{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":["steps","typography"]},"type":"markdown"},"seo":{"title":"Know Your Customer (KYC)","llmstxt":{"title":"Glomopay developer documentation","description":"Cross-border payments APIs, organised by product. Each product section carries both the explanation of its objects and the job-shaped integration guides that set them up.","details":{"content":"How to use these docs:\n\n- Get started is the front door. It carries a routing table from\n  \"what are you building\" to the page that builds it, plus how to get\n  API keys.\n- The product sections - Payin, Payout, Multi-currency accounts,\n  Verification, Request for Information (RFI) - each hold two kinds of page.\n  Pages titled as a noun (\"Subscriptions\", \"Bank Transfer\") explain what\n  an object is. Pages titled as a job (\"Set up recurring subscriptions\",\n  \"Collect LRS remittances from India\") are complete integration flows\n  and live one level under the object they set up. Match a user's goal\n  against the job-shaped titles first.\n- Reports and Identity and Access Management are the two subjects with no\n  API counterpart. There are no endpoints for reports, users, roles or\n  invites; both pages document the merchant dashboard. A dashboard\n  procedure for something the API also does (a refund, a payout) is NOT\n  here - it stays in the product that owns it.\n- API reference is generated from OpenAPI and carries endpoint detail.\n- The OpenAPI description itself is published as a single self-contained\n  document at /openapi.yaml, and the same document as JSON at\n  /openapi.json. Every $ref is resolved into it, so one fetch is the\n  whole contract: 61 paths, 81 operations, 68 schemas - the same\n  endpoints the API reference pages render. Fetch that instead of\n  reading the 129 pages under /api-reference/.\n- Developer resources covers what every integration touches and no single\n  product owns: auth, errors, pagination, rate limits, webhooks,\n  versioning, supported countries, quotes, and the client SDKs.\n"},"sections":[{"title":"Get started","description":"The front door. The routing table from a merchant's goal to the flow that delivers it, how to obtain API keys, and the platform glossary.","includeFiles":["**/get-started/**"]},{"title":"Payin","description":"Collecting money: customers, orders, checkout, payment links, payment methods (cards, bank transfer, pay via bank), refunds, disputes, purpose codes, fee models, custom fields, subscriptions, and resident India remittance under LRS. Includes the flows that set each up - bank transfers, subscriptions, LRS remittances, and server-to-server card payments.","includeFiles":["**/payin/**"]},{"title":"Payout","description":"Sending money: the payout life cycle, queued payouts, creating and cancelling a payout, rails, beneficiaries, purpose codes, and the action required state.","includeFiles":["**/payout/**"]},{"title":"Multi-currency accounts","description":"Holding money: balances, balance conversion, adding balance, withdrawing balance, and the settlement holiday calendar - the Indian and US bank and FX holidays on which settlement to the merchant's bank account, and money movement generally, is affected.","includeFiles":["**/multi-currency-account/**"]},{"title":"Verification","description":"Proving who someone is and that an account is theirs: KYC, bank account validation, and third-party verification (TPV) with the flow that verifies a payer's bank account.","includeFiles":["**/verification/**"]},{"title":"Request for Information (RFI)","description":"Responding to a compliance request for information, per object - payment link, order, payment, payout - plus compliance reviews and RFIs raised on already-successful payments.","includeFiles":["**/request-for-information/**"]},{"title":"Reports","description":"The downloadable and scheduled reports a merchant pulls from the dashboard for reconciliation, compliance and treasury: payment, subscription, settlement breakup, balance statement and KYC reports, plus scheduling one for recurring email delivery. Dashboard only - there is no reports API.","includeFiles":["**/reports/**"]},{"title":"Identity and Access Management","description":"Administering who can use a merchant account: one set of credentials across multiple MIDs, switching between them without logging out, the Admin / Member / Sales Partner roles and what each may see and do, and inviting a new member. Dashboard only - there is no users, roles or invites API.","includeFiles":["**/access-management/**"]},{"title":"API reference","description":"Endpoint reference generated from the Glomopay OpenAPI description.","includeFiles":["**/api-reference/**"]},{"title":"Developer resources","description":"What every integration touches and no single product owns: auth, errors, pagination, rate limits, webhooks, versioning, API validations, security, supported countries, quotes, and the client SDKs - React Native, Flutter, Android and the Unified Web SDK, with per-version references and changelogs. Reports and Identity and Access Management used to be listed here and are now their own sections.","includeFiles":["**/platform/**"]}]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"know-your-customer-kyc","__idx":0},"children":["Know Your Customer (KYC)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The Glomo KYC Stack provides merchants with a comprehensive back-office interface to manage customer identity verification. It allows teams to initiate, track, and audit KYC journeys independently. Whether a merchant requires full automation via APIs or a manual dashboard-led workflow, the platform offers full visibility into every step of the verification funnel."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"key-features","__idx":1},"children":["Key Features:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Centralized Compliance Panel:"]}," A dedicated \"Compliance\" section in the dashboard houses all KYC-related activities."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Granular Step Tracking:"]}," View real-time progress for individual checks, including DigiLocker Aadhaar, bank penny verification, selfie uploads, and sanction screening."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Merchant Branding:"]}," The customer-facing KYC flow is fully configurable to reflect the merchant's unique logo and color theme"]}]}]},{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"img","attributes":{"src":"/assets/kyc-dashboard.d76de87a4b9f76583a02afdb385be450ba7a91c344ed5a81391fcfb4376ca122.c2a68df6.png","alt":"KYC Dashboard"},"children":[]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"1-generating-a-kyc-link-with-step-by-step-instructions","__idx":2},"children":["1. Generating a KYC Link with step by step instructions"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["To initiate a verification request for a customer, follow these steps:"]},{"$$mdtype":"Tag","name":"Steps","attributes":{"steps":["Go to the Dashboard. Navigate to the Compliance section and select **KYC**.","Click the \"**New KYC Link**\" CTA","Associate the link with a **specific customer ID**","Once submitted, a new **KYC link** is generated."]},"children":[]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"2-monitoring-progress-and-kyc-tracker","__idx":3},"children":["2. Monitoring Progress and \"KYC Tracker\""]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Once a link is active, the dashboard provides an audit-ready view of the customer's journey:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Recent Activity:"]}," View KYC attempts at the customer level under their profile."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["The Tracker:"]}," Every step is timestamped in the KYC Tracker."]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Status Indicators:"]}," Each sub-step (Selfie, Signature, Bank Validation) displays its specific state: Not Started, In Progress, Completed, Failed, or Requires Action."]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"3-handling-reports-and-data","__idx":4},"children":["3. 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