KYC documents

Use Know Your Customer (KYC) documents to verify your customers identity. The KYC document operations generate a signed link to the Rebilly KYC document gatherer.

Document types:

  • identity-proof: Validates a customer's identity.
  • address-proof: Validates a customer's address.
  • purchase-proof: Validates a customer's purchase.
  • funds-proof: Validates that a customer has funds.
  • credit-file-proof: Verifies that there is an existing credit file with two sources that match the customer's name, DOB, and address.

Rebilly parses and analyzes the documents and accepts or rejects them according to a configurable scoring algorithm. When all document types in a KYC request are accepted, the status is fulfilled, and the KYC request fulfilled webhook is sent.

Credit file proof

The credit-file-proof KYC document request type is only available in the API, this option is not available in the KYC document gatherer. This request verifies that there is an existing credit file with two sources that match the person's name, date of birth, and address.

In Canada, to meet FINTRAC requirements, the credit-file-proof KYC document request verifies the customer's name, address, and date of birth with a credit agency.

If credit-file-proof is requested in combination with identity-proof and address-proof, credit-file-proof is attempted first. If credit-file-proof validates the identity and address, the KYC request is considered fulfilled. If the request is not fulfilled, redirect your customer to the KYC document gatherer to collect their KYC documents.