Capturing SSN/SIN

Overview

SSN/SIN (tax ID) capture is optional during individual customer KYC. Cybrid collects Social Security Numbers (SSNs) for US customers and Social Insurance Numbers (SINs) for Canadian customers to satisfy tax reporting requirements.

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

Link expiration

The Persona link generated for the tax_id_and_selfie flow expires 24 hours after creation. Share it promptly, or create a new identity verification if the link has expired before the customer completes the flow.

ℹ️

Web SDK not supported

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

Require SSN/SIN during id_and_selfie

To make SSN/SIN collection mandatory as part of the id_and_selfie identity verification method, set require_tax_id to true when creating the identity verification:

{
  "type": "kyc",
  "method": "id_and_selfie",
  "customer_guid": "<insert customer GUID>",
  "require_tax_id": true
}

require_tax_id defaults to false. When set to true, the customer must provide their SSN (US) or SIN (Canada) for the verification to complete. This parameter has no effect outside the US and Canada.

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.