Trusted KYC

Paybis allows you to avoid repeated KYC for your verified customers on a per-transaction basis (without data sharing)

If a KYC provider other than Sumsub is in use, Trusted KYC provides an option to bypass KYC verification on Paybis for the users that have already been verified on a per-transaction basis.

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Please note that this feature is not automatically enabled; it is accessible to specific partners who have undergone additional compliance review and signed a separate addendum to the main agreement.

How to Apply Trusted KYC

Check that the user is verified in your system.
Call the POST /request endpoint with the trustedKyc flag set to true.
1. Add the required information to trustedKycInfo object (optional).
Start the widget with the retrieved requestId.
User can complete their journey in the widget bypassing KYC verification regardless of the transaction amount.

Extension for Trusted KYC

Extension for trusted KYC allows our partners to provide users' personal data (KYC-related information) during the widget integration process.

trustedKycInfo is an optional object that is utilized as a part of the Trusted KYC option only.

It aims to improve:

Compliance Process: Sharing additional user data AML/KYC compliance, ensuring a secure platform.
Success Rates: Providing extra user details can increase success rates for certain payment methods, reducing chargebacks.

Parameter	Required	Description	Comment
`firstName`	mandatory	User's first name
`lastName`	mandatory	User's last name
`dateOfBirth`	mandatory	User's date of birth. Date only (ISO 8601 format)
`country`	mandatory	2-symbol ISO country code
`state`	optional	2-symbol state code.	Required if country equals`US`
`address`	optional	User's address line
`city`	optional	User's city of residence
`zip`	optional	User's postal code
`phone`	optional	User's phone number
`documentType`	optional	User's identification document type	`documentType` is required for PIX/SPEI to improve the success rate List of options: - `PASSPORT` - `DRIVERS_LICENCE` - `IDENTITY_CARD` - `RESIDENCE_PERMIT`
`documentNumber`	optional	User's identification document number	`documentNumber` is required for PIX/SPEI to improve the success rate

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Please ensure that the trustedKyc flag is included in each request. Adding it once does not impact the user's verification status in the Paybis system.