How to Get the Most Out of the KYC Process Using MassPay

Before You Start

Before you begin using our KYC services as a developer, make sure you have the following prerequisites:

• MassPay account created
• MassPay API credentials available
• Postman or similar software with the same functionality

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Optional: Idempotency-Key

The API supports idempotency for safely retrying requests without accidentally performing the same operation twice. This is useful when an API call is disrupted in transit and you do not receive a response. For example, if a request to create a charge does not respond due to a network connection error, you can retry the request with the same idempotency key to guarantee that no more than one payout is created.

What is actually KYC?

Know Your Customer (KYC) procedures are critical in the world of financial technology for reducing risks in financial transactions and ensuring regulations are followed. From a developer's perspective, incorporating KYC measures into payment and payout systems or platforms is a complex process requiring knowledge of multiple technical areas.

KYC refers to a suite of procedures designed to validate users' identities, evaluate their risk profiles, and keep an eye on their payout transactions for any signs of suspicious behavior. Developers integrating MassPay’s Global Payout Platform’s KYC into their own systems must possess an in-depth understanding of security protocols, data processing techniques, and regulatory requirements.

Part One: Learn how to use different types of session links

Using MassPay’s Global Payout Platform, you can choose between two distinct session link types: Au10tix session link and the Veriff session link. Au10tix Session Link and Veriff Session Link are integral components within identity verification processes. In order to improve the user experience, comply with Know Your Customer regulations, and strengthen security measures, these features provide users with easier ways to complete verification tasks, such as biometric scans or document submission.

Au10tix Session Link

The integration with Au10tix Session Link provides a simplified method of identity verification in MassPay. You initiate the platform-wide identity verification process with a simple GET request to the Au10tix Session Link.

1. Open your Postman and import OpenApi specification with GET ///{environment}.masspay.io/{VERSION}/user/{user_token}/kyc/au10tix

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You can find our OpenApi specification here

2. Fill in the environment, version and your user_token to the Header and Bearer access-token as an authorization method.

curl --request GET \
     --url https://{environment}.masspay.io/{version}/user/user_token/kyc/au10tix \
     --header 'accept: application/json'

3. Call the REST API. Your response should look like this:

{
  "session_url": "https://www.au10tixsessionlink.com"
}

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200-OK Response?

At this point, you are prepared to utilize your own Au10tix session link.

Veriff Session Link

MassPay's integration with Veriff Session Link simplifies identity verification procedures for users. With GET requests, users access the Veriff Session Link within the platform, facilitating a smooth and secure verification process.

1. Open your Postman and import OpenApi specification with GET ///{environment}.masspay.io/{VERSION}/user/{user_token}/kyc/veriff

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You can find our OpenApi specification here

2. Fill in the environment, version and your user_token to the Header and Bearer access-token as an authorization method.

curl --request GET \
https://{environment}.masspay.io/{version}/user/user_token/kyc/veriff \
     --header 'accept: application/json'

3. Call the REST API. Your response should look like this:

{
  "session_url": "https://www.veriffsessionlink.com"
}

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200-OK Response?

At this point, you are prepared to utilize your own Veriff session link.

Part Two: Upload ID photos of your customers

MassPay’s Global Payout Platform also requires users to upload photos of themselves for verification purposes, which is an additional KYC measure. From a developer's point of view, this means making sure the system's interfaces for uploading and processing ID photos are easy to use.

1. Open your Postman and import OpenApi specification with POST ///{environment}.masspay.io/{VERSION}/user/{user_token}/kyc/id

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You can find our OpenApi specification here.

2. Fill in the environment, version and your user_token to the Header and Bearer access-token as an authorization method.

curl --request POST \
https://{environment}.masspay.io/{version}/user/user_token/kyc/id \
     --header 'accept: application/json'

3. Call the REST API. Your response should be empty with 200 status code indicating successful operation.

Part Three: Attributes velocity check

The Attributes Velocity Check is an integral part of the Know Your Customer (KYC) implementation within MassPay’s Global Payout Platform. From the standpoint of the developer, this entails implementing rules or algorithms within the system to track the speed of specific user attributes or transaction patterns.

1. Open your Postman and import OpenApi specification with POST ///{environment}.masspay.io/{VERSION}/user/{user_token}/velocity

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You can find our OpenAPI specification here

2. Fill in the environment, version and your user_token to the Header and Bearer access-token as an authorization method.

3. There are a number of options in the Body section that you can use to refine your search for particular attributes. Some of the many available filters include: date of birth, gender, SWIFT, social security number, card number, and a plethora of others. In our case, we will use the attributes velocity check for the type: Country and the value: Mexico.

curl --request POST \
     --url https://{environment}.masspay.io/{version}/user/user_token/velocity \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
[
  {
    "type": "Country",
    "value": "Mexico"
  }
]

4. In response, you will receive a list of user tokens that match the criteria you specified.

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At MassPay, we are committed to ensuring that the Know Your Customer (KYC) process goes off without a hitch. Do not hesitate to contact us if you have a use case that is not listed here. Our customer service team will assist you in resolving any issues you may encounter.