In the Partner conducted KYC mode, the partner collects and verifies the KYC information from cardholders, which is then supplied to Immersive via API (name, date of birth, ID details, etc).
Partner account must be configured to allow partner conducted KYC checks. This is subject to an agreement between Immersve and the partner. Ask Immersve support for more details.
Although Immersive still performs KYC checks on these details, we rely on the partner for verification of document scans and the cardholder's identity.
If Immersve already has complete KYC information for the individual owning the wallet, in any of the regions supported by the requested card program, the user will not be required to go through KYC.
Once Immersve has received and checked the KYC information for an Individual, the supported region associated with the wallet of the individual cannot be changed.
In the event that an individual wished to go through KYC in another supported region, a new wallet would be required.
Partner Conducted KYC is not currently supported in EU regions.
Below, we've outlined the steps for completion of this verification process, assuming all necessary details, such as document scans and biometrics, have been collected and verified.
Set up environment variables
card_issuer_api_key="<your_card_issuer_api_key>"card_issuer_api_secret="<your_card_issuer_api_secret>"partner_account_id="<your_partner_account_id>"card_program_id="<your_card_program_id>"cardholder_account_id="<cardholder_account_id>"funding_source_id="<funding_source_id>"Supply Contact Details
Immersve will not perform validation of a user's contact details.
Immersve requires users contact details (phone number and email) for the following reasons, this should be explained to customers:
- Adding cards to Apple/Google Pay wallets (X-Pay)
- Performing 3DS validation for online transactions
If a user doesn't provide contact details, they risk online transactions being rejected and might not be able to add cards to X-Pay wallets.
Before you share contact details with Immersve you must collect user consent via a checkbox. This can be done at the same time as KYC information sharing.
curl -X PATCH "https://${imsv_api_host}/api/accounts/${cardholder_account_id}/contact-details" \ -H "Content-Type: application/json" \ -H "X-Api-Key: ${card_issuer_api_key}" \ -H "X-Api-Secret: ${card_issuer_api_secret}" \ -H "X-Account-Id: ${cardholder_account_id}" \ --data '{ "email": { "emailAddress": "joe@cardholder.email", }, "phone": { "phoneNumber": "+64123456789", } }'Supply Expected Spend Amount
Regulations require that Immersve obtain information on the “nature and purpose” of the proposed business relationship between ourselves and the cardholder.
Collection of the anticipated monthly spending level when onboarding a new cardholder is one measure that assists in our understanding of the nature and purpose of the cardholder account.
curl -X POST "https://${imsv_api_host}/api/accounts/${cardholder_account_id}/expected-spend-amount \ -H "Content-Type: application/json" \ -H "X-Api-Key: ${card_issuer_api_key}" \ -H "X-Api-Secret: ${card_issuer_api_secret}" \ -H "X-Account-Id: ${cardholder_account_id}" \ --data '{ "expectedSpendAmount": "200000", }'Submit cardholder KYC statement
When testing, to improve chances of a successful response, please provide "passall" as the middleName, and generate a random givenName, familyName, and dateOfBirth. See example below.
Be careful when setting the region as this cannot be changed. You will need to create a new wallet if this is incorrectly supplied.
your_given_name=""your_family_name=""date_of_birth="" # YYYY-MM-DD
curl -X PUT "https://test.immersve.com/api/accounts/${cardholder_account_id}/partner-kyc-statement" \ -H "Content-Type: application/json" \ -H "Accept: application/json" \ -H "x-api-key: ${card_issuer_api_key}" \ -H "x-api-secret: ${card_issuer_api_secret}" \ --data '{ "idempotencyKey": "some_random_key_thats_unique_for_each_request", "region": "NZ", "claims": [ { "claimType": "DOB", "attributes": { "dateOfBirth": "'${date_of_birth}'", } }, { "claimType": "FULL_NAME", "attributes": { "honorific": "Mr", "givenName": "'${your_given_name}'", "middleName": "PASSALL", "familyName": "'${your_family_name}'" } }, { "claimType": "ADDRESS", "attributes": { "addressType": "RESIDENTIAL", "streetNumber": "73", "streetName": "Great Southern", "streetType": "ROAD", "suburb": "Auckland CBD", "town": "Auckland", "region": "Auckland", "state": "AKL", "postalCode": "6140" "country": "NZ", } } ], "evidence": [ { "evidenceType": "DRIVERS_LICENSE", "documentId": "80513", "country": "AU", "region": "VIC", "version": "P0001975" } ] }'Poll spending prerequisites
Poll the Get Spending Prerequisites endpoint to wait for KYC checks to complete. The initial call to the endpoint when there is a new KYC statement for the cardholder will create a new KYC check and the endpoint will return "check_in_progress" for the KYC prerequisite status.
The endpoint will keep returning "check_in_progress" until the check is completed. Once the check is completed successfully, the response should contain "ok" status for the KYC prerequisite. However, if the check failed, the response will return "kyc_check_failed". Check the KYC statement and submit it again or contact Immersve support.
Example request
curl -X "https://test.immersve.com/api/spending-prerequisites" \ -H "Content-Type: application/json" \ -H "X-Api-Key: ${card_issuer_api_key}" \ -H "X-Api-Secret: ${card_issuer_api_secret}" \ -H "X-Account-Id: ${cardholder_account_id}" \ --data '{ "cardProgramId": "'${card_program_id}'", "fundingSourceId": "'${funding_source_id}'", "spendableAmount": 100, "spendableCurrency": "USD", "kycType": "partner-conducted", }'Example response
{ "prerequisites": [ { "stage": "kyc", "status": "action-required", "type": "kyc", "actionType": "submit_kyc_statement", "params": { "status": "check_in_progress" } } ]}