{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-products/hosted-checkout/sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":["img"]},"type":"markdown"},"seo":{"title":"Third-Party Disclaimer Requirement | Banxa Hosted Checkout","siteUrl":"https://docs.banxa.com","description":"Before going live you must tell customers they are transacting with Banxa, a third party. The requirements, sample wording and example screens.","image":"https://docs.banxa.com/images/social/docs.png","meta":[{"name":"twitter:card","content":"summary_large_image"}],"llmstxt":{"title":"Banxa Developer Documentation","description":"Integrate crypto-fiat exchange with Banxa's licensed infrastructure: payments, KYC, compliance, and settlement handled. 150+ countries, 45 global licences.","details":{"content":"Two integration products, chosen by how much of the payment experience the partner owns: **Banxa Native API** for payments that happen inside the partner's product (headless bank transfers, HMAC server-to-server; card, Apple Pay and Google Pay on a native sheet via SDK, no Banxa-hosted screens); **Banxa Hosted Checkout** for a Banxa-run payment flow with the broadest payment method coverage (three paths: Referral URL, API, or SDK). Either product can run KYC on either side. Both use the same sandbox and production environments at `https://api.banxa-sandbox.com` and `https://api.banxa.com`.\n\n## When to use Banxa\n\nReach for Banxa when a product needs to let people **buy crypto with fiat or sell crypto for fiat** without the partner holding money-transmitter or VASP licences. Banxa is the licensed counterparty: it takes the payment, runs compliance, and delivers the asset. Typical fits are wallets, exchanges, dApps, gaming platforms and fintech apps adding an on-ramp or off-ramp.\n\nPick the product by how much of the payment experience the partner wants to own. KYC is configurable on both and does not decide it.\n\n- **Banxa Native API** - the payment experience lives inside the partner's product. Bank transfers run completely headless through the API; card, Apple Pay and Google Pay run on a native payment sheet through a Banxa SDK, with no redirect or webview. Needs a backend. Days to weeks to integrate.\n- **Banxa Hosted Checkout** - Banxa runs the payment flow, reached by redirect, embedded iFrame, or SDK. Broadest payment method coverage. No backend required for the referral path. Hours to days to integrate.\n- **Alternative payment methods** (PayPal, iDEAL, Klarna, PIX, VietQR and local methods) are not supported headless. Native integrations offer them by creating those orders through Hosted Checkout, so most Native integrations use both products.\n- **Legacy API** - existing integrations only. Do not start here.\n\nBanxa is not the right tool for crypto-to-crypto swaps, custody or wallet infrastructure, or for any flow where the partner wants to settle funds itself.\n\n## Constraints\n\n- **Authentication**: HMAC credentials must be stored server-side only, never expose in frontend, mobile, or client-side code. HMAC is required for all Native API calls and for KYC sharing in Hosted Checkout; `x-api-key` is used for all other Hosted Checkout endpoints.\n- **`externalCustomerId`**: Required on every buy and sell order. Use a stable opaque identifier, never PII.\n- **`identityReference`**: Must remain constant for the same user across all requests. Must not contain PII. If you attempt to create an identity for an email that already exists, you will receive a 422 / code 81, so retrieve the existing record rather than retrying creation. Use `GET /eapi/v0/identities/{identityReference}?email=user@example.com` to look up the real `identityReference` linked to an email.\n- **`quoteId`**: Only supported by `POST /eapi/v0/ramps` (bank transfer). The React Native SDK and Embedded Payment Button do not accept a `quoteId`, so use indicative pricing (`GET /eapi/v0/price`) for SDK and Embedded Payment Button flows.\n- **Quotes**: Indicative prices are not rate-locked, so refresh close to order creation to minimise rate drift. Locked quotes (`GET /eapi/v0/quote`) expire after approximately 3 minutes and are only valid for bank transfer ramp creation.\n- **Eligibility gate**: Never create a ramp or invoke the SDK when `paymentReady` is `false`. Always check eligibility and satisfy all requirements before payment execution.\n- **Webhooks**: Verify all inbound webhook signatures with HMAC-SHA256 before processing. Return HTTP 200 immediately and process asynchronously.\n- **Product selection**: Choose by payment experience, not by KYC — both products support partner-run or Banxa-run KYC. Banxa Native is for payments rendered inside the partner's product; Banxa Hosted Checkout is for a Banxa-run payment flow. They are separate surfaces with separate credentials and base paths, so never substitute one product's endpoint for the other's. Combining them is expected in one case only: alternative payment methods are not supported headless, so a Native integration creates those specific orders through Hosted Checkout.\n- **SDK scope**: The React Native SDK has no `banxa.customerIdentity` module. Identity and KYC are handled through the Native API only. `primerCallbacks` and `primerSettings` are Native context only and must not be referenced in Hosted Checkout integrations.\n- **Payment method naming**: Never use \"eAPI\" or \"EAPI\" as a product name. The correct name is \"Banxa Native API\". The URL path prefix `/eapi/` is correct and should not be changed.\n"}}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"third-party-disclaimer","__idx":0},"children":["Third-Party Disclaimer"]},{"$$mdtype":"Tag","name":"blockquote","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For the complete documentation index, see ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"https://docs.banxa.com/llms.txt"},"children":["llms.txt"]},". Append ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":[".md"]}," to any page URL for its markdown version."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Banxa completes the transaction with the customer: it takes the payment on a buy, pays out to the customer on a sell, and handles verification and support. For card payments Banxa is the merchant of record, so the charge may appear on the customer's statement under Banxa's name or a payment processor's name, depending on the processor and issuer. A customer who doesn't recognise the charge may assume fraud and raise a chargeback, or ignore Banxa's verification follow-ups. For this reason, you must tell the customer they are transacting with a third party (Banxa) before they reach the Banxa checkout."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["This is a condition of ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/hosted-checkout/docs/going-live/overview"},"children":["going live"]},": your go-live recording must show the disclaimer in your flow."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"requirements","__idx":1},"children":["Requirements"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["You build and display the disclaimer in your own UI; Banxa does not inject it."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["It must appear before the customer lands on the Banxa checkout, for example on your confirm or continue step. For an ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/hosted-checkout/docs/checkout-experience/iframe/iframe-overview"},"children":["embedded (iFrame) checkout"]},", show it before the checkout loads or in a header around it; see the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"#embedded-checkout-header"},"children":["embedded checkout header"]}," example."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The customer must be made aware of Banxa on every order, not only the first."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["There is no mandated template; the disclosure must clearly name Banxa as the third-party provider."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"acceptable-patterns","__idx":2},"children":["Acceptable patterns"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Either of the following satisfies the requirement:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["A \"Continue with Banxa\" (or similar) button or label at the hand-off point. Because it appears on every order, this pattern also covers returning customers."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["A short disclaimer panel with an acknowledgement checkbox."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"sample-wording","__idx":3},"children":["Sample wording"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For a disclaimer panel:"]},{"$$mdtype":"Tag","name":"blockquote","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You are now leaving {Your Brand} for Banxa. Services related to payments are provided by Banxa, a separate third-party platform. By proceeding, you acknowledge that you have read and agree to Banxa's ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"https://banxa.com/terms-of-use/"},"children":["Terms of Use"]}," and Privacy and Cookies Policy. For any questions related to Banxa's services, please contact support@banxa.com."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For a button or label at the hand-off point:"]},{"$$mdtype":"Tag","name":"blockquote","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Continue to Banxa, a separate third-party platform"]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"examples","__idx":4},"children":["Examples"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Each of the patterns below names Banxa as the third party and tells the customer where the transaction is completed. Use whichever fits your flow, in your own design."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"hand-off-modal","__idx":5},"children":["Hand-off modal"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["A confirmation dialog at the point the customer leaves your product, with an acknowledgement checkbox."]},{"$$mdtype":"Tag","name":"Image","attributes":{"src":"/assets/leaving-modal.61285f5fb74a8d6c333935f861073489a7fb164d8180d3ea5e2de2b0f52bfb62.6e52e078.webp","alt":"Modal titled 'You're now leaving [Merchant] for Banxa', explaining that Banxa takes the payment, completes the transaction and provides support, with an agreement checkbox and a Continue to Banxa button","framed":false,"withLightbox":true},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"bottom-sheet-mobile","__idx":6},"children":["Bottom sheet (mobile)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The same hand-off as a bottom sheet in a mobile app, shown in dark and light themes."]},{"$$mdtype":"Tag","name":"Image","attributes":{"src":"/assets/handoff-sheet-mobile-dark.639d3ac7b3afa9fc5bf5d970c0adb6bada3b4f5fe98ea3923419969a996339e4.6e52e078.png","alt":"Dark mobile bottom sheet titled 'Continue to Banxa to pay', labelled Third-party provider, listing payment, verification and support by Banxa, with an agreement checkbox","framed":false,"withLightbox":true,"width":"390"},"children":[]},{"$$mdtype":"Tag","name":"Image","attributes":{"src":"/assets/handoff-sheet-mobile-light.7c9b882defcb577f4b0f6824712421c96c277040c45c71c1e1eaaa306640777e.6e52e078.png","alt":"Light mobile bottom sheet titled 'Continue to Banxa to pay', labelled Third-party provider, listing payment, verification and support by Banxa, with an agreement checkbox","framed":false,"withLightbox":true,"width":"390"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"interstitial-page","__idx":7},"children":["Interstitial page"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["A full page between your flow and the Banxa checkout that explains the next steps."]},{"$$mdtype":"Tag","name":"Image","attributes":{"src":"/assets/interstitial-dark.236b7e52e9626d3516eb58d30bdc5c67b4fc10a13d3b7486589c9e574bbcf002.6e52e078.webp","alt":"Dark page titled 'Taking you to Banxa', stating Banxa is a separate third-party platform, with three steps and Go back and Continue to Banxa buttons","framed":false,"withLightbox":true},"children":[]},{"$$mdtype":"Tag","name":"Image","attributes":{"src":"/assets/interstitial-light.bb61609f8b3e3b4fc492f9b88b010ef751e36465f94016d8dc4a502c228a9105.6e52e078.webp","alt":"Light page titled 'Taking you to Banxa', stating Banxa is a separate third-party platform, with three steps and Go back and Continue to Banxa buttons","framed":false,"withLightbox":true},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"disclaimer-with-acknowledgement","__idx":8},"children":["Disclaimer with acknowledgement"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["A disclaimer block the customer must agree to before confirming."]},{"$$mdtype":"Tag","name":"Image","attributes":{"src":"/assets/disclaimer-acknowledgement.ff72d9e5057c5e2ad251dafceb6b219569ed4168c3523adc0813e7c0bb22c86e.6e52e078.png","alt":"Disclaimer stating the customer is leaving KuCoin.com for Banxa, a separate third-party platform, with an 'I have read and agree to the disclaimer' checkbox and a Confirm button","framed":false,"withLightbox":true},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"on-your-buy-or-sell-form","__idx":9},"children":["On your buy or sell form"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The disclosure sits on the form itself, next to the 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with Banxa' with a Continue to Banxa button and a note that the customer will leave for banxa.com, a separate third-party platform","framed":false,"withLightbox":true},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"order-review-step","__idx":10},"children":["Order review step"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["A final review screen that names Banxa as the provider before the redirect."]},{"$$mdtype":"Tag","name":"Image","attributes":{"src":"/assets/order-review.2e27d74732f7d34cd90ae9a077a48cff27f8d0a823bf5f4490aea36f66149c28.6e52e078.webp","alt":"Review your order screen with a 'Provided and charged by Banxa' panel explaining the redirect to banxa.com, an agreement checkbox and a Confirm and go to Banxa button","framed":false,"withLightbox":true},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"provider-selection","__idx":11},"children":["Provider selection"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When customers choose between providers, describe Banxa as a third party on the Banxa option."]},{"$$mdtype":"Tag","name":"Image","attributes":{"src":"/assets/provider-choice-mobile.438392c4e76a22977a06b9d76ae891c604746d914ab573cba35d42a344aa5f83.6e52e078.png","alt":"Mobile Buy ETH screen with Banxa selected as provider and a note that Banxa is a third-party provider that completes the purchase on banxa.com","framed":false,"withLightbox":true,"width":"390"},"children":[]},{"$$mdtype":"Tag","name":"Image","attributes":{"src":"/assets/provider-choice-desktop.70dc86304058f3995b160de62f5377d86202b116e8ce6664a43b898c8f52d4a3.6e52e078.png","alt":"Buy WAX Tokens dialog with Banxa selected, and a panel explaining that banxa.com will be loaded with a 'Yes, proceed' 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