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OverviewUnderstanding Payments for PlatformsChoose your Payments for Platforms solution
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Hold & convert funds
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Connected accounts overviewOnboard connected accounts
KYC and onboarding
Embedded KYC componentHosted OnboardingNative API
Business KYC requirements
Australia (AU)
Canada (CA)China (CN)Germany (DE)Spain (ES)France (FR)United Kingdom (GB)Hong Kong (HK)Ireland (IE)Italy (IT)Netherlands (NL)Singapore (SG)United States (US)Others
Individual KYC Requirements
Simulate connected account status transition
Handle KYC RFI
KYB and onboarding
Handle Payment Enablement RFI
Onboard multiple connected accountsMove funds between accounts
Error codes

Australia (AU)

Below are the KYC requirements for the Australia (AU) 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.

Minimum verification requirements (Company, Partnership, Sole Trader)

ParameterCompanyPartnershipSole Trader
account_detailsRequiredRequiredRequired
account_details.business_detailsRequiredRequiredRequired
account_details.business_details.registration_addressRequiredRequiredRequired
account_details.business_details.registration_address.address_line1RequiredRequiredRequired
account_details.business_details.registration_address.country_codeRequiredRequiredRequired
account_details.business_details.registration_address.postcodeRequiredRequiredRequired
account_details.business_details.registration_address.stateRequiredRequiredRequired
account_details.business_details.registration_address.suburbRequiredRequiredRequired
account_details.business_details.as_trusteeOptionalOptionalOptional
account_details.business_details.attachmentsOptionalRequiredOptional
account_details.business_details.attachments.business_documentsOptional; Full trust deed or unit holder register if any UBO's shares are held in trustRequired; Partnership agreementNot applicable; must have a registered ABN
account_details.business_details.attachments.business_documents.file_idOptionalRequiredOptional
account_details.business_details.attachments.business_documents.tagTRUST_DEED or UNIT_HOLDER_REGISTERPARTNERSHIP_AGREEMENTOptional
account_details.business_details.business_nameRequiredRequiredRequired
account_details.business_details.business_structureCOMPANYPARTNERSHIPSOLE_PROPRIETOR
account_details.business_details.description_of_goods_or_servicesRequiredRequiredRequired
account_details.business_details.industry_category_codeRequiredRequiredRequired
account_details.business_details.operating_countryRequiredRequiredRequired
account_details.business_details.business_identifiersRequiredRequiredRequired
account_details.business_details.business_identifiers.numberRequired; could be ABN or ACNRequired; must be ABNRequired; must be ABN
account_details.business_details.business_identifiers.typeBRNBRNBRN
account_details.business_details.business_identifiers.country_codeAUAUAU
account_details.business_details.account_usageRequiredRequiredRequired
account_details.business_details.account_usage.product_referenceRequiredRequiredRequired
account_details.business_details.account_usage.estimated_monthly_revenueRequiredRequiredRequired
account_details.business_details.account_usage.estimated_monthly_revenue.currencyRequiredRequiredRequired
account_details.business_details.account_usage.estimated_monthly_revenue.amountRequiredRequiredRequired
account_details.business_person_detailsAll UBOs (including trust appointers if shares are held in trusts), and PPTA if applicableAll UBOs, and PPTA if applicableThe UBO
account_details.business_person_details.residential_addressRequiredRequiredRequired
account_details.business_person_details.residential_address.address_line1RequiredRequiredRequired
account_details.business_person_details.residential_address.country_codeRequiredRequiredRequired
account_details.business_person_details.residential_address.postcodeRequiredRequiredRequired
account_details.business_person_details.residential_address.stateRequiredRequiredRequired
account_details.business_person_details.residential_address.suburbRequiredRequiredRequired
account_details.business_person_details.date_of_birthRequiredRequiredRequired
account_details.business_person_details.first_nameRequiredRequiredRequired
account_details.business_person_details.identificationsRequiredRequiredRequired
account_details.business_person_details.identifications.primaryRequiredRequiredRequired
account_details.business_person_details.identifications.primary.identification_typeRequired; any government-issued IDsRequired; any government-issued IDsRequired; any government-issued IDs
account_details.business_person_details.identifications.primary.issuing_country_codeRequiredRequiredRequired
account_details.business_person_details.identifications.primary.drivers_licenseOptionalOptionalOptional
account_details.business_person_details.identifications.primary.drivers_license.back_file_idRequired if upload pictureRequired if upload pictureRequired if upload picture
account_details.business_person_details.identifications.primary.drivers_license.effective_atOptionalOptionalOptional
account_details.business_person_details.identifications.primary.drivers_license.expire_atRequired if input ID details manuallyRequired if input ID details manuallyRequired if input ID details manually
account_details.business_person_details.identifications.primary.drivers_license.front_file_idRequired if upload pictureRequired if upload pictureRequired if upload picture
account_details.business_person_details.identifications.primary.drivers_license.genderRequired if input ID details manually and applicable to the issuance countryRequired if input ID details manually and applicable to the issuance countryRequired if input ID details manually and applicable to the issuance country
account_details.business_person_details.identifications.primary.drivers_license.issuing_stateRequired if input ID details manually and applicable to the issuance countryRequired if input ID details manually and applicable to the issuance countryRequired if input ID details manually and applicable to the issuance country
account_details.business_person_details.identifications.primary.drivers_license.numberRequired if input ID details manuallyRequired if input ID details manuallyRequired if input ID details manually
account_details.business_person_details.identifications.primary.drivers_license.versionRequired if input ID details manually and applicable to the issuance country (e.g., card number in AU)Required if input ID details manually and applicable to the issuance country (e.g., card number in AU)Required if input ID details manually and applicable to the issuance country (e.g., card number in AU)
account_details.business_person_details.identifications.primary.passportOptionalOptionalOptional
account_details.business_person_details.identifications.primary.passport.front_file_idRequired if upload pictureRequired if upload pictureRequired if upload picture
account_details.business_person_details.identifications.primary.personal_idOptionalOptionalOptional
account_details.business_person_details.identifications.primary.personal_id.back_file_idRequired if upload pictureRequired if upload pictureRequired if upload picture
account_details.business_person_details.identifications.primary.personal_id.effective_atOptionalOptionalOptional
account_details.business_person_details.identifications.primary.personal_id.expire_atRequired if input ID details manuallyRequired if input ID details manuallyRequired if input ID details manually
account_details.business_person_details.identifications.primary.personal_id.front_file_idRequired if upload pictureRequired if upload pictureRequired if upload picture
account_details.business_person_details.identifications.primary.personal_id.numberRequired if input ID details manuallyRequired if input ID details manuallyRequired if input ID details manually
account_details.business_person_details.last_nameRequiredRequiredRequired
account_details.business_person_details.nationalityRequiredRequiredRequired
account_details.business_person_details.rolesOne or more of the following: AUTHORISED_PERSON, BENEFICIAL_OWNEROne or more of the following: AUTHORISED_PERSON, BENEFICIAL_OWNEROne or more of the following: AUTHORISED_PERSON, BENEFICIAL_OWNER
account_details.legal_entity_typeBusinessBusinessBusiness
customer_agreementsRequiredRequiredRequired
customer_agreements.agreed_to_data_usageRequiredRequiredRequired
customer_agreements.agreed_to_terms_and_conditionsRequiredRequiredRequired
primary_contactRequiredRequiredRequired
primary_contact.emailRequiredRequiredRequired

Minimum verification requirements (Trust)

ParameterTrust
account_detailsRequired
account_details.business_detailsRequired
account_details.business_details.registration_addressRequired
account_details.business_details.registration_address.address_line1Required
account_details.business_details.registration_address.country_codeRequired
account_details.business_details.registration_address.postcodeRequired
account_details.business_details.registration_address.stateRequired
account_details.business_details.registration_address.suburbRequired
account_details.business_details.as_trusteeRequired if business structure is SELF_MANAGED_SUPER_FUND
account_details.business_details.attachmentsRequired
account_details.business_details.attachments.business_documentsRequired; Full trust deed or unit holder register
account_details.business_details.attachments.business_documents.file_idRequired
account_details.business_details.attachments.business_documents.tagTRUST_DEED or UNIT_HOLDER_REGISTER
account_details.business_details.business_nameRequired
account_details.business_details.business_structureSELF_MANAGED_SUPER_FUND or OTHERS
account_details.business_details.description_of_goods_or_servicesRequired
account_details.business_details.industry_category_codeRequired
account_details.business_details.operating_countryRequired
account_details.business_details.business_identifiersRequired
account_details.business_details.business_identifiers.numberRequired; could be ABN or TFN
account_details.business_details.business_identifiers.typeBRN
account_details.business_details.business_identifiers.country_codeAU
account_details.business_details.account_usageRequired
account_details.business_details.account_usage.product_referenceRequired
account_details.business_details.account_usage.estimated_monthly_revenueRequired
account_details.business_details.account_usage.estimated_monthly_revenue.currencyRequired
account_details.business_details.account_usage.estimated_monthly_revenue.amountRequired
account_details.business_person_detailsAll UBOs (appointer of the trust), and PPTA if applicable
account_details.business_person_details.residential_addressRequired
account_details.business_person_details.residential_address.address_line1Required
account_details.business_person_details.residential_address.country_codeRequired
account_details.business_person_details.residential_address.postcodeRequired
account_details.business_person_details.residential_address.stateRequired
account_details.business_person_details.residential_address.suburbRequired
account_details.business_person_details.date_of_birthRequired
account_details.business_person_details.first_nameRequired
account_details.business_person_details.identificationsRequired
account_details.business_person_details.identifications.primaryRequired
account_details.business_person_details.identifications.primary.identification_typeRequired; any government-issued IDs
account_details.business_person_details.identifications.primary.issuing_country_codeRequired
account_details.business_person_details.identifications.primary.drivers_licenseOptional
account_details.business_person_details.identifications.primary.drivers_license.back_file_idRequired if upload picture
account_details.business_person_details.identifications.primary.drivers_license.effective_atOptional
account_details.business_person_details.identifications.primary.drivers_license.expire_atRequired if input ID details manually
account_details.business_person_details.identifications.primary.drivers_license.front_file_idRequired if upload picture
account_details.business_person_details.identifications.primary.drivers_license.genderRequired if input ID details manually and applicable to the issuance country
account_details.business_person_details.identifications.primary.drivers_license.issuing_stateRequired if input ID details manually and applicable to the issuance country
account_details.business_person_details.identifications.primary.drivers_license.numberRequired if input ID details manually
account_details.business_person_details.identifications.primary.drivers_license.versionRequired if input ID details manually and applicable to the issuance country (e.g., card number in AU)
account_details.business_person_details.identifications.primary.passportOptional
account_details.business_person_details.identifications.primary.passport.front_file_idRequired if upload picture
account_details.business_person_details.identifications.primary.personal_idOptional
account_details.business_person_details.identifications.primary.personal_id.back_file_idRequired if upload picture
account_details.business_person_details.identifications.primary.personal_id.effective_atOptional
account_details.business_person_details.identifications.primary.personal_id.expire_atRequired if input ID details manually
account_details.business_person_details.identifications.primary.personal_id.front_file_idRequired if upload picture
account_details.business_person_details.identifications.primary.personal_id.numberRequired if input ID details manually
account_details.business_person_details.last_nameRequired
account_details.business_person_details.nationalityRequired
account_details.business_person_details.rolesAUTHORISED_PERSON and BENEFICIAL_OWNER
account_details.legal_entity_typeBusiness
account_details.trustee_detailsRequired only if business structure is SELF_MANAGED_SUPER_FUND
account_details.trustee_details.business_detailsRequired for corporate trustee under SMSF
account_details.trustee_details.business_details.registration_address.address_line1Required for corporate trustee under SMSF
account_details.trustee_details.business_details.registration_address.country_codeRequired for corporate trustee under SMSF
account_details.trustee_details.business_details.registration_address.postcodeRequired for corporate trustee under SMSF
account_details.trustee_details.business_details.registration_address.stateOptional
account_details.trustee_details.business_details.registration_address.suburbRequired for corporate trustee under SMSF
account_details.trustee_details.business_details.registration_address_englishRequired for corporate trustee under SMSF
account_details.trustee_details.business_details.business_nameRequired for corporate trustee under SMSF
account_details.trustee_details.business_details.business_person_detailsAll UBOs, required for corporate trustee under SMSF
account_details.trustee_details.business_details.business_person_details.residential_addressRequired
account_details.trustee_details.business_details.business_person_details.residential_address.address_line1Required
account_details.trustee_details.business_details.business_person_details.residential_address.country_codeRequired
account_details.trustee_details.business_details.business_person_details.residential_address.postcodeRequired
account_details.trustee_details.business_details.business_person_details.residential_address.stateOptional
account_details.trustee_details.business_details.business_person_details.residential_address.suburbRequired
account_details.trustee_details.business_details.business_person_details.date_of_birthRequired
account_details.trustee_details.business_details.business_person_details.first_nameRequired
account_details.trustee_details.business_details.business_person_details.identificationsRequired
account_details.trustee_details.business_details.business_person_details.identifications.primaryRequired
account_details.trustee_details.business_details.business_person_details.identifications.primary.identification_typeRequired; any government-issued IDs
account_details.trustee_details.business_details.business_person_details.identifications.primary.issuing_country_codeRequired
account_details.trustee_details.business_details.business_person_details.identifications.primary.drivers_licenseOptional
account_details.trustee_details.business_details.business_person_details.identifications.primary.drivers_license.back_file_idRequired if upload picture
account_details.trustee_details.business_details.business_person_details.identifications.primary.drivers_license.effective_atOptional
account_details.trustee_details.business_details.business_person_details.identifications.primary.drivers_license.expire_atRequired if input ID details manually
account_details.trustee_details.business_details.business_person_details.identifications.primary.drivers_license.front_file_idRequired if upload picture
account_details.trustee_details.business_details.business_person_details.identifications.primary.drivers_license.genderRequired if input ID details manually and applicable to the issuance country
account_details.trustee_details.business_details.business_person_details.identifications.primary.drivers_license.issuing_stateRequired if input ID details manually and applicable to the issuance country
account_details.trustee_details.business_details.business_person_details.identifications.primary.drivers_license.numberRequired if input ID details manually
account_details.trustee_details.business_details.business_person_details.identifications.primary.drivers_license.versionRequired if input ID details manually and applicable to the issuance country (e.g., card number in AU)
account_details.trustee_details.business_details.business_person_details.identifications.primary.passportOptional
account_details.trustee_details.business_details.business_person_details.identifications.primary.passport.front_file_idRequired if upload picture
account_details.trustee_details.business_details.business_person_details.identifications.primary.personal_idOptional
account_details.trustee_details.business_details.business_person_details.identifications.primary.personal_id.back_file_idRequired if upload picture
account_details.trustee_details.business_details.business_person_details.identifications.primary.personal_id.effective_atOptional
account_details.trustee_details.business_details.business_person_details.identifications.primary.personal_id.expire_atRequired if input ID details manually
account_details.trustee_details.business_details.business_person_details.identifications.primary.personal_id.front_file_idRequired if upload picture
account_details.trustee_details.business_details.business_person_details.identifications.primary.personal_id.numberRequired if input ID details manually
account_details.trustee_details.business_details.business_person_details.last_nameRequired
account_details.trustee_details.business_details.business_person_details.nationalityRequired
account_details.trustee_details.business_details.business_person_details.rolesBENEFICIAL_OWNER
account_details.trustee_details.business_details.business_structureRequired
customer_agreementsRequired
customer_agreements.agreed_to_data_usageRequired
customer_agreements.agreed_to_terms_and_conditionsRequired
primary_contactRequired
primary_contact.emailRequired
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