---
title: "Onboarding KYB Workflow"
source_url: https://docs.rapyd.net/en/onboarding-kyb-workflow.html
lang: en
---

# Onboarding KYB Workflow

## Prerequisite Steps

> **Note:**
>
> Before starting this workflow, you must [create offering(s) and pricing template(s)](https://docs.rapyd.net/en/creating-an-offering.md "Creating an Offering") via the Partner Portal.

- Step 1: [List Offerings](https://docs.rapyd.net/en/list-offerings.md "List Offerings") - Retrieve the Offerings and select the offering that will be used in the next step when the organization is created.
- Step 2: [Create Organization](https://docs.rapyd.net/en/create-organization.md "Create Organization") - Create the merchant's organization that also includes their `merchant_account_id` - The ID of the merchant's account (String starting with **org_**).

> **Note:**
>
> After the organization is created, the merchant receives an invitation email from Rapyd to register to the Rapyd Client Portal. The merchant has the option to accept the invitation and create an account in the Rapyd Client Portal. See also:
>
> - [Create Shareable Sign-up Link](https://docs.rapyd.net/en/create-shareable-sign-up-link.md "Create Shareable Sign-up Link") and [List Sign-Up Links](https://docs.rapyd.net/en/list-sign-up-links.md "List Sign-Up Links")
> - [Create Invitation](https://docs.rapyd.net/en/create-invitation.md "Create Invitation") and [List Invitations](https://docs.rapyd.net/en/list-invitations.md "List Invitations")

## KYB Steps

> **Note:**
>
> - There is an additional header parameter for all the methods after step 2 in this section: `merchant_account_id` . See also [Create Organization](https://docs.rapyd.net/en/create-organization.md "Create Organization").
> - The supported Latin American countries include additional requirements. See also [Guidelines For Onboarding Applications in Latin America](https://docs.rapyd.net/en/guidelines-for-onboarding-applications-in-latin-america.md "Guidelines For Onboarding Applications in Latin America").

- Step 1: [Get Application Template](https://docs.rapyd.net/en/get-application-template.md "Get Application Template") - Retrieve the template for the application in order to view its fields and valid values.
- Step 2: Get information to create the application:

  - [List Industries](https://docs.rapyd.net/en/list-industries.md "List Industries") - List the industries in order to know the MCC code of the proprietor.
- Step 3: Create an application for relevant type of proprietor. One of the following:

  - [Create Application - Sole Prop. Card Present](https://docs.rapyd.net/en/create-application---sole-prop--card-present.md "Create Application - Sole Prop. Card Present")
  - [Create Application - Sole Prop. Card Not Present](https://docs.rapyd.net/en/create-application---sole-prop--card-not-present.md "Create Application - Sole Prop. Card Not Present")
  - [Create Application - Non-Sole Prop. Card Present](https://docs.rapyd.net/en/create-application---non-sole-prop--card-present.md "Create Application - Non-Sole Prop. Card Present")
  - [Create Application - Non-Sole Prop. Card Not Present](https://docs.rapyd.net/en/create-application---non-sole-prop--card-not-present.md "Create Application - Non-Sole Prop. Card Not Present")
- Step 4: [Update Application](https://docs.rapyd.net/en/update-application.md "Update Application") - Update the application with fields that have been populated.
- Step 5: [Upload Document to Application](https://docs.rapyd.net/en/upload-document-to-application.md "Upload Document to Application") - Upload document files for each field that requires a document.
- Step 6: [Submit Application](https://docs.rapyd.net/en/submit-application.md "Submit Application") - Submit the application for review and final status.
- Step 7: [Retrieve Application](https://docs.rapyd.net/en/retrieve-application-600676.md "Retrieve Application") - Retrieve the application to view its current application status and its field values. You can also [retrieve an application via the wallet ID](https://docs.rapyd.net/en/retrieve-application-by-wallet-id-600677.md "Retrieve Application by Wallet ID") of the application.

## Organization Status Updates

> **Note:**
>
> The header parameter `merchant_account_id` is not required for any organization method.

- [Get Organization](https://docs.rapyd.net/en/get-organization.md "Get Organization") - Check the details of the organization (merchant) including its current KYB status. You also have the option to view the details of all your organization via [List Organizations](https://docs.rapyd.net/en/list-organizations.md "List Organizations").

## Optional - Add Bank Accounts

> **Note:**
>
> You can add settlement bank accounts to a merchant during the KYB process or after it.

- Step 1: [Upload Bank Statement Verification File](https://docs.rapyd.net/en/upload-bank-statement-verification-file.md "Upload Bank Statement Verification File") - Upload a bank statement verification file in order to begin the process of adding a settlement bank account. After this method is completed successfully, you can proceed to [add a settlement bank account](https://docs.rapyd.net/en/add-settlement-bank-account.md "Add Settlement Bank Account").
- Step 2: [Add Settlement Bank Account](https://docs.rapyd.net/en/add-settlement-bank-account.md "Add Settlement Bank Account") - Add a settlement bank account to a merchant during or after the onboarding process. Bank accounts are linked to the merchant wallet.
- Auxiliary request: [Update Settlement Bank Account](https://docs.rapyd.net/en/update-settlement-bank-account.md "Update Settlement Bank Account") - Update settlement bank account details.
- Auxiliary request: [List Settlement Bank Accounts](https://docs.rapyd.net/en/list-settlement-bank-accounts.md "List Settlement Bank Accounts") - List the settlement bank accounts of a merchant wallet.
- Auxiliary request: [Delete Settlement Bank Account](https://docs.rapyd.net/en/delete-settlement-bank-account.md "Delete Settlement Bank Account") - Delete a settlement bank account from a merchant wallet.

## Optional - Add Sub-Merchants

Create sub-merchant(s) application(s) for an existing merchant application.

- [Create Application - Sub-Merchant Card Present](https://docs.rapyd.net/en/create-application---sub-merchant-card-present.md "Create Application - Sub-Merchant Card Present") or [Create Application - Sub-Merchant Card Not Present](https://docs.rapyd.net/en/create-application---sub-merchant-card-not-present.md "Create Application - Sub-Merchant Card Not Present")- Create the sub-merchant application and then complete its steps, which are identical to those of its parent merchant application.