SEPA Secure withdrawal initiation
A full SEPA Secure withdrawal flow includes the following steps:
Create a customer account and KYC applicant for a new customer
Pass KYC, if the customer has not passed it yet
Create a Destination Bank Account (DBA), where the funds will be sent to
Trigger a withdrawal
In order to provide a maximum flexibility, the XGateway offers separate API endpoints for each of the actions as well as an option to pass through the flow using UI.
VPN usage may block a customer from passing KYC checks. It is highly recommended to warn customers not to use VPN (including Apple Private Relay).
SEPA Secure withdrawal flow via API (host-to-host)
SumSubSDK KYC part remains UI-only. Check the host-to-host option to omit this step
The flow can be used if a merchant already has the majority of customer information or wants to build their own UI.
Step 1 needs to be finished only once and only if SumSub token sharing is not implemented.
Step 2 also includes API endpoints for DBA management.
Steps for host-to-host withdrawal flow
KYC module
Trigger KYC module checkout link to get the page with SumSub SDK to show to the customer
Complete KYC via UI
DBA module
Trigger a withdrawal
Make sure that you control the result of execution of each API request. If one of the requests fails - all the subsequent requests will also fail. Instead, setup a retry mechanism where necessary.
Note, that there the KYC needs to be passed only once. There is no need to trigger the API endpoints before every deposit.
SEPA Secure withdrawal flow through UI
The UI-based flow includes all the steps from host-to-host flow. The data needs to be manually input by a customer.
Steps for UI flow
DBA module
Complete the KYC and setup the DBA via UI
Trigger a withdrawal
Testing the withdrawal callback
The Demo Environment provides and API to simulate a deposit.
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