Skip to main content

​
Organization Customer (B2B) Flow

Complete end-to-end guide for onboarding organization (B2B) customers - from registration through to active transaction operations.

​
Flow Overview

The Organization Customer flow is more complex than individual customers, involving multiple stakeholders (employees, directors, shareholders) and additional compliance requirements.

​
Timeline

Registration → Personnel → Verification → Consent → Activation → Operations
   (10 min)     (20 min)    (2-5 days)    (10 min)   (instant)    (ongoing)

​
Key Characteristics

CharacteristicDescription
Multi-StakeholderEmployees, Directors, Shareholders
Role-Based AccessCOMPLIANCE_OFFICER, TRANSACTION_APPROVER, ADMIN_USER
Dual Record CreationOrganization + Individual records for personnel
Enhanced VerificationKYB (Know Your Business) + UBO verification
Categorization-Based LimitsTransaction limits based on risk category
Tenant-Level ApprovalMedium-risk approved by tenant admin

​
The 8 Phases

1

Phase 1: Organization Registration

Create organization record with legal information, addresses, and representatives.Key Endpoint: POST /api/v2.1/customer/organization/registrationDuration: ~10 minutes
2

Phase 2: Personnel Management

Add directors, shareholders, and employees. Each creates an individual customer record.Key Endpoints:
  • POST /api/v2.1/customer/organization/{orgId}/director
  • POST /api/v2.1/customer/organization/{orgId}/shareholders
  • POST /api/v2.1/customer/organization/{orgId}/employee
Duration: ~20 minutes
3

Phase 3: Organization Verification

KYB verification with business documents and UBO verification.Key Endpoint: POST /api/v2.1/customer/organization/{orgId}/verifyDuration: 2-5 business days
4

Phase 4: Consent Management

Accept organization-level consents with authorized signatory details.Key Endpoint: POST /api/v2.1/customer/organization/{orgId}/consents/{type}Duration: ~10 minutes
5

Phase 5: Organization Activation

Validate roles, activate organization, generate IBAN and wallet.Key Endpoint: POST /api/v2.1/customer/organization/{orgId}/activationDuration: Instant
6

Phase 6: Beneficiary Management

Add business beneficiaries with enhanced due diligence.Key Endpoint: POST /api/v2.1/fintrans/{accountId}/beneficiariesDuration: Ongoing
7

Phase 7: Payment Consent Setup

Create payment consents with limits and beneficiary restrictions.Key Endpoint: POST /api/v2.1/fintrans/{walletId}/payment-consents/types/transferDuration: ~5 minutes
8

Phase 8: Transaction Operations

Fund wallet, prepare transfers, execute payments with document requirements.Key Endpoint: POST /api/v2.1/fintrans/{accountId}/types/transfer/executeDuration: Ongoing

​
Critical Prerequisites

​
For Registration

  • Legal documents (registration number, tax ID)
  • Registered address
  • Contact person details
  • Representatives information

​
For Personnel

  • Organization must be registered
  • Valid admin session

​
For Activation

ALL prerequisites must be met:
  1. User has COMPLIANCE_OFFICER or ADMIN_USER role
  2. Organization status: Not already ACTIVE
  3. Verification: APPROVED
  4. Role requirements met for business type
  5. Organization consents: All three ACCEPTED

​
For Transactions

  • Active wallet
  • Payment consents in place
  • Pre-registered beneficiaries
  • Supporting documents (for high-value)

​
B2B vs B2C Key Differences

AspectOrganization (B2B)Individual (B2C)
RegistrationRequires separate personnel endpointsSingle endpoint
PersonnelDirectors, Shareholders, EmployeesN/A
First EmployeeMust have ADMIN_USER roleN/A
VerificationKYB (Business + UBO)KYC (Identity)
Consent FormatRequires acceptedBy + acceptedDateaccepted: true only
ActivationRequires activationReason + admin headersSimple code
DocumentsAdditional metadata fieldsBasic fields

​
Phase Navigation

Phase 1: Registration

Organization registration with legal details

Phase 2: Personnel

Directors, shareholders, employees

Phase 3: Verification

KYB verification process

Phase 4: Consents

Organization consent acceptance

Phase 5: Activation

Role validation & activation

Phase 6: Beneficiaries

Business beneficiary management

Phase 7: Payment Consent

Payment consent with restrictions

Phase 8: Transactions

Transfers and payments

​
Quick Reference: All Endpoints

PhaseEndpointMethodDescription
1/api/v2.1/customer/organization/registrationPOSTRegister organization
1/api/v2.1/customer/organization/{orgId}GETGet organization details
2/api/v2.1/customer/organization/{orgId}/directorPOSTAdd director
2/api/v2.1/customer/organization/{orgId}/shareholdersPOSTAdd shareholders (bulk)
2/api/v2.1/customer/organization/{orgId}/employeePOSTAdd employee
3/api/v2.1/customer/organization/{orgId}/verifyPOSTInitiate verification
3/api/v2.1/verifications/{id}/documentsPOSTUpload documents
3/api/v2.1/verifications/{id}/approvePOSTApprove verification
4/api/v2.1/customer/organization/{orgId}/consents/termsPOSTAccept terms
4/api/v2.1/customer/organization/{orgId}/consents/privacyPOSTAccept privacy
4/api/v2.1/customer/organization/{orgId}/consents/data-processingPOSTAccept data processing
5/api/v2.1/customer/organization/{orgId}/activationPOSTActivate organization
6/api/v2.1/fintrans/{accountId}/beneficiariesPOSTAdd beneficiary
6/api/v2.1/fintrans/{accountId}/beneficiariesGETList beneficiaries
7/api/v2.1/fintrans/{walletId}/payment-consents/types/transferPOSTCreate payment consent
8/api/v2.1/fintrans/{accountId}/types/topup/preparePOSTPrepare topup
8/api/v2.1/fintrans/{accountId}/types/transfer/preparePOSTPrepare transfer
8/api/v2.1/fintrans/{accountId}/types/transfer/executePOSTExecute transfer