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SEPA Secure - No-Invoice integration#

Data and Integration flows#

Data flow

  1. Request KYC for a customer
    • Wait for KYC callback or poll KYC status.
  2. Create bank account if the KYC is successful.
  3. Wait for account callback or poll account data.
  4. Polling should be done on the same API as creation.

Integration flow

  1. Request KYC for a customer
  2. Display the URL to the customer
  3. Customer passes the KYC
  4. On success or failure - redirection to a merchant page
  5. KYC status is available via callback or polling
  6. If the KYC is FULL_USER - create a bank account
  7. Bank account status is available via callback or polling
  8. Display the bank account on the merchant page

Customer flow#

Customer flow on XGW includes only KYC-related pages.

SEPA secure flow
SEPA secure flow

APIs overview#

Request KYC for a customer - cURL
Replace <customer-id> with the real value, and <your-api-key> placeholder with your demo API key to execute it 
curl --location 'https://api.xgateway.tech/api/v2/customer/<customer_id>/bank-transfer/kyc/initiate' \
--header 'Accept: application/json' \
--header 'x-api-key: <your-api-key>' \
--header 'Content-Type: application/json' \
--data '{
    "locale": "en"
}'
POST

Retrieve customer KYC details#

GET

Create bank transfer account#

POST

Retrieve bank transfer details#

GET