Due diligence checks

Last updated: June 12, 2024

During the onboarding process on the Full account type, your sub-entities go through several statuses and undergo full due diligence checks. This includes:

Card scheme screening (CSS)
Politically exposed persons (PEP) and sanctions
Know your customer (KYC)
Know your business (KYB)

We'll notify you of any sub-entity status changes via the relevant webhook notifications. The following diagram shows the possible sub-entity statuses and webhooks you may receive during the onboarding process:

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The requirements_due API field corresponds to the Action required status in the Dashboard.

Before due diligence checks can start, sub-entities must contain all the required fields. If any of these checks do not pass the review, we'll notify you via the status_changed and full_dd_failed webhooks. You can then take action to correct this and continue the review.

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We strongly suggest that you subscribe to the status_changed and full_dd_failed webhooks so that you are notified when action is required.

If action is required to continue sub-entity onboarding, this will be flagged with a "status": "requirements_due" field:


1{
2  "id": "evt_htielsmgcwgejgqaunl4yb2pou",
3  "type": "status_changed",
4  "version": "1.0.0",
5  "created_on": "2020-08-20T15:24:13.8431084Z",
6  "data": {
7    "sub_entity_id": "ent_vjmdzvijizs7o26kiuiakywvyi",
8    "status": "requirements_due",
9    "reference": "tmvhWvvZfFSkJy4",
10    "legal_name": "Acme Corporation Inc."
11  },
12  "_links": {
13    "self": {
14      "href": "https://api.checkout.com/workflows/events/evt_htielsmgcwgejgqaunl4yb2pou"
15    }
16  }
17}

You can see the reason for this status:

in the Dashboard
by retrieving sub-entity details via the Accounts API

To see the details in the Dashboard:

Sign in to the Dashboard.
Go to Payments > Processing > Sub-entities.
Use the search bar to search the sub-entity reference or trading name. Alternatively, use the search filter to filter all sub-entities with the Action required status.

The Sub-entity Details page displays. The banner at the start of the page highlights the reasons for the Action required status and the actions you need to take.

To see the details via the Accounts API:

Retrieve the sub-entity details using the
get
/accounts/entities/{entityId} endpoint.
In the response, check the requirements_due array for impacted fields and corresponding reasons.


1{
2  "id": "ent_sea5kqczeqvnznx5lqsbbsnlq4",
3  "reference": "HEjzSLlfjLuvx5l",
4  "status": "requirements_due",
5  "instruments": [],
6  "requirements_due": [
7    {
8      "field": "company.document",
9      "reason": "required"
10    },
11    {
12      "field": "company.financial_details.documents.bank_statement",
13      "reason": "required"
14    },
15    {
16      "field": "company.representatives[0].identification.document",
17      "reason": "required"
18    }
19  ],
20  "contact_details": {
21    "phone": {
22      "number": "1234 567890"
23    }
24  },
25  "profile": {
26    "default_holding_currency": "GBP",
27    "urls": ["https://www.exampleurl.com"],
28    "mccs": ["5551"]
29  },
30  "company": {
31    "business_registration_number": "12345678",
32    "legal_name": "Acme Corporation LTD",
33    "trading_name": "Acme Corporation",
34    "principal_address": {
35      "address_line1": "111 Example Road",
36      "city": "London",
37      "zip": "SW1A 1AA",
38      "country": "GB"
39    },
40    "registered_address": {
41      "address_line1": "111 Example Road",
42      "city": "London",
43      "zip": "SW1A 1AA",
44      "country": "GB"
45    },
46    "representatives": [
47      {
48        "id": "rep_3ipq26zsxt3n24rh2vojjkfez4",
49        "address": {
50          "address_line1": "111 Example Road",
51          "city": "London",
52          "zip": "SW1A 1AA",
53          "country": "GB"
54        },
55        "phone": {
56          "number": "1234 567890"
57        },
58        "first_name": "Jane",
59        "last_name": "Smith",
60        "date_of_birth": {
61          "day": 5,
62          "month": 6,
63          "year": 1995
64        },
65        "place_of_birth": {
66          "country": "GB"
67        },
68        "identification": {
69          "document": {
70            "type": "passport",
71            "front": "file_a2waebevmihts7s74bie3w3nf4"
72          }
73        }
74      }
75    ]
76  },
77  "capabilities": {
78    "payments": {
79      "enabled": false,
80      "available": true
81    },
82    "payouts": {
83      "enabled": false,
84      "available": true
85    },
86    "issuing": {
87      "enabled": false,
88      "available": false
89    }
90  },
91  "_links": {
92    "self": {
93      "href": "https://api.checkout.com/accounts/entities/ent_sea5kqczeqvnznx5lqsbbsnlq4"
94    },
95    "schema": {
96      "href": "https://api.checkout.com/accounts/entities/_schema?resource_type=Entity&type=Company&schema_version=&country=GB"
97    }
98  }
99}


1{
2  "id": "ent_oewtd5r2sdf2pyl5cggmhkpqnu",
3  "reference": "VKPA5RteMGLlV5i",
4  "status": "requirements_due",
5  "instruments": [],
6  "requirements_due": [
7    {
8      "field": "individual.identification.document",
9      "reason": "document_expired"
10    }
11  ],
12  "contact_details": {
13    "phone": {
14      "number": "1234 567890"
15    }
16  },
17  "profile": {
18    "default_holding_currency": "GBP",
19    "urls": ["https://www.exampleurl.com"],
20    "mccs": ["5551"]
21  },
22  "individual": {
23    "trading_name": "Toto’s Treats",
24    "legal_name": "Toto’s Treats LTD",
25    "national_tax_id": "1234567",
26    "registered_address": {
27      "address_line1": "111 Example Road",
28      "city": "London",
29      "zip": "SW1A 1AA",
30      "country": "GB"
31    },
32    "first_name": "Jane",
33    "middle_name": "Samantha",
34    "last_name": "Smith",
35    "date_of_birth": {
36      "day": 5,
37      "month": 6,
38      "year": 1995
39    },
40    "identification": {
41      "document": {
42        "type": "passport",
43        "front": "file_a2waebevmihts7s74bie3w3nf4"
44      }
45    }
46  },
47  "capabilities": {
48    "payments": {
49      "enabled": false,
50      "available": true
51    },
52    "payouts": {
53      "enabled": false,
54      "available": true
55    },
56    "issuing": {
57      "enabled": false,
58      "available": false
59    }
60  },
61  "_links": {
62    "self": {
63      "href": "https://api.checkout.com/accounts/entities/ent_oewtd5r2sdf2pyl5cggmhkpqnu"
64    },
65    "schema": {
66      "href": "https://api.checkout.com/accounts/entities/_schema?resource_type=Entity&type=Individual&schema_version=&country=GB"
67    }
68  }
69}


1{
2  "id": "ent_sea5kqczeqvnznx5lqsbbsnlq4",
3  "reference": "HEjzSLlfjLuvx5l",
4  "status": "rejected",
5  "instruments": [],
6  "requirements_due": [],
7  "contact_details": {
8    "phone": {
9      "number": "1234 567890"
10    }
11  },
12  "profile": {
13    "default_holding_currency": "GBP",
14    "urls": ["https://www.exampleurl.com"],
15    "mccs": ["5551"]
16  },
17  "company": {
18    "business_registration_number": "12345678",
19    "legal_name": "Acme Corporation",
20    "trading_name": "Acme Corporation LTD",
21    "principal_address": {
22      "address_line1": "111 Example Road",
23      "city": "London",
24      "zip": "SW1A 1AA",
25      "country": "GB"
26    },
27    "registered_address": {
28      "address_line1": "111 Example Road",
29      "city": "London",
30      "zip": "SW1A 1AA",
31      "country": "GB"
32    },
33    "representatives": [
34      {
35        "id": "rep_3ipq26zsxt3n24rh2vojjkfez4",
36        "address": {
37          "address_line1": "111 Example Road",
38          "city": "London",
39          "zip": "SW1A 1AA",
40          "country": "GB"
41        },
42        "phone": {
43          "number": "1234 567890"
44        },
45        "first_name": "Jane",
46        "last_name": "Smith",
47        "date_of_birth": {
48          "day": 5,
49          "month": 6,
50          "year": 1995
51        },
52        "place_of_birth": {
53          "country": "GB"
54        },
55        "identification": {
56          "document": {
57            "type": "passport",
58            "front": "file_a2waebevmihts7s74bie3w3nf4"
59          }
60        }
61      }
62    ]
63  },
64  "capabilities": {
65    "payments": {
66      "enabled": false,
67      "available": true
68    },
69    "payouts": {
70      "enabled": false,
71      "available": true
72    },
73    "issuing": {
74      "enabled": false,
75      "available": false
76    }
77  },
78  "_links": {
79    "self": {
80      "href": "https://api.checkout.com/accounts/entities/ent_sea5kqczeqvnznx5lqsbbsnlq4"
81    },
82    "schema": {
83      "href": "https://api.checkout.com/accounts/entities/_schema?resource_type=Entity&type=Company&schema_version=&country=GB"
84    }
85  }
86}

The following table lists the possible reasons for the requirements_due status, and describes the action you will need to take to continue the review.

Reason	Action required
`required`	The field is required to trigger due diligence for the first time. Input the required data and resubmit.
`document_expired`	The document provided is expired. Upload a new identification document for the individual or representative.
`document_mismatch_submitted_address`	The address you have submitted for the representative is incorrect. Submit the correct address.
`document_mismatch_submitted_date_of_birth`	The date of birth you have submitted for the representative is incorrect. Submit the correct date of birth.
`document_mismatch_submitted_individual_name`	The first and/or last name for the representative is incorrect. Submit the correct first and last name.
`document_submitted_mismatch_ssn`	The social security number (SSN) you have submitted for the representative is incorrect. Submit the correct SSN.
`document_type_invalid`	The uploaded document is not from the supported list of documents. Upload documents that are from the list of document types shown.
`document_unreadable`	The uploaded document is not readable. Upload documents that are legible, colored, and have all four corners showing.
`document_unverifiable`	The uploaded document cannot be verified. For further help, contact [email protected].
`invalid_company_document`	The Certificate of Incorporation (COI) or Articles (AOA)/Memorandum of Association (MOA) document does not match the company details provided. Upload a valid company document.
`invalid_company_name`	The legal company name you have submitted does not match the company verification document. Submit a legal company name that matches the uploaded company verification document.
`ownership_data_missing`	Your submission is missing company Ultimate Beneficial Owners (UBOs). Submit details of all registered UBOs.
`unidentified_details`	The individual details, such as address or date of birth, couldn't be verified against our provider databases. Upload an identification document for the individual or representative.
`verification_failed`	The company details, such as legal name or registered address, couldn't be verified against our provider databases. Upload a new COI.

Due diligence checks

Resolve `requirements_due` status

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Response examples

Resolve requirements_due status

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Response examples

Resolve `requirements_due` status