JP Onboarding
Learn how to onboard businesses and individuals in the Japan using Customer Onboarding v5.
JP 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 Japan. Submission of business documents may be required depending on the business type. Check JP Required Documents.
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 JP 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:
| Field | Type | Required | Description |
|---|---|---|---|
applicantDeclaration | boolean | Yes | Indicates acceptance of the declaration. |
applicantDeclarationTimestamp | timestamp | Yes | Format: 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
fileIdreferences - Applicant declaration fields
- Bank Account Details
After submission, the applicant proceeds for KYC Verification.
| status | substatus |
|---|---|
pending | awaiting_kyc |
Step 4: Complete Identity Verification (KYC)
The applicant opens the Nium’s Pre-built KYC form.
Access is protected by a One-Time Password (OTP) sent to the registered email address of the applicant.
JP onboarding supports only manual identity verification for applicant or stakeholders.
See JP Required Documents for more information on POI/ POA documents for identity verification
Step 5: Compliance review
After KYC is completed for the applicant
| status | substatus |
|---|---|
pending | under_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 JP 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 = position.
businessType | DIRECTOR | SHAREHOLDER | SIGNATORY | UBO |
|---|---|---|---|---|
PRIVATE_LIMITED_COMPANY | Yes | Yes | Yes | Yes |
PUBLIC_COMPANY | Yes | Yes | Yes | Yes |