{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-products/hosted-checkout/sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":[]},"type":"markdown"},"seo":{"title":"Verification Flow & KYC Tiers","description":"Official Banxa API documentation – on-ramp and off-ramp transfers with identity verification and compliance.","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"verification-flow--kyc-tiers","__idx":0},"children":["Verification Flow & KYC Tiers"]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"the-customer-verification-flow","__idx":1},"children":["The customer verification flow"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When a customer enters the Banxa checkout, the level of identity verification required is determined by the transaction amount, jurisdiction, and their history with Banxa."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"first-time-customers","__idx":2},"children":["First-time customers"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["A first-time customer will typically be asked to:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Provide personal details"]}," — full name, date of birth, residential address."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Upload an identity document"]}," — passport, driver's licence, or national ID (front and back where applicable)."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Complete a liveness check"]}," — a short selfie video to confirm the document matches the person. 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Depending on their verification status and the transaction amount, returning customers may:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Proceed directly to payment (fully verified, below tier threshold)."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Be asked to provide additional documents for higher-value transactions."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Be asked to re-verify if their documents have expired or if compliance requirements have changed."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"verification-levels","__idx":4},"children":["Verification levels"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Banxa applies risk-based verification thresholds. The level of documentation required increases with transaction value and cumulative volume — higher-value transactions require more thorough verification."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Thresholds vary by jurisdiction and are not published. Contact Banxa for the thresholds applicable to your customers' regions."]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"kyc-sharing-and-its-effect-on-the-flow","__idx":5},"children":["KYC sharing and its effect on the flow"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If you use ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/hosted-checkout/docs/identity-compliance/kyc-sharing"},"children":["KYC sharing"]}," or ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/hosted-checkout/docs/identity-compliance/sumsub-integration"},"children":["Sumsub integration"]},", Banxa may be able to pre-fill or skip steps in the verification flow:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["KYC data sharing"]}," — personal details are pre-populated. The customer may still need to confirm or upload documents depending on the tier."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Sumsub token sharing"]}," — if the customer is fully verified via Sumsub, they may skip KYC entirely for transactions within the applicable tier."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Banxa still conducts its own due diligence regardless of what is shared. Additional steps may be required."]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"camera-and-document-capture","__idx":6},"children":["Camera and document capture"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The KYC flow requires:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Camera access"]}," for document capture and liveness check."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Video playback"]}," for animated instructions shown during document capture."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["On mobile, ensure your WebView or browser component is configured to allow these. → See ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/hosted-checkout/docs/getting-started/integration-best-practices#webview-requirements"},"children":["Integration Best Practices"]}," and ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/hosted-checkout/docs/checkout-experience/iframe/webview-mobile"},"children":["Embedded Checkout — Mobile"]},"."]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"compliance-responsibilities","__idx":7},"children":["Compliance responsibilities"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Banxa is the regulated entity responsible for KYC and AML compliance. As a partner, you are not required to conduct independent compliance checks on Banxa-processed transactions. However, you are responsible for:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Ensuring that your use of KYC sharing complies with applicable data protection laws in your jurisdiction."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Informing customers that their data will be shared with Banxa when using the identity endpoint."]}]}]},"headings":[{"value":"Verification Flow & KYC Tiers","id":"verification-flow--kyc-tiers","depth":1},{"value":"The customer verification flow","id":"the-customer-verification-flow","depth":2},{"value":"First-time customers","id":"first-time-customers","depth":3},{"value":"Returning customers","id":"returning-customers","depth":3},{"value":"Verification levels","id":"verification-levels","depth":2},{"value":"KYC sharing and its effect on the flow","id":"kyc-sharing-and-its-effect-on-the-flow","depth":2},{"value":"Camera and document capture","id":"camera-and-document-capture","depth":2},{"value":"Compliance responsibilities","id":"compliance-responsibilities","depth":2}],"frontmatter":{"title":"KYC Verification Flow & Tiers | Banxa Docs","description":"How Banxa verifies customer identity: document upload, liveness checks, KYC tiers by transaction value, returning customer recognition, and KYC sharing impact.","seo":{"title":"Verification Flow & KYC Tiers"}},"lastModified":"2026-05-19T23:30:38.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/hosted-checkout/docs/identity-compliance/verification-flow-and-tiers","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}