Workflows

The workflows applicable to KYC are:

• kyc_approve
• activate

Following are the steps involved in this workflow:

• kyc_data: One of the below details of the person is missing:
  • Name
  • Address
  • SSN
  • Date
    If the person is already created, make a request to PATCH /netspend-api/v1/people/{person_id} to update the missing information.
• identity_questions: KYC status is either conditional or rejected. The customer has to answer the identity questions to cure KYC.
  To retrieve questions to verify KYC, make a request to GET /netspend-api/v1/people/{person_id}/kyc/identity_questions.
• identity_review_pending: ID scan images are uploaded and are in review. A new Id_scan status webhook, person.kyc.identity_scan.modified is sent to the partner when the uploaded images are reviewed and a decision is made.
• identity_scan: KYC is either conditional or rejected. The customer has to complete the id scan process to cure KYC.
  To retrieve identity_scan_id, make a request to GET /netspend-api/v1/people/ {person_id}/kyc/identity_scan.
• primary_person_kyc_approve: This step is presented only for General Purpose Reloadable (GPR) accounts where the primary person or account holder needs to be KYC approved.
  To create a person, make a request to POST /netspend-api/v1/people. If a person is already created, make a request to PATCH /netspend-api/v1/people/{person_id} to set date_of_birth and government_id.
• subaccount_person_kyc_approve: This step is presented only for GPR sub-accounts where the primary person on the account needs to be created or the KYC status is pending.
  To create a person, make a request to POST /netspend-api/v1/people. If a person is already created, make a request to PATCH /netspend-api/v1/people/{person_id} to set date_of_birth and government_id.
• provide_documents: KYC status is either conditional or rejected that can be cured by securely uploading the documents. Value for document_request_id is provided in the workflow steps link. Using id in the workflow, make a request to GET netspend-api/v1/document_requests/{document_request_id}.

Following diagram depicts the workflows involved in KYC approval process: