Know Your Customer (KYC) verification

Introduction

Know Your Customer (KYC) describes the process of verifying customers and the nature of their transactions to protect financial institutions against fraud and money laundering.

It may involve the following:

Checking the customer's identity;
Understanding the customer's activities in relation to financial transactions and payments;
Establishing the source of funds, etc.

KYC verification can be applied to both offline and online financial transactions. For online payment processing, your acquiring bank might ask you to submit additional KYC data of your customers in API requests.

Handling the KYC data

Demo PSP does not collect the KYC details on the payment widget. Please collect the necessary information on your end and submit it in requests.

When the KYC parameters of a customer are sent in requests, the Demo PSP system is considered as entitled to process and transmit them to the processing network and your acquirer.

Demo PSP is not responsible for the accuracy of the received KYC details. We make neither the validation, nor the verification of the KYC parameters.

Submitting the KYC data

If required, add the KYC data to the additional_data section of your API requests to make a payment, an authorization or a charge request, as well as to create a payment token and to initiate a payment widget.

Example of the KYC section in the request

{
  "request":{
    ....
        "additional_data":{
            "customer_id_data": {
                "document_type": "foreign_passport",
                "document_series": "MR",
                "document_number": "1234567",
                "document_country": "US",
                "personal_number": "12345",
                "issuer": "HM Passport Office",
                "issue_date": "2016-05-24",
                "expiry_date": "2026-05-24"
            },
            "kyc_answers": {
                "source": "DEMO COMPANY",
                "answers": {                        
                    "countries_citizenship": [
                        "GB"
                    ],                        
                    "using_on_behalf": false,
                    "not_usa_tax_payer": true,
                    "agreed": true,
                    "first_name": "Dmitry",
                    "last_name": "Ivanov",
                    "middle_name": "Valentinovich",
                    "first_name_ru": "Дмитрий",
                    "last_name_ru": "Иванов",
                    "middle_name_ru": "Валентинович",
                    "birth_address" : "London, 45-1 First Street",
                    "registration_district": "Central London"
                }
            }
        }
    ....    
  }
}

The supported parameters are listed below.

Info

Contact the Tech Support Team to confirm whether you need to submit the KYC section and what parameters are required.

object
Section of additional information about the payment.

object
Information about the customer's personal identity document.

document_type	string (50) Type of the ID document. Please note that to successfully pass the verification, you must provide the details of the same document that was used when the payment card was issued by the issuer.
document_series	string (20) Series of the ID document. The parameter is not sent if the series is already included in the `document_number` parameter.
document_number	string (50) Number of the ID document.
document_country	string (2) Country that issued the ID document in ISO 3166-1 alpha-2 format.
personal_number	string (50) Personal number specified in the ID document.
issuer	string (255) Document issuing authority.
issue_date	string Issue date of the ID document in the ISO 8601 `YYYY-MM-DD` format.
expiry_date	string Expiration date of the ID document in the ISO 8601 `YYYY-MM-DD` format.

object
Section of the customer's KYC (Know Your Customer) data. Contact Tech Support Team to check if your acquirer requires the section parameters.

source

string
Company or shop name of the merchant responsible for collecting the customer's KYC data.

object
Section containing the customer's KYC data.

not_usa_tax_payer	boolean `true`, if the customer is not a US tax resident.
countries_citizenship	array [string (2)] Customer's country of residence. Submit it in the ISO 3166-1 alpha-2 format.
using_on_behalf	boolean Parameter indicating whether the customer makes a transaction on behalf of a third party. Possible values: `true`; `false`
agreed	boolean Confirmation of consent.
first_name	string (100) Customer's first name in Latin letters.
last_name	string (100) Customer's last name in Latin letters.
middle_name	string (100) Customer's middle name in Latin letters.
first_name_ru	string (100) Customer's first name in Russian.
last_name_ru	string (100) Customer's last name in Russian.
middle_name_ru	string (100) Customer's patronymic in Russian.
birth_address	string Customer's place of birth.
registration_district	string Customer's district of registration.

Possible values for the `document_type` parameter


`document_type` parameter value	Description of the `document_type` parameter value
`passport`	Passport
`international_passport`	International passport
`foreign_passport`	Foreign citizen’s passport
`id_card`	Identity card (ID card)
`driver_license`	Driver's license
`residence_permit`	Residence permit for a foreign citizen (regular)
`residence_permit_refugee`	Refugee residence permit (regular)
`residence_permit_bio_refugee`	Refugee residence permit (biometric)
`residence_permit_bio_stateless`	Stateless person’s residence permit (biometric)
`temporary_residence_permit`	Temporary residence permit
`temporary_identity_card`	Temporary identity card
`military_identity_card`	Military service ID card
`military_id`	Military ID
`refugee_certificate`	Refugee certificate
`temporary_asylum_certificate`	Temporary asylum certificate
`resettler_certificate`	Resettler certificate or applicant for status
`travel_document_foreign`	Travel document of a foreign citizen
`migration_card`	Migration card
`seafarer_passport`	Seafarer’s passport / seafarer’s identity card
`diplomatic_certificate`	Diplomatic identity card
`return_certificate`	Return certificate
`other`	Other identity document