Reusable kyc kyb (sumsub)

Documentation Index

Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt

Use this file to discover all available pages before exploring further.

Eligibility Notice This feature is available exclusively to Fintech platform clients that conduct KYC/KYB verification through Sumsub. To enable Sumsub token sharing for your account, please reach out to your Customer Success Manager (CSM)

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The Core Concept -

Tazapay supports reusable KYC/KYB, allowing platforms to share pre-verified applicant data via API. If your platform already conducts KYC/KYB verification through Sumsub, this enables Tazapay to reuse that data removing the need for end-users to re-verify. The flow works via tokens:

1. The platform (the ‘Donor’) generates a shareToken for a verified Sumsub applicant.
2. The token is passed to Tazapay (the ‘Recipient’) via the Create Entity or Update Entity API
3. Tazapay retrieves the applicant’s documents from Sumsub and runs its own verification checks.
4. The entity is created on Tazapay, no document re-upload is required from the end user.

Important nuance: Documents are reused, not the verification itself. Tazapay still runs full KYC/KYB checks on the shared data for regulatory compliance.

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Understanding the Two Tokens —

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Section A: Ops/Admin Setup (4 Steps)

1. Enable Reusable KYC on Sumsub — Contact your Sumsub CSM to get your account enabled as a “Donor.” Sumsub requires a signed sharing agreement.
2. Contact Tazapay Sales POC — Request enablement of Sumsub Reusable KYC. Tazapay will: accept your platform as a Donor, give you a one-time partner token, and share their Sumsub forClientId.
3. Add Tazapay as a Recipient on your Sumsub dashboard — Go to Reusable Identity → Partners → Recipients, click ”+ Add recipient,” paste Tazapay’s partner token, and click Done.
4. Verify the partnership — Confirm the partnership is active on both sides: Tazapay shows up as a Recipient on your dashboard, and your platform shows up as a Donor on Tazapay’s. You also need the forClientId in hand.

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Section B: Developer Integration (2 API Steps)

Step 1 — Generate a Share Token (Sumsub API) Call POST https://api.sumsub.com/resources/accessTokens/shareToken with:

• applicantId: the Sumsub ID of the verified user on your platform
• forClientId: Tazapay’s Sumsub Client ID

The response gives you a JWT-style token — this is the shareToken.

Recommended: Set ttlInSecs to 86400 (1 day) when generating the share token. This gives Tazapay sufficient time to consume the token without it expiring prematurely.

Step 2 — Pass the Share Token to Tazapay (Entity API) Send the token in the onboarding_package_url field when calling:

• POST https://service.tazapay.com/v3/entity (Create Entity), or
• PUT https://api.tazapay.com/v3/entity/{entity_id} (Update Entity)

Works for both individual and business entity types.

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Possible Outcomes After Passing the Token

• Full Approval — All documents meet Tazapay’s requirements. The entity is approved and ready for transactions.
• Partial Completion — Some data passes; The entity is created but enters a Documents Requested state. Additional documents must be submitted to complete onboarding.
• Token Error — Token expired or invalid. Generate a new share token and resubmit via the Entity API.

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What Data Can Be Reused

Identity documents, proof of address, biometric/liveness data, questionnaire responses (if structure matches), standard applicant profile fields, and email/phone confirmation status.

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Summary of Ownership