITING_AND_BOOKKEEPING_SERVICES
ADVERTISING_SERVICES
AGRICULTURAL_COOPERATIVES
ALCOHOLIC_BEVERAGE_WHOLESALERS
AMUSEMENT_PARKS_CIRCUSES_CARNIVALS_AND_FORTUNE_TELLERS
ANTIQUE_REPRODUCTION_SHOPS
ARCHITECTURAL_ENGINEERING_AND_SURVEYING_SERVICES
ART_AND_CRAFTS_NEW
ASSET_MANAGEMENT_COMPANY_NEW
AUCTION
AUTOMATED_FUEL_DISPENSERS
AUTOMOBILE_RENTALS
AUTOMOTIVE_BODY_REPAIR_SHOPS
AUTOMOTIVE_CAR_MOTORCYCLE_BOATS_AND_MISCELLANEOUS_AUTOMOTIVE_EQUIPMENT_DEALER
AUTOMOTIVE_PARTS_AND_ACCESSORIES_OUTLETS
AUTOMOTIVE_REPAIR_WASHES_AND_TOWING_SERVICE
BAKERIES
BANKS
BEAUTY_AND_BARBER_SHOPS
BILLIARD_AND_POOL_ESTABLISHMENTS
BOAT_RENTAL_MARINAS_AND_MARINE_SERVICE_INC_SUPPLIES
BOOKS_AND_STATIONARY
BUSINESS_AND_SECRETARIAL_SCHOOLS
BUYING_AND_SHOPPING_SERVICES_AND_CLUBS
CABLE_AND_OTHER_PAY_TELEVISION_SERVICES
CAMERA_AND_PHOTOGRAPHIC_SUPPLY_SHOPS
CAR_AND_TRUCK_DEALERS_SALES_SERVICES_REPAIRS_PARTS_AND_LEASING
CARPET_AND_UPHOLSTERY_CLEANING
CATERERS
CHARITABLE_AND_SOCIAL_SERVICE_ORGANIZATIONS
CHILD_CARE_SERVICES
CHIROPRACTORS
CIGAR_SHOPS_AND_STANDS
CIVIC_SOCIAL_AND_FRATERNAL_ASSOCIATIONS
CLEANING_MAINTENANCE_AND_JANITORIAL_SERVICES
CLOTHING_RENTALS_COSTUMES_UNIFORMS_AND_FORMAL_WEAR
CLOTHING_STORES
COMMERCIAL_PHOTOGRAPHY_ART_AND_GRAPHICS
COMPUTER_NETWORKINFORMATION_SERVICES
COMPUTER_SOFTWARE_OUTLETS
CONSUMER_CREDIT_REPORTING_AGENCIES
CONTRACTORS_STONEWORK_INSULATION_CAPENTRY_ROOFING_CONCRETE_OTHER
CORRESPONDENCE_SCHOOLS
COSMETIC_SHOPS_EXISTING_BRAND
COSMETIC_SHOPS_OWN_BRAND
COUNSELLING_SERVICES_DEBT_MARRIAGE_AND_PERSONAL
CRYPTOCURRENCY
DANCE_HALLS_STUDIOS_AND_SCHOOLS
DATING_AND_ESCORT_SERVICES
DEALSITES_NON_DIGITAL_VOUCHER
DEALSITES_SELLING_EVOUCHER
DENTAL_LABORATORY_MEDICAL_OPHTHALMIC_HOSPITAL_EQUIPMENT_AND_SUPPLIES
DENTISTS
DEPARTMENT_STORES
DETECTIVE_AGENCIES_PROTECTIVE_AGENCIES_AND_SECURITY_SERVICES_INCLUDING_ARMOURED_CARS_AND_GUARD_DOGS
DIGITAL_GOODS
DIRECT_MARKETING_CATALOGUE_MERCHANTS
DIRECT_MARKETING_COMBINATION_CATALOGUE_AND_RETAIL_MERCHANTS
DIRECT_MARKETING_CONTINUITYSUBSCRIPTION_MERCHANTS
DIRECT_MARKETING_INBOUND_TELEMARKETING_MERCHANTS
DIRECT_MARKETING_INSURANCE_SERVICES
DIRECT_MARKETING_OUTBOUND_TELEMARKETING_MERCHANTS
DISCOUNT_SHOPS
DOORTODOOR_SALES
DRAPERY_WINDOW_COVERING_UPHOLSTERY_FIREPLACES_FIREPLACE_SCREENS_AND_ACCESSORIES_SHOPS
DRINKING_PLACES_ALCOHOLIC_BEVERAGES_BARS_TAVERNS_NIGHTCLUBS_COCKTAIL_LOUNGES_AND_DISCOTHQUES
DRUG_STORES_AND_PHARMACIES
DRUGS_DRUG_PROPRIETORS
DUTYFREE_SHOPS
EATING_PLACES_AND_RESTAURANTS
ECOMMERCE
ELECTRIC_RAZOR_SHOPS_SALES_AND_SERVICE
ELECTRIC_VEHICLE_CHARGING
ELECTRONICS_AND_ACCESSORIES_NEW
ELECTRONICS_REPAIR_SHOPS
EMPLOYMENT_AGENCIES_AND_TEMPORARY_HELP_SERVICES
EQUIPMENT_TOOL_FURNITURE_AND_APPLIANCE_RENTALS_AND_LEASING
EWALLETS
EXTERMINATING_AND_DISINFECTING_SERVICES
FAST_FOOD_RESTAURANTS
FINANCIAL_INSTITUTIONS_AUTOMATED_CASH_DISBURSEMENTS
FINANCIAL_INSTITUTIONS_MANUAL_CASH_DISBURSEMENTS
FINANCIAL_INSTITUTIONS_MERCHANDISE_AND_SERVICES
FIREPLACES_FIREPLACE_SCREENS_AND_ACCESSORIES_SHOPS
FLOOR_COVERING_SERVICES
FLORISTS
FLORISTS_SUPPLIES_NURSERY_STOCK_AND_FLOWERS
FUEL_DEALERS_FUEL_OIL_WOOD_COAL_AND_LIQUEFIED_PETROLEUM
FUNERAL_SERVICES_AND_CREMATORIUMS
FURNITURE_HOME_FURNISHINGS_AND_EQUIPMENT_SHOPS_AND_MANUFACTURERS_EXCEPT_APPLIANCES
GENERAL_CONTRACTORS_RESIDENTIAL_AND_COMMERCIAL
GIFT_CARD_NOVELTY_AND_SOUVENIR_SHOPS
GLASSWARE_AND_CRYSTAL_SHOPS
HAJ_AND_UMRAH_PROVIDER_NEW
HEALTH_AND_BEAUTY_SPAS
HEALTH_SUPPLEMENT_SELLING_OWN_BRAND
HEARING_AIDS_ORTHOPAEDIC_GOODS_AND_PROSTHETIC_DEVICES_SALES_SERVICE_AND_SUPPLIES
HEATING_PLUMBING_AND_AIRCONDITIONING_CONTRACTORS
HOBBY_TOY_AND_GAME_SHOPS
HOME_SUPPLY_HARDWARE_AND_OTHER_BUILDING_MATERIALS
HOSPITALS
HOUSEHOLD_APPLICANCES_HOME_FURNISHING_AND_ELECTRONICS_SHOPS
INSURANCE_SALES_UNDERWRITING_AND_PREMIUMS
INSURTECH
INTERNET_SERVICE_PROVIDER_NEW
INVESTMENT_SERVICES_NEW
IT_SERVICES_NEW
JEWELLERY_WATCH_CLOCK_AND_SILVERWARE_SHOPS
LANDSCAPING_AND_HORTICULTURAL_SERVICES
LAUNDRY_CLEANING_AND_GARMENT_SERVICES
LAWN_AND_GARDEN_SUPPLIES_OUTLETS_INCLUDING_NURSERIES
LEGAL_SERVICES_AND_ATTORNEYS
LENDING
LOCAL_AND_SUBURBAN_COMMUTER_PASSENGER_TRANSPORTATION_INCLUDING_FERRIES
LODGING_HOTELS_MOTELS_AND_RESORTS
LUGGAGE_AND_LEATHER_GOODS_SHOPS
MANAGEMENT_CONSULTING_AND_PUBLIC_RELATIONS_SERVICES
MARKETPLACE_NEW
MASSAGE_PARLOURS
MEDICAL_AND_DENTAL_LABORATORIES
MEMBERSHIP_CLUBS_SPORTS_RECREATION_ATHLETIC_COUNTRY_CLUBS_AND_PRIVATE_GOLF_COURSES
METAL_SERVICE_CENTRES_AND_OFFICES
MISCELLANEOUS_AND_SPECIALITY_RETAIL_OUTLETS
MISCELLANEOUS_APPAREL_AND_ACCESSORY_SHOPS
MISCELLANEOUS_FOOD_SHOPS_CONVENIENCE_AND_SPECIALITY_RETAIL_OUTLETS
MISCELLANEOUS_GENERAL_MERCHANDISE
MISCELLANEOUS_REPAIR_SHOPS_AND_RELATED_SERVICES
MOBILE_HOME_DEALERS
MONTHLY_SUMMARY_TELEPHONE_CHARGES
MOTION_PICTURE_THEATRES
MOTOR_FREIGHT_CARRIERS_AND_TRUCKING_LOCAL_AND_LONG_DISTANCE_MOVING_AND_STORAGE_COMPANIES_AND_LOCAL_DELIVERY
MOTOR_VEHICLE_SUPPLIES_AND_NEW_PARTS
MULTI_FINANCE_COMPANY
MULTI_LEVEL_MARKETING_NEW
MUSIC_SHOPS_MUSICAL_INSTRUMENTS_PIANOS_AND_SHEET_MUSIC
NEWSAGENTS_AND_NEWSSTANDS
NON_FINANCIAL_INSTITUTIONS_FOREIGN_CURRENCY_MONEY_ORDERS_NOT_WIRE_TRANSFER_SCRIP_AND_TRAVELLERS_CHECKS
NURSING_AND_PERSONAL_CARE_FACILITIES
OFFICE_AND_COMMERCIAL_FURNITURE
OFFICE_PHOTOGRAPHIC_COMMERCIAL_EQUIPMENT_AND_OTHER_INDUSTRIAL_SUPPLIES
OPTICIANS_OPTICAL_GOODS_AND_EYEGLASSES
OPTOMETRISTS_AND_OPHTHALMOLOGISTS
OSTEOPATHS
OTHER_BUSINESS_SERVICES
OTHER_CHEMICALS_AND_ALLIED_PRODUCTS
OTHER_CONSTRUCTION_MATERIALS
OTHER_DIRECT_MARKETINGDIRECT_MARKETERS
OTHER_DOCTORS_AND_PHYSICIANS
OTHER_DURABLE_GOODS
OTHER_GOVERNMENT_SERVICES
OTHER_MEDICAL_SERVICES_AND_HEALTH_PRACTITIONERS
OTHER_MEMBERSHIP_ORGANIZATIONS
OTHER_MISCELLANEOUS_PERSONAL_SERVICES
OTHER_NONDURABLE_GOODS
OTHER_PROFESSIONAL_SERVICES
OTHER_RECREATION_SERVICES
OTHER_TRANSPORTATION_SERVICES
PACKAGE_SHOPS_BEER_WINE_AND_LIQUOR
PARKING_LOTS_AND_GARAGES
PAWN_SHOPS
PAYMENT_GATEWAY_NEW
PEERTOPEER_LENDING
PET_SHOPS_PET_FOOD_AND_SUPPLIES
PETROLEUM_AND_PETROLEUM_PRODUCTS
PHOTOFINISHING_LABORATORIES_AND_PHOTO_DEVELOPING
PHOTOGRAPHIC_STUDIOS
PIECE_GOODS_NOTIONS_AND_OTHER_DRY_GOODS
PLUMBING_AND_HEATING_EQUIPMENT_AND_SUPPLIES
PODIATRISTS_AND_CHIROPODISTS
POLITICAL_ORGANIZATIONS
PRECIOUS_STONES_AND_METALS_WATCHES_AND_JEWELLERY
PUBLIC_WAREHOUSING_AND_STORAGE_FARM_PRODUCTS_REFRIGERATED_GOODS_AND_HOUSEHOLD_GOODS
REAL_ESTATE_AGENTS_AND_MANAGERS
RECORD_SHOPS
RELIGIOUS_GOODS_AND_SHOPS
RELIGIOUS_ORGANIZATIONS
REMITTANCE_NEW
RIDE_SHARING_NEW
SCHOOLS_UNIVERSITY_AND_EDUCATIONAL_SERVICE_INC_TRADE_AND_VOCATIONAL_SCHOOL
SECURITIES_BROKERS_AND_DEALERS
SERVICE_STATIONS_WITH_OR_WITHOUT_ANCILLARY_SERVICES
SEWING_NEEDLEWORK_FABRIC_AND_PIECE_GOODS_SHOPS
SHOE_REPAIR_SHOPS_SHOE_SHINE_PARLOURS_AND_HAT_CLEANING_SHOPS
SHOE_SHOPS
SPECIALITY_CLEANING_POLISHING_AND_SANITATION_PREPARATIONS
SPORTING_AND_RECREATIONAL_CAMPS
SPORTING_GOODS_NEW
SPORTS_AND_RIDING_APPAREL_SHOPS
SUPERMARKET_CONVENIENCE_STORES_CONFECTIONERY_SHOPS_AND_BUTCHERY
SWIMMING_POOLS_SALES_SUPPLIES_AND_SERVICES
TAILORS_SEAMSTRESSES_MENDING_AND_ALTERATIONS
TAX_PAYMENTS
TAX_PREPARATION_SERVICES
TAXICABS_AND_LIMOUSINES
TELECOMMUNICATION_EQUIPMENT_AND_TELEPHONE_SALES
TELECOMMUNICATION_SERVICES_INCLUDING_LOCAL_AND_LONG_DISTANCE_CALLS_CREDIT_CARD_CALLS_CALLS_THROUGH_USE_OF_MAGNETIC_STRIPE_READING_TELEPHONES_AND_FAXES
TELEGRAPH_SERVICES
TELEMARKETING_TRAVEL_RELATED_ARRANGEMENT_SERVICES
TENT_AND_AWNING_SHOPS
TESTING_LABORATORIES_NONMEDICAL
THEATRICAL_PRODUCERS_EXCEPT_MOTION_PICTURES_AND_TICKET_AGENCIES
TIMESHARES
TOLLS_AND_BRIDGE_FEES
TOURIST_ATTRACTIONS_AND_EXHIBITS
TRAILER_PARKS_AND_CAMPSITES
TRAINING_ONLINE_INCLASS_SHORT_COURSES
TRAVEL_AGENCIES_AND_TOUR_OPERATORS
TRUCK_AND_UTILITY_TRAILER_RENTALS
TYPEWRITER_OUTLETS_SALES_SERVICE_AND_RENTALS
UNIFORM_AND_COMMERCIAL_CLOTHING
UTILITIES_ELECTRIC_GAS_WATER_AND_SANITARY
VETERINARY_SERVICES
VIDEO_AMUSEMENT_GAME_SUPPLIES
VIDEO_GAME_ARCADES_AND_ESTABLISHMENTS
VIDEO_TAPE_RENTALS
WELDING_SERVICES
WIRE_TRANSFERS_AND_MONEY_ORDERS
WRECKING_AND_SALVAGE_YARDS
ZAKAT_COLLECTION_NEW

Industry Categories - Indonesia-specific

BANK_PERKREDITAN_RAKYAT_BPR
KOPERASI_SIMPAN_PINJAM_NEW

Last Updated on 2025-05-27

Using the Account Holder Object
Supported Countries and Capabilities
Flow and Implementation