SG onboarding

This page contains details about the different Singapore Know Your Customer (KYC) flows. See the following links for other pages related to onboarding:

eKYC – Singapore (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. Direct your customer for completing the verification with the vendor.
8. After the verification process completes, your customer is redirected back to the eKYC redirect URL that is configured during the client setup.
9. Nium sends a CUSTOMER_COMPLIANCE_STATUS webhook with complianceStatus .
10. Send a response with the HTTPS status code 200.
11. Customer onboarding can be reinitiated if the compliance status is IN_PROGRESS, REJECT, or ERROR.

eDoc Verification - Non-SG

When onboarding residents outside of Singapore, use E_DOC_VERIFY as the KYC mode.

The eDoc Verify flow is similar to the eKYC flow, with the primary difference being the URL returned by Nium originates from our address verification vendor - Onfido.

Customers outside of Singapore will need to upload a selfie and a valid identity document during onboarding. After completing these steps, they will be redirected to your callback URL.

Proof of Address Verification

If proof of address verification is required, the eDoc Verify flow changes based on the customer's country.

The onboarding flow changes based on the billingAddress.country since our address verification vendor, Onfido, doesn't support all countries.

To ensure the correct templates are set for your account, include a list of countries where you plan to onboard customers during your onboarding with Nium.

Based on the country the customer is located in, the eDoc verification flows available include:

Supported Countries

If the customer's country appears in the Singapore - eDoc verification - Supported Countries list, pass `kycMode`` as E_DOC_VERIFY. The customer's flow remains the same as the default eDoc verification flow.

• The redirect link returned will include an additional step for collecting the address verification document.
• The Onfido link will prompt the customer to upload their address verification document.

See the following for a full list of countries supported by our address verification vendor:

Singapore - eDoc Verification - Supported Countries

Country	Country Code
Andorra	AD
Algeria	DZ
Argentina	AR
Australia	AU
Austria	AT
Belgium	BE
Bermuda	BM
Brazil	BR
British Virgin Islands	VG
Bulgaria	BG
Canada	CA
Cayman Islands	KY
Chile	CL
Colombia	CO
Costa Rica	CR
Croatia	HR
Czech Republic	CZ
Denmark	DK
Dominican Republic	DO
Ecuador	EC
Estonia	EE
Ethiopia	ET
Finland	FI
France	FR
Germany	DE
Ghana	GH
Gibraltar	GI
Guatemala	GT
Hong Kong	HK
Hungary	HU
Iceland	IS
Indonesia	ID
Ireland	IE
Isle of Man	IM
Italy	IT
Ivory Coast	CI
Jamaica	JM
Jersey	JE
Kenya	KE
Kuwait	KW
Latvia	LV
Liechtenstein	LI
Lithuania	LT
Luxembourg	LU
Malaysia	MY
Malta	MT
Mexico	MX
Monaco	MC
Netherlands	NL
New Zealand	NZ
Nigeria	NG
Norway	NO
Panama	PA
Peru	PE
Philippines	PH
Poland	PL
Portugal	PT
Romania	RO
San Marino	SM
Saudi Arabia	SA
Senegal	SN
Serbia	RS
Singapore	SG
Slovakia	SK
Slovenia	SI
South Africa	ZA
South Korea	KR
Spain	ES
Sweden	SE
Switzerland	CH
Taiwan	TW
Tanzania	TZ
Turkey	TR
Uganda	UG
Ukraine	UA
United Arab Emirates	AE
United Kingdom	GB
United States of America	US
Vietnam	VN

Unsupported Countries

For countries not supported by our vendor, collect the address verification documents manually. Pass kycMode as E_DOC_VERIFY - the URL returned by Nium will ask the customer to perform selfie and ID verification, but not address verification.

Upload the address document using the identificationDoc object in the Unified Add Customer, or the Upload Document request.

The application status will remain in_progress until the document is submitted. Our compliance team will manually verify the document once it is submitted.

Please note, Auto-approval of the customer is not possible for customers in unsupported countries.

Manual KYC – Singapore (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

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.