Capturing SSN/SIN

Overview

SSN/SIN (tax ID) capture is optional during individual customer KYC.

Customers who skip SSN/SIN capture receive lower transaction limits (see Limits and Minimums). After providing their SSN/SIN, customers become eligible for higher limits.

Create an identity verification

For a customer in the verified state, create a tax_id_and_selfie identity verification via POST /api/identity_verifications:

{
  "type": "kyc",
  "method": "tax_id_and_selfie",
  "customer_guid": "<insert customer GUID>"
}

{
  "created_at": "<created_at timestamp>",
  "updated_at": "<updated_at timestamp>",
  "type": "kyc",
  "guid": "<identity verification GUID>",
  "customer_guid": "<provided customer GUID>",
  "method": "tax_id_and_selfie",
  "state": "storing",
  "outcome": null,
  "failure_codes": [],
  "country_code": "US",
  "compliance_decisions": [],
  "verification_checks": []
}

Poll GET /api/identity_verifications/{identity_verification_guid} until the verification reaches state: "waiting":

{
  "created_at": "<created_at timestamp>",
  "updated_at": "<updated_at timestamp>",
  "type": "kyc",
  "guid": "<identity verification GUID>",
  "customer_guid": "<provided customer GUID>",
  "method": "tax_id_and_selfie",
  "state": "waiting",
  "outcome": null,
  "failure_codes": [],
  "country_code": "US",
  "persona_inquiry_id": "inq_XXXXXXXXXXXXXXXXXXXXXXXXXXXXX",
  "persona_state": "waiting",
  "compliance_checks": [],
  "compliance_decisions": [],
  "verification_checks": []
}

Pair the persona_inquiry_id with the Persona URL to create a link for the customer:

https://withpersona.com/verify?inquiry-id=<persona_inquiry_id>

Share this URL directly with the customer. The customer completes SSN/SIN capture and a selfie verification.

ℹ️

Web SDK not supported

The Cybrid Web SDK does not support tax_id_and_selfie identity verifications. Use the Persona URL approach instead.

Determine eligibility for higher limits

After the customer completes the verification:

• outcome: "passed" — the customer is now eligible for higher transaction limits.
• outcome: "failed" — the customer retains lower transaction limits only.