KYC & endorsements

curl -X POST 'https://api.yativo.com/api/v1/customer/kyc/resubmit/c586066b-0f29-468f-b775-15483871a202/faster_payments' \
  -H 'X-Api-Key: YOUR_API_KEY' \
  -H 'X-Api-Secret: YOUR_API_SECRET' \
  -H 'Idempotency-Key: resubmit-fp-001'

{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": { "message": "KYC resubmission for \"faster_payments\" queued." }
}

{
  "status": "success",
  "status_code": 202,
  "message": "Card checkout access has been requested for this business. This request continues automatically once it is approved.",
  "data": {
    "customer_id": "4f0c1e1a-0f29-468f-b775-15483871a202",
    "endorsement_status": "pending",
    "awaiting_business_access": true
  }
}

curl -X POST 'https://api.yativo.com/api/v1/customer/kyc/resubmit/c586066b-0f29-468f-b775-15483871a202/faster_payments' \
  -H 'X-Api-Key: YOUR_API_KEY' \
  -H 'X-Api-Secret: YOUR_API_SECRET' \
  -H 'Idempotency-Key: resubmit-fp-001'

{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": { "message": "KYC resubmission for \"faster_payments\" queued." }
}

{
  "status": "success",
  "status_code": 202,
  "message": "Card checkout access has been requested for this business. This request continues automatically once it is approved.",
  "data": {
    "customer_id": "4f0c1e1a-0f29-468f-b775-15483871a202",
    "endorsement_status": "pending",
    "awaiting_business_access": true
  }
}

For full KYC and KYB submission flows, lookup endpoints, and endorsement tracking, see KYC / KYB verification. This page focuses on resubmitting one endorsement on the main API without re-running every other endorsement on the customer.

Environments

Environment	Base URL
Production API	`https://api.yativo.com/api/v1`
Sandbox API	`https://smtp.yativo.com/api/v1`

Authenticate with your team’s API key pair (X-Api-Key and X-Api-Secret). See Authentication.

Response envelope

Every endpoint returns the standard envelope:

{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": { }
}

{
  "status": "failed",
  "status_code": 422,
  "message": "Request failed.",
  "data": { "error": "..." }
}

Endorsements you can resubmit (main API)

An endorsement is one capability a customer can be verified for. These endorsements support resubmission through POST /customer/kyc/resubmit/{customer_id}/{endorsement} today:

Endorsement	Description
`base`	Base identity verification
`sepa`	Euro-area bank transfers
`spei`	Mexican peso bank transfers
`faster_payments`	Faster local bank transfers
`naira`	Nigerian naira collection account
`virtual_card`	Virtual card issuance eligibility
`asian`	Asia-region verification
`brazil`	Brazilian real transfers
`card_checkout`	Selling by card through Card Checkout. Also accepts business customers. If your account doesn’t have Card Checkout yet, access is requested for you and the customer waits (`202`, `awaiting_business_access: true`) until it’s approved.

Other endorsement names exist on a customer’s profile (for example cobo_pobo, native, eurde, usd_latam, eur_latam) but don’t support resubmission through this endpoint yet. Calling it with one of those returns 422.

Resubmit an endorsement

POST /api/v1/customer/kyc/resubmit/{customerId}/{endorsement}
X-Api-Key: <YOUR_API_KEY>
X-Api-Secret: <YOUR_API_SECRET>
Accept: application/json

Path parameter	Type	Description
`customerId`	string	The customer’s `customer_id`
`endorsement`	string	One of the endorsement values above

This applies to individual customers only, except card_checkout, which accepts business customers too.

curl -X POST 'https://api.yativo.com/api/v1/customer/kyc/resubmit/c586066b-0f29-468f-b775-15483871a202/faster_payments' \
  -H 'X-Api-Key: YOUR_API_KEY' \
  -H 'X-Api-Secret: YOUR_API_SECRET' \
  -H 'Idempotency-Key: resubmit-fp-001'

{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": { "message": "KYC resubmission for \"faster_payments\" queued." }
}

{
  "status": "success",
  "status_code": 202,
  "message": "Card checkout access has been requested for this business. This request continues automatically once it is approved.",
  "data": {
    "customer_id": "4f0c1e1a-0f29-468f-b775-15483871a202",
    "endorsement_status": "pending",
    "awaiting_business_access": true
  }
}

A 200 means the resubmission was accepted and queued. It does not mean verification finished. Watch endorsement.updated or read GET /customer/{customer_id}.

Checking the result

GET /api/v1/customer/{customerId}

{
  "status": "success",
  "status_code": 200,
  "message": "Request successful",
  "data": {
    "customer_id": "cus_9f1c2a3b",
    "endorsement": [
      {
        "service": "Faster payments",
        "status": "submitted",
        "hosted_kyc_url": null,
        "errors": null,
        "metadata": {
          "last_resubmission": {
            "success": true,
            "message": "Submitted for verification.",
            "at": "2026-09-16T18:04:22+00:00"
          }
        },
        "updated": "Sep 16, 2026 18:04"
      }
    ]
  }
}

status moves through not_started → submitted → under_review → approved / declined / rejected.
metadata.last_resubmission reflects the outcome of your most recent resubmission call. success: false there means the resubmission itself couldn’t be processed, not that verification was declined.
service is title-cased (for example "Faster payments"). Compare against the lowercase form you sent (faster_payments).

`last_resubmission.message` when `success` is `false`	Meaning
`Identity document and selfie are required before resubmission.`	Upload both before retrying.
`Verification has not been started for this customer yet.`	Complete initial verification for this endorsement first.
`Submission failed.`	Transient error — safe to retry.

Error responses

Status	Body `data.error`	Cause
`404`	`Customer not found`	No customer with that `customer_id` on your account.
`404`	`Individual KYC submission not found`	Customer exists but has no KYC data on file yet.
`422`	`This endpoint only supports individual customers`	`customerId` belongs to a business customer (not `card_checkout`).
`422`	`Unknown endorsement "...". Valid endorsements: ...`	`endorsement` isn’t recognized.
`422`	`Resubmission for "..." is not supported yet.`	Recognized endorsement that doesn’t support resubmission yet.

Integration example

import axios from 'axios';

const api = axios.create({
  baseURL: 'https://api.yativo.com/api/v1',
  headers: {
    Accept: 'application/json',
    'X-Api-Key': process.env.YATIVO_API_KEY,
    'X-Api-Secret': process.env.YATIVO_API_SECRET,
  },
});

await api.post(`customer/kyc/resubmit/${customerId}/faster_payments`);

const { data } = await api.get(`customer/${customerId}`);
const endorsement = data.data.endorsement.find(
  (e) => e.service.toLowerCase() === 'faster payments',
);
console.log(endorsement.status);

KYC platform resubmit (individual or business)

For any endorsement, including cobo_pobo, native, eurde, and LATAM rails, use the KYC platform:

POST https://kyc.yativo.com/api/kyc/endorsements/{customer_id}/{service}/resubmit

See Resubmit one endorsement for status codes and rate limits.

Notes

Resubmission affects one endorsement only.
Calling this repeatedly for an endorsement that’s already approved won’t downgrade an existing approval purely from this call succeeding.
Resubmission runs on a background queue; expect status changes within seconds to a couple of minutes.

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Platform guides

KYC & endorsements

Environments

Response envelope

Endorsements you can resubmit (main API)

Resubmit an endorsement

Checking the result

Error responses

Integration example

KYC platform resubmit (individual or business)

Notes

​Environments

​Response envelope

​Endorsements you can resubmit (main API)

​Resubmit an endorsement

​Checking the result

​Error responses

​Integration example

​KYC platform resubmit (individual or business)

​Notes

Environments

Response envelope

Endorsements you can resubmit (main API)

Resubmit an endorsement

Checking the result

Error responses

Integration example

KYC platform resubmit (individual or business)

Notes