# KYC checks diagram

<figure><img src="https://content.gitbook.com/content/z4bIs7jkRtsghj4Pgs6Z/blobs/lcO0iAWGBfjC6blh6L2O/kyc-flow-detailed-v5-framed.png" alt=""><figcaption><p>KYC flow for onramp payment (KYC states highlighted)</p></figcaption></figure>

## **KYC processing steps**

XGateway facilitates seamless KYC (Know Your Customer) checks through integrations with trusted KYC providers. This flow is embedded within the checkout process and operates as follows:

1. **Quick Status Check**:
   * Users who have previously completed KYC are redirected directly to the payment processing page.
2. **Eligibility for Simplified Flow**:
   * Users without prior KYC status are not eligible for the simplified flow and main KYC process starts for them.
3. **Simplified Flow Completion**:
   * If eligible for the simplified flow, the KYC process concludes, and the user is redirected to the payment processing page.
   * Otherwise, the user's status changes to <mark style="background-color:orange;">**KYC\_NEEDED**</mark>, initiating the main KYC process.
4. **KYC Data Submission**:
   * The user is redirected to a KYC request form to input their details. Their status changes to <mark style="background-color:orange;">**KYC\_PENDING**</mark>, and additional rules may expedite processing where possible.
5. **KYC Token Check**:
   * XGateway performs a token check to determine if previously submitted KYC data can be reused.
   * If the token check fails, the user’s status changes to <mark style="background-color:orange;">**PENDING\_KYC\_DATA**</mark>, and the checkout page integrates securely with the KYC provider for data submission.
6. **Inline KYC Data Collection**:
   * Data collection may involve multiple steps and can take some time, though most checks are completed automatically within minutes.
7. **Callback and Status Update**:
   * Upon successful verification, the user’s status changes to <mark style="background-color:orange;">**FULL\_USER**</mark>, and the invoice activation process begins.
8. **Unsuccessful Verification**:
   * Failed verification result in one of two statuses:
     * <mark style="background-color:orange;">**SOFT\_KYC\_FAILED**</mark>: Recoverable errors, such as incorrect or incomplete user data. XGateway provides an inline patch form, allowing users to correct and resubmit their data, with multiple retries if needed.
     * <mark style="background-color:orange;">**HARD\_FAIL**</mark>: Indicates a suspicious user or one deemed ineligible for the transaction. This results in a failure page at checkout, invoice cancellation, and merchant notification. While the user may escalate the issue to technical support, the likelihood of a positive outcome is low.