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SumSub KYC Token sharing#

SumSub flow via exporting the KYC applicant.

This flow is disabled by default and only supported for merchants signing a special contract. Contact customer support team for more information.

This flow does not skip KYC on XGateway side. Any missing information, including liveness check, PoA, accepting XGateway and XGateway partners T&C will still be required from the customer.

Testing this flow on Demo requires generation of tokens on SumSub sandbox environment.
Succesfull testing is not guaranteed, as it relies on SumSub sandbox environment.

The flow includes the following steps:

  1. Generate the token of the applicant on SumSub side. The customer should already have the KYC passed
  2. Create bank account for the customer
  3. Export KYC applicant with the same external customer id
  4. Check that KYC applicant is exported successfully
    • If the user status is NOT KYC_FULL_USER - request a KYC link and ask the customer to finish the KYC by filling the missing details
  5. Check the bank account status and retrieve bank account data for a customer before showing the IBAN to the customer
    • Funds sent to the IBAN of a user with status different from KYC_FULL_USER will be bounced back

API requests#

This section includes API description of evey endpoint needed to get the bank account details via token sharing.

Create a bank transfer account for a customer#

POST

Export a KYC applicant from external provider#

POST

Retrieve the details of a KYC application of a specific customer#

GET
POST

Retrieve bank transfer details for all accounts of a customer#

GET