Introducing the Customer KYC API

Today, We’re introducing Customer KYC via API, a fully programmatic way to onboard and verify individual customers directly within your application.

This release gives you precise control over the KYC flow, from customer creation to final verification, without relying on hosted links or external redirects, while maintaining Sphere’s compliance and security standards.

What is Customer KYC via API?

The Customer KYC API allows you to verify individual customers entirely through API calls.

By submitting required customer data during creation and progressing through verification steps programmatically, you can manage the full onboarding lifecycle within your own product experience.

Key Benefits

Integrated user experience
Keep customers inside your application throughout onboarding, with no third-party handoffs.

Full programmatic control
Create, update, and advance customers through verification using API endpoints designed for flexible integration.

Reduced onboarding friction
Automate document collection, identity checks, and compliance steps in a single workflow.

Strong identity assurance
Built-in face liveness verification, OTP checks, and layered controls help prevent fraud and impersonation.

End-to-End KYC Workflow

The Customer KYC API supports the full verification lifecycle across six steps:

1. Customer creation
   Create a customer by submitting required personal, address, and tax information to initiate verification.
   
   
2. Terms of Service acceptance
   Generate a configurable TOS link to capture required consent.
   
   
3. Document submission
   Upload identity documents directly via API, with support for multiple document types and regions.
   
   
4. Liveness verification
   Generate a secure liveness verification link to confirm the customer matches their submitted ID.
   
   
5. Email and phone verification
   Verify contact information using one-time passcodes.
   
   
6. Submit for verification
   Once all steps are complete, submit the customer for final review.
   
   

Built for Developers

The API follows RESTful conventions and includes clear error handling and response schemas. Sandbox and production environments are available to support testing and deployment workflows.

Getting Started

The Customer KYC API is available now for all SpherePay customers. To get started:

1. Review our complete API documentation
2. Test your integration in our sandbox environment
3. Review our Individual Verification Criteria for accepted documents
4. Deploy to production and start onboarding customers
   
   

What’s Next

This release represents the first step in our broader API suite expansion. We're actively working on additional features to give you even more control over the customer verification process, including support for business customers and enhanced verification options.

We're committed to building the tools you need to onboard customers compliantly and efficiently. As always, we welcome your feedback as we continue to evolve our platform.

Ready to get started? Check out our complete documentation or reach out to our support team with any questions.