Customers and KYC - Bumxpress Business

Customers represent the people or businesses that send or receive money through your integration. Create customers before payment flows so each quote, payin, payout, transfer, and webhook can be reconciled back to your internal records. Use external_ref to store your own customer identifier.

Customer types

Type	Use case	Required identity fields
`individual`	A person sending or receiving money.	`first_name`, `last_name`
`retail`	A person identified mainly by document number.	`first_name`, `last_name`, `id_number`
`business`	A business customer.	`business_name`

Recommended customer fields

Provider requirements vary by country, operator, and corridor. For payout and transfer flows, collect the fullest profile you can:

Name or business name
Phone number in E.164 format
Email address
Country and nationality codes
Date of birth
Address and city
Occupation and source of funds

For Yellow Card-backed payouts, make sure the customer profile includes address_line1, city, occupation, and source_of_funds.

KYC documents

Submit KYC documents through POST /customers/{customer_id}/kyc. Document files must be hosted at public HTTPS URLs that Bumxpress can fetch. Supported document examples include national_id and passport. At least one file URL is required per document, such as front_file_url, back_file_url, or selfie_file_url.

Status tracking

Read KYC state with GET /customers/{customer_id}/kyc. Store the returned kyc_status and document IDs in your system so support and compliance teams can reconcile provider requirements.

Last modified on July 8, 2026