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Paywint uses industry-standard identity and business verification to ensure secure and compliant financial operations.
Compliance applies only to specific payment methods and not to wallet-to-wallet transfers. You can initiate and manage both KYC (Know Your Customer) and KYB (Know Your Business) through the API.

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KYC Verification (Individuals)

KYC is handled through Paywint’s integrated Persona flow.
Your platform calls the API to obtain a verification link, and the user completes KYC in a hosted or embedded Persona widget.

Submit KYC

Retrieve a verification link to initiate or resume KYC for a user.

Get KYC Status

Fetch KYC details after verification is completed.

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How KYC Works

When you call the Submit KYC endpoint, Paywint returns:
  • inquiry_url → Persona verification link
  • is_kyc_pending → Whether verification is still needed
Open this link in:
Embed the Persona identity verification flow directly inside your application using an iFrame.
This option keeps users fully within your UI while Paywint and Persona handle document capture, identity validation, and compliance processing behind the scenes.
Embedded checkout form
1

Call Submit KYC

Your backend calls
Submit KYC
to retrieve the inquiry_url.
2

Embed the widget

Load the inquiry_url in an <iframe>.
3

User completes verification

The user uploads ID documents and completes all required steps directly inside your flow.
4

Persona completion

When the user presses the “Done” button in Persona, Paywint receives a redirect callback.
5

Paywint sends webhook

After verification data is processed, Paywint sends a lifecycle webhook to your server.
6

Fetch KYC

Your server calls Get KYC to retrieve verification details and status.

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KYB Verification (Businesses)

KYB verifies business information such as legal entity details, documents, EIN, and formation data.

Submit KYB

Submit business information and mandatory supporting documents.

Get KYB Status

Retrieve business verification results and document metadata.

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How KYB Works

Submitting KYB requires:
  • Business details (name, address, EIN, entity type, etc.)
  • At least two publicly accessible document URLs
    (You can link to your documentation page about document URL requirements)
Looking for document upload rules?
See Document Upload Guidelines
1

Submit KYB

Make call to Submit KYB with business information and document URLs.
2

Paywint validates documents

Paywint checks required fields and validates submitted URLs.
3

Verification processing

KYB review is completed asynchronously by Paywint and compliance partners.
4

Webhook delivered

Once processing is complete, Paywint sends a webhook notifying you of changes in KYB status.
5

Retrieve KYB record

Your server calls Get KYB to read the latest business verification data.

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When Compliance Is Required

FeatureRequires KYC?Requires KYB?
Wallet-to-wallet payments No No
Adding a bank account No No
Wallet-Funding Yes Yes
ACH transfers Yes Yes
Card payouts Yes No
Business account features Yes Yes
High-risk/regulated use cases Yes Yes

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Webhooks

Paywint sends webhook notifications as KYC or KYB verification progresses.
These include:
  • Verification started
  • Data received
  • User/business status updated
  • Verification completed or requiring additional documents
Exact event names and payloads are listed in
Webhook Event Types.

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Best Practices

  • Always open Persona in a secure frame or new tab.
  • Use Get KYC and Get KYB after receiving webhook notifications.
  • Use descriptive business documents and ensure they are publicly accessible URLs.
  • Ensure your compliance webhook endpoint is always available.