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CA Onboarding

Learn how to onboard businesses and individuals in the Canada using Customer Onboarding v5.

CA onboarding includes:

  • Manual business verification
  • Electronic and manual identity verification (KYC)
  • Beneficial ownership disclosure (≥ 25%)
  • Compliance review before activation

Onboarding Flow​

Nium offers only Manual KYB flows for customers in Canada. Submission of business documents may be required depending on the business type. Check Required Documents.

Please note that businesses registered in Quebec cannot be onboarded on Nium platform to comply with fintech requirements

Step 1: Upload required documents​

Use the Files API request to upload required business documents.

The response returns a fileId.

You must reference this fileId when submitting the onboarding request.

For the full list of required documents, see CA Required Documents.

Step 2: Applicant declaration​

The authorized representative must confirm the following statement:

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 present. I have read and accepted the Nium Terms and Conditions.

Capture this confirmation using a clickwrap and submit the following fields in your onboarding request:

FieldTypeRequiredDescription
applicantDeclarationbooleanYesIndicates acceptance of the declaration.
applicantDeclarationTimestamptimestampYesFormat: YYYY-MM-DD HH:MM:SS

Step 3: Submit customer details​

Use the Create Customer v5 request and include:

  • customer details
  • Customer Registered address
  • Stakeholder & applicant details (applicable for corporate customer)
  • Uploaded fileId references
  • Applicant declaration fields
  • Bank Account Details

After submission, the applicant proceeds for KYC Verification.

statussubstatus
pendingawaiting_kyc

Step 4: Complete Identity Verification (KYC)​

The applicant opens the Nium’s hosted KYC form.

Access is protected by a One-Time Password (OTP) sent to the registered email address of the applicant.

CA onboarding supports both electronic and manual identity verification for Individual customers and Applicants of corporate customers. KYC verification is not required for stakeholders.

Verification options differ for:

  • CA residents
  • Non-CA residents
ResidencyElectronicBiometricManual
CA residentYes (preferred)Yes (fallback)Yes
Non-CA residentNoYes (preferred)Yes

See CA Required Documents for more information on POI/ POA documents

Step 5: Compliance review​

After KYC is completed for the applicant

statussubstatus
pendingunder_review

Nium’s compliance team reviews submitted information offline.

If additional details are required:

  • An RFI (Request for Information) is raised
  • The customer responds through the RFI Hosted Form

Nium returns the final outcome via webhook.

For next steps based on application status, see Customer Onboarding Lifecycle.

Multi-layer ownership​

If another corporate entity owns more than 25% (directly or indirectly):

  • Declare all corporate stakeholders in the ownership chain.
  • Submit ownership structure documentation.

See CA Required Documents for more information.

Position mapping​

A Yes value indicates that the position can be submitted for that businessType.
A blank cell means the position is not applicable.

You can also retrieve valid positions dynamically using Fetch Corporate Constants with category = positions.

businessTypeSIGNATORYDIRECTOREXECUTORPARTNERPROTECTORSETTLORSHAREHOLDERTRUSTEEUBO
PRIVATE_COMPANYYesYesYesYes
PUBLIC_COMPANYYesYesYesYes
TRUSTYesYesYesYesYesYesYesYes
CHARITYYesYesYesYesYes
PARTNERSHIPYesYesYes
WIDELY_HELD_TRUSTYesYesYesYesYesYesYesYes
SOLE_TRADERYesYes