United States (US)

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Below are the KYC requirements for the United States (US) business onboarding. There are more optional fields available in the full schema API for you to pass over additional information you wish to provide for an account to support the application.

Note: For non-registered sole traders (individuals operating a business without formal government registration), the business identifier, business documents, and business verification (KYB) requirements do not apply. See the "Non-registered sole trader" column in the table below for the specific field requirements.

Minimum verification requirements

Parameter	Company	Partnership	Sole Trader (Registered)	Non-registered sole trader
`account_details`	Required	Required	Required	Required
`account_details.business_details`	Required	Required	Required	Required
`account_details.business_details.attachments`	Required only if business address is in NY, HI, NV, IN	Required only if business address is in NY, HI, NV, IN	Required only if business address is in NY, HI, NV, IN or if the business has a DBA name/ trading name	Not applicable
`account_details.business_details.attachments.business_documents`	Required; Articles of incorporation filed with the state	Required; Partnership agreement AND Articles of incorporation filed with the state if applicable, if not upload EIN confirmation letter	Required; EIN confirmation letter and DBA certificate if applicable	Not applicable
`account_details.business_details.attachments.business_documents.file_id`	Required	Required	Required	Not applicable
`account_details.business_details.attachments.business_documents.tag`	CERTIFICATE_OF_INCORPORATION	PARTNERSHIP_AGREEMENT AND CERTIFICATE_OF_INCORPORATION or CONFIRMATION_STATEMENT	CONFIRMATION_STATEMENT and/or ASSUMED_NAME_CERTIFICATE	Not applicable
`account_details.business_details.business_address`	Required	Required	Required	Required
`account_details.business_details.business_address.address_line1`	Required	Required	Required	Required
`account_details.business_details.business_address.country_code`	Required	Required	Required	Required
`account_details.business_details.business_address.postcode`	Required	Required	Required	Required
`account_details.business_details.business_address.state`	Required. For U.S. states, use the standard two-letter abbreviations: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Required. For U.S. states, use the standard two-letter abbreviations: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Required. For U.S. states, use the standard two-letter abbreviations: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Required. For U.S. states, use the standard two-letter abbreviations: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
`account_details.business_details.business_address.suburb`	Required	Required	Required	Required
`account_details.business_details.business_name`	Required	Required	Required	Optional; personal name may be used
`account_details.business_details.business_structure`	COMPANY	PARTNERSHIP	SOLE_PROPRIETOR	SOLE_PROPRIETOR
`account_details.business_details.description_of_goods_or_services`	Required	Required	Required	Required
`account_details.business_details.industry_category_code`	Required	Required	Required	Required
`account_details.business_details.operating_country`	Required	Required	Required	Required
`account_details.business_details.business_identifiers`	Required	Required	Required	Not applicable
`account_details.business_details.business_identifiers.number`	Required; must be EIN	Required; could be EIN or SSN	Required; could be EIN or SSN	Not applicable
`account_details.business_details.business_identifiers.type`	EIN	EIN or SSN	EIN or SSN	Not applicable
`account_details.business_details.business_identifiers.country_code`	US	US	US	Not applicable
`account_details.business_details.account_usage`	Required	Required	Required	Required
`account_details.business_details.account_usage.product_reference`	Required	Required	Required	Required
`account_details.business_details.account_usage.estimated_monthly_revenue`	Required	Required	Required	Required
`account_details.business_details.account_usage.estimated_monthly_revenue.currency`	Required	Required	Required	Required
`account_details.business_details.account_usage.estimated_monthly_revenue.amount`	Required	Required	Required	Required
`account_details.business_person_details`	All UBOs and one controlling person, , and PPTA if applicable	All UBOs and one controlling person, and PPTA if applicable	The UBO	The UBO
`account_details.business_person_details.residential_address`	Required	Required	Required	Required
`account_details.business_person_details.residential_address.address_line1`	Required	Required	Required	Required
`account_details.business_person_details.residential_address.country_code`	Required	Required	Required	Required
`account_details.business_person_details.residential_address.postcode`	Required	Required	Required	Required
`account_details.business_person_details.residential_address.state`	Required. For U.S. states, use the standard two-letter abbreviations: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Required. For U.S. states, use the standard two-letter abbreviations: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Required. For U.S. states, use the standard two-letter abbreviations: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Required. For U.S. states, use the standard two-letter abbreviations: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
`account_details.business_person_details.residential_address.suburb`	Required	Required	Required	Required
`account_details.business_person_details.date_of_birth`	Required	Required	Required	Required
`account_details.business_person_details.first_name`	Required	Required	Required	Required
`account_details.business_person_details.identifications`	Required	Required	Required	Required
`account_details.business_person_details.identifications.primary`	Required	Required	Required	Required
`account_details.business_person_details.identifications.primary.identification_type`	Must be TAX_ID for US persons, could be any government-issued IDs for non-US persons. One US person with SSN or ITIN is required if wish to use Payments	Must be TAX_ID for US persons, could be any government-issued IDs for non-US persons. One US person with SSN or ITIN is required if wish to use Payments	Must be TAX_ID for US persons, could be any government-issued IDs for non-US persons. One US person with SSN or ITIN is required if wish to use Payments	Must be TAX_ID for US persons, could be any government-issued IDs for non-US persons. One US person with SSN or ITIN is required if wish to use Payments
`account_details.business_person_details.identifications.primary.issuing_country_code`	Required	Required	Required	Required
`account_details.business_person_details.identifications.primary.drivers_license`	Optional (only applicable for non-US persons)	Optional (only applicable for non-US persons)	Optional (only applicable for non-US persons)	Optional (only applicable for non-US persons)
`account_details.business_person_details.identifications.primary.drivers_license.back_file_id`	Required if upload picture	Required if upload picture	Required if upload picture	Required if upload picture
`account_details.business_person_details.identifications.primary.drivers_license.effective_at`	Optional	Optional	Optional	Optional
`account_details.business_person_details.identifications.primary.drivers_license.expire_at`	Required if input ID details manually	Required if input ID details manually	Required if input ID details manually	Required if input ID details manually
`account_details.business_person_details.identifications.primary.drivers_license.front_file_id`	Required if upload picture	Required if upload picture	Required if upload picture	Required if upload picture
`account_details.business_person_details.identifications.primary.drivers_license.gender`	Required if input ID details manually and applicable to the issuance country	Required if input ID details manually and applicable to the issuance country	Required if input ID details manually and applicable to the issuance country	Required if input ID details manually and applicable to the issuance country
`account_details.business_person_details.identifications.primary.drivers_license.issuing_state`	Required if input ID details manually and applicable to the issuance country	Required if input ID details manually and applicable to the issuance country	Required if input ID details manually and applicable to the issuance country	Required if input ID details manually and applicable to the issuance country
`account_details.business_person_details.identifications.primary.drivers_license.number`	Required if input ID details manually	Required if input ID details manually	Required if input ID details manually	Required if input ID details manually
`account_details.business_person_details.identifications.primary.passport`	Optional (only applicable for non-US persons)	Optional (only applicable for non-US persons)	Optional (only applicable for non-US persons)	Optional (only applicable for non-US persons)
`account_details.business_person_details.identifications.primary.passport.front_file_id`	Required if upload picture	Required if upload picture	Required if upload picture	Required if upload picture
`account_details.business_person_details.identifications.primary.personal_id`	Optional (only applicable for non-US persons)	Optional (only applicable for non-US persons)	Optional (only applicable for non-US persons)	Optional (only applicable for non-US persons)
`account_details.business_person_details.identifications.primary.personal_id.back_file_id`	Required if upload picture	Required if upload picture	Required if upload picture	Required if upload picture
`account_details.business_person_details.identifications.primary.personal_id.effective_at`	Optional	Optional	Optional	Optional
`account_details.business_person_details.identifications.primary.personal_id.expire_at`	Required if input ID details manually	Required if input ID details manually	Required if input ID details manually	Required if input ID details manually
`account_details.business_person_details.identifications.primary.personal_id.front_file_id`	Required if upload picture	Required if upload picture	Required if upload picture	Required if upload picture
`account_details.business_person_details.identifications.primary.personal_id.number`	Required if input ID details manually	Required if input ID details manually	Required if input ID details manually	Required if input ID details manually
`account_details.business_person_details.identifications.primary.tax_id`	Optional (only applicable for US persons)	Optional (only applicable for US persons)	Optional (only applicable for US persons)	Optional (only applicable for US persons)
`account_details.business_person_details.identifications.primary.tax_id.number`	Required	Required	Required	Required
`account_details.business_person_details.identifications.primary.tax_id.type`	SSN or ITIN	SSN or ITIN	SSN or ITIN	SSN or ITIN
`account_details.business_person_details.identifications.secondary`	Required only if business address is in NY, HI, NV, IN must upload picture	Required only if business address is in NY, HI, NV, IN must upload picture	Required only if business address is in NY, HI, NV, IN must upload picture	Required only if business address is in NY, HI, NV, IN must upload picture
`account_details.business_person_details.identifications.secondary.identification_type`	Required; any government-issued IDs with photo: DRIVERS_LICENCE, PASSPORT, PERSONAL_ID	Required; any government-issued IDs with photo: DRIVERS_LICENCE, PASSPORT, PERSONAL_ID	Required; any government-issued IDs with photo: DRIVERS_LICENCE, PASSPORT, PERSONAL_ID	Required; any government-issued IDs with photo: DRIVERS_LICENCE, PASSPORT, PERSONAL_ID
`account_details.business_person_details.identifications.secondary.issuing_country_code`	Required	Required	Required	Required
`account_details.business_person_details.identifications.secondary.drivers_license`	Optional	Optional	Optional	Optional
`account_details.business_person_details.identifications.secondary.drivers_license.back_file_id`	Required if upload picture	Required if upload picture	Required if upload picture	Required if upload picture
`account_details.business_person_details.identifications.secondary.drivers_license.front_file_id`	Required if upload picture	Required if upload picture	Required if upload picture	Required if upload picture
`account_details.business_person_details.identifications.secondary.passport`	Optional	Optional	Optional	Optional
`account_details.business_person_details.identifications.secondary.passport.front_file_id`	Required if upload picture	Required if upload picture	Required if upload picture	Required if upload picture
`account_details.business_person_details.identifications.secondary.personal_id`	Optional	Optional	Optional	Optional
`account_details.business_person_details.identifications.secondary.personal_id.back_file_id`	Required if upload picture	Required if upload picture	Required if upload picture	Required if upload picture
`account_details.business_person_details.identifications.secondary.personal_id.front_file_id`	Required if upload picture	Required if upload picture	Required if upload picture	Required if upload picture
`account_details.business_person_details.job_title`	Required for controlling person	Required for controlling person	Required for controlling person	Required for controlling person
`account_details.business_person_details.last_name`	Required	Required	Required	Required
`account_details.business_person_details.nationality`	Required	Required	Required	Required
`account_details.business_person_details.roles`	One or more of the following: AUTHORISED_PERSON, BENEFICIAL_OWNER, CONTROLLING_PERSON	One or more of the following: AUTHORISED_PERSON, BENEFICIAL_OWNER, CONTROLLING_PERSON	AUTHORISED_PERSON and BENEFICIAL_OWNER	AUTHORISED_PERSON and BENEFICIAL_OWNER
`account_details.business_person_details.email`	Optional	Optional	Optional	Optional
`account_details.business_person_details.phone_number`	Optional	Optional	Optional	Optional
`account_details.legal_entity_type`	Business	Business	Business	Business
`customer_agreements`	Required	Required	Required	Required
`customer_agreements.agreed_to_data_usage`	Required	Required	Required	Required
`customer_agreements.agreed_to_terms_and_conditions`	Required	Required	Required	Required
`primary_contact`	Required	Required	Required	Required
`primary_contact.email`	Required	Required	Required	Required
`primary_contact.mobile`	Required if wish to use Payments or W-9/W-8 tax component	Required if wish to use Payments or W-9/W-8 tax component	Required if wish to use Payments or W-9/W-8 tax component	Required if wish to use Payments or W-9/W-8 tax component

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