Important! Before submitting a personal application, a person’s ID should be already verified. Identity verification process is described here.
Onboarding flow steps are provided below:
- Platform needs to call POST Initiate onboarding Application API endpoint together with user’s token and submit all additional data about client. Make sure that user Logged out after verifying their identity so that ID data could be inserted in a token with a new Login.
- After successful data submission, the Platform will get a 200 response with application status
APPLICATION_CAPTURED. - In Initiate onboarding Application response the Platform will receive
authorisationEventIdand an indication that SCA authorisation is required. - Users should confirm application data using SCA, the authorisation process is described here. Successful Verify user’s SCA API response indicates the application is approved and will be passed for further review.
- Then ConnectPay performs required onboarding and Know Your Customer (KYC) actions
- After the required actions are done, the application status will be changed to
APPLICATION_APPROVEDorAPPLICATION_DECLINED. The platform can get status changes:- via webhook application status notification. You can find information here on how to subscribe to ConnectPay webhooks
- or via endpoint GET application status together with the user’s token
- Together with status
APPLICATION_APPROVEDPlatform receivesbaasClientId.baasClientIdrepresents the unique customers in the ConnectPay system. This parameter can be used for Platform for webhooks or further APIs.
Possible personal application statuses
| Status | Description |
|---|---|
| APPLICATION_CAPTURED | Informs that ConnectPay successfully received provided information and technical validations have been done. |
| COMPLIANCE_REVIEW | Informs that application is in compliance review and additional checks are required. Not all applications receive this status. Application stays in this status until live person evaluates it. |
| APPLICATION_APPROVED | Informs that application was approved and IBAN is issued, and other APIs can be initiated with user’s token. There are auto approval rules for personal applications, if requirements are met, status change will be done in seconds. |
| APPLICATION_DECLINED | Informs that application was declined. This status is always initiated manually from ConnectPay side. Before declining an application, a live person evaluates it, contacts partner if any additional supporting documents are required and only if customer cannot be onboarded, then declines application. |
Important! Application approval results in IBAN opening automatically. No additional actions to open an account are required. To receive an IBAN account number, use the baasClientId received in the Get application status API after application approval.
.For purposes of the account, select all possible options from the provided list
| Values | Description |
|---|---|
| SALARY | Receive salary |
| INDIVIDUAL_OR_SOLE_TRADER_INCOME | Income from individual/sole trader business activity. If selected this value, please provide registration number and industry of business activity in the additional information |
| PERSONAL_OR_HOUSEHOLD_EXPENSES | Personal/household expenses |
| FOREIGN_TRANSACTIONS | Foreign transactions |
| VIRTUAL_CURRENCY_OR_GAMBLING_RELATED_TRANSACTIONS | Virtual currency/gambling-related transactions |
| INVESTMENT_TRANSACTIONS_OR_LOAN_PAYMENTS | Investment-related transactions/loan payments |
| OTHER | Other. If selected this value, please provide more details |
For the account’s connection to Lithuania, select all possible options from the provided list
| Values | Description |
|---|---|
| WORK_OWN_REAL_ESTATE_HAVE_COMPANY_IN_LT | Work/own real estate/have a company registered in Lithuania |
| STUDYING_IN_LT | Studying in Lithuania |
| RESIDENCE_PERMIT_SPOUSE_IS_LT_CITIZEN | Have a residence permit in Lithuania/a spouse who is a citizen of the Republic of Lithuania |
| TAX_REFUNDS_STATE_BENEFITS | Tax refunds/state benefits (pension, land compensation, etc.) |
| HAVE_COUNTERPARTIES_LOCATED_IN_LT | Have counterparties located in Lithuania |
| EURO_ACCOUNT | Want to open a Euro account |
For source of income, select only one from the list
| Values | Description |
|---|---|
| EMPLOYMENT_OR_INDIVIDUAL_BUSINESS_INCOME | Employment income/income from individual business activity |
| BUSINESS_PROFIT_OR_DIVIDENDS | Business profits/dividends |
| SALE_OF_INVESTMENTS_OR_LIQUIDATION_OF_PORTFOLIO | Sale of investments/liquidation of an investment portfolio |
| PROPERTY_SALE | Sale of property |
| LOAN_AND_FINANCING | Loan and financing |
| INHERITANCE | Inheritance |
| GIFT | Gift |
| OTHER | Other. If selected this value, please provide more details in sourceOfIncomeOther |