SG onboarding

Overview

This page contains details about the Singapore Know Your Customer (KYC) flows and links to the following sub-pages for quick reference:

eKYC – SG

When using the Unified Add Customer API to add a customer in Singapore, eKYC verification is performed.

In Singapore, the add customer eKYC process is as follows:

1. Your new customer signs up for verification.
2. send a GET request to the Terms and Conditions API.
3. Nium returns the Terms and Conditions description.
4. Display the Terms and Conditions to your customer to agree and accept. You collect all customer information for onboarding.
5. Send a POST request to the Unified Add Customer API as per the SG required parameters.
6. Nium returns the redirectURL which you inform your customer.
7. Send a POST request to the Accept Terms and Conditions API and include the customerHashId.
8. Nium returns a success confirmation upon receipt.
9. Direct your customer for completing the verification with the vendor.
10. After the verification process completes, your customer is redirected back to the eKYC redirect URL that is configured during the client setup.
11. Nium sends a callback request for any change in the compliance tatus with the customerHashId.
12. Send a response with the HTTPS status code 200.
13. Call the Customer Details V2 API to get the detail information, including the compliance status (complianceStatus) of the customer.
14. Nium returns the customerDetails object, the complianceStatus field, and the kycStatus field.
15. Customer onboarding can be reinitiated if the compliance status is IN_PROGRESS, REJECT, or ERROR.

Manual KYC – SG

When using the Unified Add Customer API with compliance option as MANUAL_KYC to add a customer in Singapore, the following verification process is performed.

Exception handling for redirection flow

As a response to the Unified Add Customer API with KYC Mode E_KYC, Nium returns a redirect URL. You need to redirect the customer to the redirect URL. After the customer completes the KYC verification, they are redirected back to your eKYC redirect URL that was configured with Nium.

The following parameters will be returned as part of the eKYC redirect URL to help you to understand the status of the customer’s verification in the vendor’s UI.

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

This information helps you to design and implement the next steps in your application. For example, you may decide to show the success or error message to the customer as per the scenarios listed below.