CA onboarding

Overview

This page contains details of the Canada (CA) KYB flows with the following sub-pages for quick reference:

Nium offers Manual KYB flows for customers in Canada. Please note that businesses registered in Quebec cannot be onboarded on Nium platform to comply with fintech requirements

Manual KYB Flow

The following steps need to be performed for completing an application via Manual KYB.

For Manual KYB, you need to call the Onboard Corporate Customer API directly. In this flow, the entire request body needs to be passed in the Onboard Corporate Customer API.

Onboard Corporate Customer API

You need to collect all the details required to call the Onboard Corporate Customer API through an onboarding form and call the API with the full request body.

Applicant KYC

The E_KYC, E_DOC_VERIFY, and MANUAL_KYC are supported for applicants for eKYB flow in Canada. For applicants, you pass E_KYC (for CA residents) or E_DOC_VERIFY (for non-CA residents) in businessDetails.applicantDetails.kycMode. If required, the client can make use of theMANUAL_KYC for non-CA residents; however, uploading of documents is required for Manual KYC which needs to be sent in businessDetails.applicantDetails.documentDetails. For details, see HK required documents for applicants.

The uploading of documents is mandatory for MANUAL_KYC which has to be sent in businessDetails.applicantDetails.documentDetails. See CA required documents for details.

Applicant eDocVerify

As a response to the Onboard Corp Customer API, Nium returns a redirect URL. You need to save this URL and redirect the applicant to the redirect URL. The applicant then lands on the KYC vendor's page, where he can complete the KYC verification by uploading his proof of identity and proof of address documents with a live selfie. After that, applicants are redirected back to your client KYC redirect URL that was configured with Nium.

Redirection can result in the following scenarios, based on the below parameters.

• errorCode
• errorMessage
• isSuccess – This field indicates if the applicant completed the required steps in the vendor’s UI. It doesn't mean KYC is successful.

Based on the scenario, you can implement the next steps as provided in the table above.

Example of a redirect to the client in a successful case

https://www.clientRedirectURL.com/?clientId=NIM1681898211881&caseId=4ff53849-3d30-45c8-af11-

f95c315ce83c&isSucces=true&errorCode=&errorMessage=

Example of a redirect to the client in a failed case

https://www.clientRedirectURL.com/?clientId=NIM1681898211881&caseId=4ff53849-3d30-45c8-af11-

f95c315ce83c&errorCode=R408&errorMessage=redirectURLExpired&isSucces=false

When the applicant's businessDetails.applicantDetails.address.country is US, the applicant's address' state needs to be a valid 2 letter state code. Use the Fetch corporate constants API for acceptable values.

When the applicant's businessDetails.applicantDetails.address.country is GB, the applicant's postcode needs to be in the SW4 6EH format.

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CAUTION

There's an expiration time for the redirectURL so the applicant needs to complete the process soon after submitting the application.

If the URL expires, the applicant is redirected to your configured client KYC redirect URL with an error message. Use the Regenerate KYC URL API to get a new URL with a new expiration time.

Upload documents, if required

Document upload is required for Business and for the applicant if the kycMode is MANUAL_KYC

Documents can be submitted either of two ways:

• As part of the Onboard Corporate Customer API
• Via the Upload Document API

The Upload Document API is preferred since it uploads one document at a time, which reduces the loading time. This API can be called only while the application is in the IN_PROGRESS state.

You can use the remarks field to list which documents Nium is expecting, in the response of both APIs.

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CAUTION

The API gateway has a limit of 10 MB for any API request. This makes Upload Document API the preferred way to upload documents since you can upload one document at a time.

For the entire list of required documents for manual KYB and eKYB flows, see CA required documents.

Applicant Declaration

CA applicant declaration must happen in the following way.

While building the form, you should ensure that the applicant declaration is a checkbox that is collected on a separate page after the applicant has already filled in the Stakeholder information. This page should show the list of all stakeholders in view mode. The applicant declaration text should imply the following statements objectively:

• The List of UBOs and their details provided are true and verified by the applicant
• The List of directors and their details provided are true and verified by the applicant
• All the other information provided by the applicant is true and verified.

"I certify that I am the authorized representative of the customer; all information provided and documents submitted are complete and correct. I confirm that I have provided all the UBOs and directors or equivalent positions available. I have read and accepted the Nium Terms and Conditions."

You can accept this through a clickwrap and send Nium the confirmation by passing businessDetails.applicantDetails.additionalInfo.applicantDeclaration='Yes'. This is a mandatory field, and passing any other value would result in a validation error. You can show the below text while accepting the clickwrap.

Stakeholder KYC

Stakeholder KYC is not required in Canada. You can ignore the businessDetails.stakeholders.stakeholderDetails.kycMode field.

After submission and completion of applicant KYC in case of E_DOC_VERIFY, and submission of required documents, the status in the response of the Onboard Corporate customer is IN_PROGRESS. Nium initiates real-time verification and sends the response via webhook. The application can get approved at this stage; and if it isn't approved, the application goes through manual review. Any changes in status is again communicated via webhook.

Refer to the next steps based on the response of the Webhooks.

Terms and Conditions

You must show customers the Nium terms and conditions configured for your client resource. You can fetch these specific terms and conditions using our Terms And Conditions API.

Customers can only submit the onboarding form once they accept the terms and conditions.

To fetch the Terms And Conditions API:

1. Wait for the Onboarding API to return a customerHashId.
2. Once returned, call our Accept Terms and Conditions API and include the customerHashId.
3. Show the customer the returned terms and conditions and record their acceptance before allowing them to transact.

For more details, see Terms and Conditions.