# Additional Customer Verification In certain situations, additional evidence is required to verify customers and ensure we’re compliant with the KYC regulations. Additional Verification APIs support a list of evidences that can be found [here](#supported-evidences). If you use the [Customer Account with Partner KYC](/guides/product/kyc/partner-kyc) model and your customers are primarily based in the EU, refer to this [Onboarding EU customers](/guides/product/kyc/partner-kyc/additional-verification#onboarding-eu-customers) guide for instructions on how to use these APIs. If you use the [Customer Account with Partner KYC](/guides/product/kyc/partner-kyc) model and you are onboarding high risk business customers based primarily based in the US, refer to this [Onboarding High Risk US Businesses](/guides/product/kyc/partner-kyc/additional-verification#onboarding-high-risk-us-businesses) guide for instructions on how to use these APIs. Operations ## Upload Evidences **`POST /v3/profiles/{{profileId}}/additional-verification/upload-evidences`** Use upload-evidences endpoint to submit evidence for review. Note that the set of supported fields are different for business and consumer profiles. Supported fields for personal profiles accountPurpose Allowed values: * `MOVING_SAVINGS` * `SENDING_MONEY_TO_FRIENDS_OR_FAMILY` * `GENERAL_LIVING_EXPENSES` * `BUYING_GOODS_OR_SERVICES_ABROAD` * `PAYING_FOR_MORTGAGE_OR_LOAN` * `PAYING_BILLS` * `RECEIVING_SALARY_OR_PENSION` * `INVESTING` accountPurposeExplanation Additional reasons and specific examples for using Wise account. This is a free-text field. intendedCountries List of iso3 country codes. Check the [lists of countries you can send money to with Wise](https://wise.com/help/articles/2571942/what-countries-can-i-send-to). yearlyAnticipatedVolume Values are in Euros. Allowed values: * `0_2350` * `2351_6000` * `6001_11500` * `11501_60000` * `60001_175000` * `175001_+` mainSourceOfIncome Must be submitted with `annualIncome`. Allowed values: * `SALARY` * `INVESTMENTS` * `PENSION` * `INHERITANCE` * `LOAN` * `OTHER` annualIncome Must be submitted with `mainSourceOfIncome`. Values are in Euros. Allowed values: * `0_11500` * `11501_19000` * `19001_28500` * `28501_47500` * `47501_75000` * `75001_+` incomeExplanation Additional ways you earn money that were not identified in the provided documents. This is a free-text field. Supported fields for business profiles businessUseCase Allowed values: * `INVESTING_IN_FUNDS_STOCKS_BONDS_OR_SIMILAR` * `DISTRIBUTING_COMPANY_PROFITS_OR_PAYING_DIVIDENDS` * `PAYING_MORTGAGE_BANK_LOAN_INSURANCE_OR_CREDIT` * `PAYING_FOR_GOODS_PROPERTIES_OR_SERVICES_ABROAD` * `PAYING_RENT_OR_UTILITIES` * `PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES` * `PAYING_TAX_ON_PROFIT_OR_PROPERTY` * `TRANSFER_WITHIN_COMPANY_OR_GROUP` * `RECEIVE_INVESTMENTS_OR_FUNDS` * `RECEIVE_PAYMENTS_FROM_CLIENTS` * `DONATION` * `OTHER` intendedCountries List of iso3 country codes. Check the [lists of countries you can send money to with Wise](https://wise.com/help/articles/2571942/what-countries-can-i-send-to). mainSourceOfFunding Allowed values: * `REVENUE` * `BUSINESS_LOAN` * `FUNDING_AND_SHAREHOLDER_INVESTMENTS` * `INVESTMENT_INCOME` * `DONATIONS` * `GRANTS` * `OTHER` monthlyAnticipatedVolume Values are in Euros. Allowed values: * `0_1200` * `1201_6000` * `6001_12000` * `12001_60000` * `60001_120000` * `120001_235000` * `235001_600000` * `600001_1200000` * `1200001_6000000` * `6000001_12000000` * `12000001_+` Response Possible HTTP status codes 204 - No Content Evidence successfully uploaded. 400 - Bad Request Invalid request payload (e.g. no evidence, misspelled evidence, unexpected value). Invalid evidence is populated in the response message. Note that correct evidence might be successfully uploaded. 403 - Forbidden The client is not authorized to perform this request. 409 - Conflict One or more evidences are already uploaded and can't be re-submitted without an agent review. Unacceptable evidence is populated in the response message. Example payload for Consumers ```json { "accountPurpose" : "MOVING_SAVINGS", "intendedCountries" : ["deu", "esp"], "yearlyAnticipatedVolume" : "0_2350", "mainSourceOfIncome" : "SALARY", "annualIncome": "0_11500" } ``` Example Payload for Business ```json { "businessUseCase" : ["PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES", "PAYING_RENT_OR_UTILITIES"], "intendedCountries" : ["deu", "esp"], "monthlyAnticipatedVolume" : "0_1200", "mainSourceOfFunding": "BUSINESS_LOAN" } ``` Example request for Consumer ```shell curl -L -X POST \ 'https://api.wise-sandbox.com/v3/profiles/{{profileId}}/additional-verification/upload-evidences' \ -H 'Authorization: Bearer ' \ -H 'Content-Type: application/json' \ -d '{ "accountPurpose": "MOVING_SAVINGS", "intendedCountries": [ "deu", "esp" ], "yearlyAnticipatedVolume": "0_1200", "mainSourceOfIncome": "SALARY", "annualIncome": "0_11500" }' ``` **`POST /v5/profiles/{{profileId}}/additional-verification/upload-evidences`** Use upload-evidences endpoint to submit evidence for review. Submitting an evidence that was already uploaded will result in an attempt to update the evidence. Note that the set of supported fields are different for business and consumer profiles. Supported fields for personal profiles accountPurpose Allowed values: * `MOVING_SAVINGS` * `SENDING_MONEY_TO_FRIENDS_OR_FAMILY` * `GENERAL_LIVING_EXPENSES` * `BUYING_GOODS_OR_SERVICES_ABROAD` * `PAYING_FOR_MORTGAGE_OR_LOAN` * `PAYING_BILLS` * `RECEIVING_SALARY_OR_PENSION` * `INVESTING` accountPurposeExplanation Additional reasons and specific examples for using Wise account. This is a free-text field. intendedCountries List of iso3 country codes. Check the [lists of countries you can send money to with Wise](https://wise.com/help/articles/2571942/what-countries-can-i-send-to). yearlyAnticipatedVolume Values are in Euros. Allowed values: * `0_2350` * `2351_6000` * `6001_11500` * `11501_60000` * `60001_175000` * `175001_+` mainSourceOfIncome Must be submitted with `annualIncome`. Allowed values: * `SALARY` * `INVESTMENTS` * `PENSION` * `INHERITANCE` * `LOAN` * `OTHER` annualIncome Must be submitted with `mainSourceOfIncome`. Values are in Euros. Allowed values: * `0_11500` * `11501_19000` * `19001_28500` * `28501_47500` * `47501_75000` * `75001_+` incomeExplanation Additional ways you earn money that were not identified in the provided documents. This is a free-text field. Supported fields for business profiles businessUseCase Allowed values: * `INVESTING_IN_FUNDS_STOCKS_BONDS_OR_SIMILAR` * `DISTRIBUTING_COMPANY_PROFITS_OR_PAYING_DIVIDENDS` * `PAYING_MORTGAGE_BANK_LOAN_INSURANCE_OR_CREDIT` * `PAYING_FOR_GOODS_PROPERTIES_OR_SERVICES_ABROAD` * `PAYING_RENT_OR_UTILITIES` * `PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES` * `PAYING_TAX_ON_PROFIT_OR_PROPERTY` * `TRANSFER_WITHIN_COMPANY_OR_GROUP` * `RECEIVE_INVESTMENTS_OR_FUNDS` * `RECEIVE_PAYMENTS_FROM_CLIENTS` * `DONATION` * `OTHER` intendedCountries List of iso3 country codes. Check the [lists of countries you can send money to with Wise](https://wise.com/help/articles/2571942/what-countries-can-i-send-to). mainSourceOfFunding Allowed values: * `REVENUE` * `BUSINESS_LOAN` * `FUNDING_AND_SHAREHOLDER_INVESTMENTS` * `INVESTMENT_INCOME` * `DONATIONS` * `GRANTS` * `OTHER` monthlyAnticipatedVolume Values are in Euros. Allowed values: * `0_1200` * `1201_6000` * `6001_12000` * `12001_60000` * `60001_120000` * `120001_235000` * `235001_600000` * `600001_1200000` * `1200001_6000000` * `6000001_12000000` * `12000001_+` Response overallStatus Status of the entire request. Possible values: * `SUCCESS` * `PARTIAL_SUCCESS` * `FAIL` results Results for each evidence. results[n].evidenceRequirementKey Name of the evidence. results[n].result Result for the evidence. Possible values: * `SUCCESS` * `FAIL` results[n].message Explanation of result for the evidence. HTTP status codes 207 - Multi-Status Evidence(s) successfully uploaded, fully or partially. 400 - Bad Request Invalid request payload (e.g. no evidence, misspelled evidence, unexpected value). 403 - Forbidden The client is not authorized to perform this request. Example payload for Consumer ```json { "accountPurpose" : "MOVING_SAVINGS", "intendedCountries" : ["deu", "esp"], "yearlyAnticipatedVolume" : "0_2350", "mainSourceOfIncome" : "SALARY", "annualIncome": "0_11500" } ``` Example Payload for Business ```json { "businessUseCase" : ["PAYING_SUPPLIERS_CONTRACTORS_OR_EMPLOYEES", "PAYING_RENT_OR_UTILITIES"], "intendedCountries" : ["deu", "esp"], "monthlyAnticipatedVolume" : "0_1200", "mainSourceOfFunding": "BUSINESS_LOAN" } ``` Example request for Consumer ```shell curl -L -X POST \ 'https://api.wise-sandbox.com/v5/profiles/{{profileId}}/additional-verification/upload-evidences' \ -H 'Authorization: Bearer ' \ -H 'Content-Type: application/json' \ -d '{ "accountPurpose": "MOVING_SAVINGS", "intendedCountries": [ "deu", "esp" ], "yearlyAnticipatedVolume": "0_1200", "mainSourceOfIncome": "SALARY", "annualIncome": "0_11500" }' ``` Example success response ```json { "overallStatus": "SUCCESS", "results": [ { "evidenceRequirementKey": "accountPurpose", "result": "SUCCESS", "message": "SUCCESS" }, { "evidenceRequirementKey": "annualIncome", "result": "SUCCESS", "message": "SUCCESS" }, { "evidenceRequirementKey": "intendedCountries", "result": "SUCCESS", "message": "SUCCESS" }, { "evidenceRequirementKey": "mainSourceOfIncome", "result": "SUCCESS", "message": "SUCCESS" }, { "evidenceRequirementKey": "yearlyAnticipatedVolume", "result": "SUCCESS", "message": "SUCCESS" } ] } ``` Example partial success response ```json { "overallStatus": "PARTIAL_SUCCESS", "results": [ { "evidenceRequirementKey": "accountPurpose", "result": "SUCCESS", "message": "SUCCESS" }, { "evidenceRequirementKey": "annualIncome", "result": "SUCCESS", "message": "SUCCESS" }, { "evidenceRequirementKey": "intendedCountries", "result": "FAIL", "message": "Could not update verification requirement at the moment" }, { "evidenceRequirementKey": "mainSourceOfIncome", "result": "SUCCESS", "message": "SUCCESS" }, { "evidenceRequirementKey": "yearlyAnticipatedVolume", "result": "SUCCESS", "message": "SUCCESS" } ] } ``` ## Upload Document **`POST /v3/profiles/{{profileId}}/verification-status/upload-document`** Use upload-document to provide verification documents for review. You can upload multiple files at once. A valid document must fulfil these requirements: - The document must be clear. - The document needs to be a .jpg, .png., or .pdf file type up to 10MB in size. Request files Path of the files to be uploaded. documentType Allowed values: * `SOURCE_OF_WEALTH` * `ID_PROOF` * `ADDRESS_PROOF` * `TRADING_ADDRESS_PROOF` * `BUSINESS_AUTH_REP_PROOF_BY_AUTH_LETTER` Read our guides on acceptable documents for each of the following: * Source of wealth - [guide](/guides/product/kyc/partner-kyc/additional-verification#source-of-wealth-document) * Id Proof - [guide](https://wise.com/help/articles/2949801/how-does-wise-verify-my-identity?origin=search-ID+coument+) * Address Proof - [guide](https://wise.com/help/articles/2949804/how-does-wise-verify-my-address?origin=search-proof+of+address+) * Trading Address Proof - [guide](/guides/product/kyc/partner-kyc/additional-verification#proof-of-trading-address-document) * Business Authorisation Letter - [guide](/guides/product/kyc/partner-kyc/additional-verification#business-authorisation-letter-document) Response Possible HTTP status codes 204 - No Content Document successfully uploaded. 400 - Bad Request Document cannot be uploaded in the system in the current format. Check file size and extension. 403 - Forbidden The client is not authorized to perform this request. 409 - Conflict Document is already uploaded and can't be re-submitted before a review. 413 - Content Too Large Requested file size is too large. 415 - Unsupported Media Type Request payload is in an unsupported format. This endpoint expects `content-type` to be `multipart/form-data` with correctly populated `boundary` value. Example request ```shell curl -L -X POST \ 'https://api.wise-sandbox.com/v3/profiles/{{profileId}}/verification-status/upload-document' \ -H 'Authorization: Bearer ' \ -H 'Content-Type: application/json' \ -F 'files=@"/Users/test/file.png"' \ -F 'documentType="ID_PROOF"' ``` ## Required Evidences **`GET /v3/profiles/{{profileId}}/verification-status/required-evidences`** Fetches the required evidences for a profile to complete additional customer verification. If one or more evidences are returned, then the customer should submit those evidences with the help of [the section below](#list-of-supported-evidences). Example request ```shell curl -X GET \ 'https://api.wise-sandbox.com/v3/profiles/{{profileId}}/verification-status/required-evidences' \ -H 'Authorization: Bearer ' ``` Example Response ```json { "required_evidences": ["SOURCE_OF_WEALTH", "INCOME", "USE_CASE_COUNTRIES"] } ``` ## List of Supported Evidences Evidences are pieces of data required by Wise to review and verify customers. Additional Verification APIs supports the following list of evidences. Supported evidences for personal profile ACCOUNT_PURPOSE Primary purpose of using Wise account. Submit this using the `accountPurpose` field in [POST /upload-evidences](#upload-evidences). ACCOUNT_PURPOSE_EXPLANATION Additional reasons and specific examples for using Wise account. This is a free-text field. Submit this using the field `accountPurposeExplanation` in [POST /upload-evidences](#upload-evidences). ANNUAL_VOLUME Submit your yearly anticipated volume using the field `yearlyAnticipatedVolume` in [POST /upload-evidences](#upload-evidences). INCOME Provide your income using the fields `annualIncome` and `mainSourceOfIncome` in [POST /upload-evidences](#upload-evidences). INCOME_EXPLANATION Additional ways you earn money that were not identified in the provided documents. Provide this explanation using the field `incomeExplanation` in [POST /upload-evidences](#upload-evidences). USE_CASE_COUNTRIES List of iso3 country codes that your customer intend to send and receive money from. Check the [lists of countries you can send money to with Wise](https://wise.com/help/articles/2571942/what-countries-can-i-send-to). Submit this using the field `intendedCountries` in [POST /upload-evidences](#upload-evidences). SOURCE_OF_WEALTH A document detailing source of wealth according to specified main source of income. See the table [here](/guides/product/kyc/partner-kyc/additional-verification#source-of-wealth-document) for a list of acceptable documents. Upload the document using [POST /upload-document](#upload-document). ID_PROOF A document detailing proof of identification for the profile. Check [here](https://wise.com/help/articles/2949801/how-does-wise-verify-my-identity?origin=search-ID+coument+) for a list of acceptable documents. Upload the document using [POST /upload-document](#upload-document). ADDRESS_PROOF A document detailing proof of residential address of the profile owner. Check [here](https://wise.com/help/articles/2949804/how-does-wise-verify-my-address?origin=search-proof+of+address+) for a list of acceptable documents. Upload the document using [POST /upload-document](#upload-document). Supported evidences for business profile SOURCE_OF_FUNDING Main source of wealth for the business. Provide source of funding of your business using the field `mainSourceOfFunding` in [POST /upload-evidences](#upload-evidences). BUSINESS_MONTHLY_VOLUME Monthly anticipated volume of your business. Submit this using the field `monthlyAnticipatedVolume` in [POST /upload-evidences](#upload-evidences). BUSINESS_USE_CASE The main use case for which your business wants to use Wise. Submit this using the field `businessUseCase` in [POST /upload-evidences](#upload-evidences). USE_CASE_COUNTRIES List of iso3 country codes that your customer intend to send and receive money from. Check the [lists of countries you can send money to with Wise](https://wise.com/help/articles/2571942/what-countries-can-i-send-to). Submit this using the field `intendedCountries` in [POST /upload-evidences](#upload-evidences). SOURCE_OF_WEALTH Upload a source of wealth document according on the source of funding provided. See the table [here](/guides/product/kyc/partner-kyc/additional-verification#source-of-wealth-document) for a list of acceptable documents. Upload the document using [POST /upload-document](#upload-document). TRADING_ADDRESS_PROOF A document detailing proof of operational address. Check [here](/guides/product/kyc/partner-kyc/additional-verification#proof-of-trading-address-document) for a list of acceptable documents. Upload the document using [POST /upload-document](#upload-document).