Manage end users who send or receive payments through your integration
individual
or business
) that you interact with for payment purposes.
Field | Type | Description | Required? |
---|---|---|---|
id | string | Unique identifier for the customer, generated by Straddle. | |
name | string | Full name of the individual or business name. | |
type | string | Type of customer (individual or business ). | |
email | string | Customer’s email address. | |
phone | string | Customer’s phone number in E.164 format. | |
external_id | string | Your system’s unique identifier for this customer. | |
status | string | Current status of the customer (pending , review , verified , rejected , inactive ). | |
address | object | Customer’s address information. | |
↳ address1 | string | Primary address line. | |
↳ address2 | string | Secondary address line (optional). | |
↳ city | string | City name. | |
↳ state | string | State or province code. | |
↳ zip | string | Postal or ZIP code. | |
↳ country | string | Country code (ISO 3166-1 alpha-2). | |
↳ type | string | Type of address (residential or commercial ). | |
compliance_profile | object | Information used for identity verification. | |
↳ dob | string | Date of birth (YYYY-MM-DD format). | |
↳ ssn | string | Full or last 4 digits of Social Security Number (masked in responses). | |
↳ ein | string | Employer Identification Number (for business customers). | |
↳ legal_business_name | string | Two-letter abbreviation of the state where the business was originally registered (for business customers). | |
↳ website | string | URL of the company’s official website (for business customers). | |
↳ representatives | object | A list of people associated with the Business. (for business customers). | |
device | object | Information about the device used during customer creation. | |
↳ ip_address | string | IP address of the device. | |
metadata | object | User-defined key-value pairs for storing additional information. | |
created_at | datetime | Timestamp of when the customer record was created. | |
updated_at | datetime | Timestamp of the most recent update to the customer record. |
Identity
KYC
Know Your Customer (KYC) matches consumer-provided PII against the closest single identity on record or best-matched entity and returns a true or false value indicating the likelihood of a match. KYC is a legal requirement for financial institutions and financial services companies to establish a consumer’s identity and identify risk factors.
Straddle KYC is accurately auditable and fully compliant with Section 326 of the US Patriot Act, the Customer Identification Program (CIP), and FinCEN’s expanded Customer Due Diligence (CDD) program.
dob
and ssn
in the “Compliance Profile” of an API request when creating a customer to trigger KYC validationAML and Watchlist Monitoring
Global Watchlist Screening with Monitoring identifies risk by matching person and non-person entities against sanctions and enforcement lists, as well as Politically Exposed Persons (PEP) and adverse media registries worldwide.
pending
: Initial status when the customer is created
review
: Additional review is needed
verified
: Customer has passed all verification checks
rejected
: Customer failed verification checks
inactive
: Customer is no longer active
Status | Description |
---|---|
pending | Initial status when the customer is created. |
review | Additional review is needed for verification. |
verified | Customer has passed all verification checks. |
rejected | Customer failed verification checks. |
inactive | Customer is no longer active. |
Notes
ssn
field in the compliance_profile
is always masked in API responses for security reasons. Use the unmasked customer data endpoint to access the full SSN when necessary and authorized.
ein
, website
and representatives
fields in the compliance_profile
are only applicable for business customers.
device
information is automatically captured when a customer is created through your application. This data is used as part of the identity verification process.
metadata
object can contain up to 20 key-value pairs, each with a maximum length of 40 characters for keys and 500 characters for values.
created_at
and updated_at
fields are automatically managed by Straddle and cannot be modified directly.
POST /v1/customers
endpoint. Here’s an example of how to create a customer using the Straddle API:
id
for the customer, which you’ll use for future operations.
GET /v1/customers/{id}
endpoint:
PUT /v1/customers/{id}
endpoint:
GET /v1/customers
endpoint. This endpoint supports pagination and various filter options:
status
, type
, created_from
, created_to
, and more. Refer to the API reference for a complete list of available filters.
review
, it means additional verification is needed. You can use the GET /v1/customers/{id}/review
endpoint to retrieve detailed information about the review:
PATCH /v1/customers/{id}/review
endpoint:
GET /v1/customers/{id}/unmasked
endpoint:
I1001
: Identity not found within Consortium Institutions
R201
: The input SSN is invalid
R551
: Email address is invalid
R603
: Phone number is invalid
R703
: Address is invalid or does not exist