Documentation Index
Fetch the complete documentation index at: https://docs.fyatu.com/llms.txt
Use this file to discover all available pages before exploring further.
KYC Verification
KYC (Know Your Customer) verification is required — a cardholder cannot be issued a card until their kycStatus reaches ACCEPTED. Two verification paths are available depending on your use case and onboarding status.
Verification Paths
| Path | Endpoint | Use When |
|---|
| Self-Service | POST /cardholders/{id}/kyc/session | The cardholder completes verification themselves via a secure link |
| Shared KYC | POST /cardholders/{id}/kyc | Your business is pre-approved and already holds the cardholder’s verified documents |
| At Creation | POST /cardholders (with kyc object) | Shared KYC only — submit documents in the same request as cardholder creation |
Path 1: Self-Service
The cardholder completes verification themselves using a hosted link. Best for consumer-facing products where the end user is present.
Path 2: Shared KYC
Available only to businesses that have completed FYATU’s Shared KYC onboarding. You submit document URLs directly and the background verification happens asynchronously.
To apply for Shared KYC access, contact FYATU through your dedicated Slack channel — a due diligence review and use of a recognised KYC provider (e.g. Sumsub, Persona, Onfido) are required.
You can also submit documents at cardholder creation by including a kyc object in POST /cardholders.
KYC Status Flow
| kycStatus | Description | Can Issue Cards | Can Initiate Verification |
|---|
UNSUBMITTED | No verification started | No | Yes |
PENDING | Verification in progress | No | No (returns existing session) |
ACCEPTED | Identity verified | Yes | No |
REJECTED | Verification failed | No | Yes (retry allowed) |
Verification Fee
Fee per plan, added to your invoice only when verification is approved:
| Plan | Fee |
|---|
| Startup | $1.20 |
| Enterprise | $0.80 |
| Premium | $0.40 |
- No upfront charge — fee is not deducted from your wallet when initiating verification
- Added to your next monthly invoice only on successful verification
- Not charged on failure, abandonment, or expiry
Webhook Events
| Event | Description |
|---|
cardholder.kyc_approved | KYC verification approved — cards can now be issued |
cardholder.kyc_rejected | KYC verification failed — retry is allowed |
Endpoints
