ID verification renewal

Ensuring the validity of customer identification (ID) documents is crucial for maintaining smooth operations in any financial system. When a customer’s ID document expires, it triggers an automatic process that creates a block on their IBAN account(s). This block prevents transactions, ensuring compliance with regulatory and security standards.

Timely tracking and renewal of expired IDs is essential for both customers and BaaS partners. By staying ahead of ID expiration dates and processing renewals on time, account holders can avoid unnecessary disruptions and maintain uninterrupted access to their accounts. This documentation outlines the steps how to track ID expiration and renewal to support seamless account usage.

Monitoring of ID expiration

Tracking of ID expiration can be done in 2 ways:

1. After initial ID verification is done (you can read more about it here if you use ConnectPay’s IDV provider, and here if you use your provider) and result is successful, you can save id expiration date from GET IDV Status API response. API returns expirations dates for persons that performed ID verification via IDV Link. For company representatives that only uploaded ID documents, expiration date should be tracked in BaaS partner system separately.
2. You can subscribe to webhook notification event “DocExpiry” (subscription process is described here) and a notification will be sent 60/30/15 days before ID expiration. If ID is not renewed, we notify 3 times. We notify about both private individuals and company representatives (MARs, Directors, UBOs). Important! If ConnectPay receives ID renewal from your customer via different channels, a document is renewed, notifications won’t be issued to you anymore. If it’s important for you to track ID expiration as well, use expiry date from GET IDV Status API response or track it in other ways in your system.

Testing in non-prod environment

To change non-production document expiry date, please contact [email protected] providing externalReference, personId (if such exist) and date to which a document expiration should be changed.

ID renewal

ID can be renewed any time, it’s not required to wait till expiration. Same API is used for renewal as for initial ID verification: Initiate IDV Session API – for those who use ConnectPay’s IDV provider, Submit External IDV API – for those who use their own IDV provider. The most important part is – to use same externalReference value that was sent with initial IDV, based on this field it is treated as renewal. Same statuses are used:

For company representatives that are not Master Authorized Representatives (e.g. only Directors or UBOs) a document can be renewed using IDV APIs as well. Or else, a document can be collected in your system and shared with us in agreed encrypted way.