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Upload KYC documents#

The following API allows a merchant to upload customer's documents for KYC within a host-to-host SEPA Secure flow (see the full description under the api specification section down below)

PUT /customer/{id}/bank-transfer/kyc/document

General requirements#

In order for a customer to pass a KYC, at least 3 documents must be provided by a merchant:

  • Photo: SELFIE
  • Document ID (one of the following): PASSPORT, ID_CARD, DRIVERS, RESIDENCE_PERMIT
  • Proof of address: UTILITY_BILL (There are a few other options - see the acceptable proof of address documents section down below)

Please avoid screenshots or cropped images — they will not be accepted!

Documents must also follow these rules:

  • DRIVERS, ID_CARD - it is required to upload two sides
    • Use documentSubType parameter with FRONT_SIDE / BACK_SIDE values
  • SELFIE, PASSPORT, UTILITY_BILL - it is required to upload one side
  • RESIDENCE_PERMIT - can be one or two sides

The documents are not registered in SumSub after the upload is done. It is required to trigger the verification endpoint to start identity verification

Document quality #

Submitted documents should meet the following criteria:

  • Official and unexpired (passports, national IDs, etc.) and valid for at least 1 more month
  • Fully visible — no cut-off edges, glare, or blur
  • Not screenshots — original files or clear photos only
    • No edited, cropped, or screenshot versions
  • Correct file format: JPG, PNG, or PDF, under 50MB
  • Proof of address must be issued within the last 3 months and clearly show the client’s name and address.

Acceptable Proof of Identity Documents#

  • Passport
  • National ID card
  • Driver’s license
  • Residence permit

All documents must:

  • Be valid for at least 1 more month
  • Have no visible damage on them (no tears, marks)
  • Show the entire document, including all 4 corners
  • Be unaltered and legible
  • Be submitted as high quality photo/scan of the original document

Acceptable Proof of Address Documents#

A valid document verifying the user's residential address, for example

  • Recent utility bill (electricity, gas, internet)
  • Bank or credit card statement
  • Local or national tax letter (issued within the past 12 months)
  • Mortgage or rental agreement
  • Official correspondence from a government authority
  • Voter registration certificate

All documents must:

  • Clearly show the full name, residential address, and issue date
  • Be issued within the last 3 months
  • Be unaltered and legible
  • Be submitted as a PDF or a photo/scan of the original document

API specification#

PUT