Individual Receivers

Create individual receivers with standard or enhanced KYC

Individual receivers are natural persons who can receive payouts. BlindPay supports two levels of KYC verification for individuals:

• Standard KYC: Basic verification with standard transaction limits
• Enhanced KYC: Advanced verification with higher transaction limits and additional compliance requirements

Create Individual with Standard KYC

Create an individual receiver with standard KYC verification.

const response = await blindpay.receivers.createIndividualWithStandardKYC({
  country: "US",
  email: "[e-mail]",
  first_name: "John",
  last_name: "Doe",
  date_of_birth: "1990-05-15",
  tax_id: "123-45-6789",
  phone_number: "[phone]",
  address_line_1: "123 Main St",
  address_line_2: "Apt 4B",
  city: "New York",
  state_province_region: "NY",
  postal_code: "10001",
  id_doc_type: "DRIVERS",
  id_doc_country: "US",
  id_doc_front_file: "file_abc123",
  id_doc_back_file: "file_def456",
  proof_of_address_doc_type: "UTILITY_BILL",
  proof_of_address_doc_file: "file_ghi789",
  account_purpose: "personal_or_living_expenses",
  ip_address: "192.168.1.1"
});

if (response.error) {
  console.error(response.error.message);
} else {
  console.log("Individual receiver created:", response.data.id);
}

Required Parameters

country · string · required

Two-letter ISO country code of the receiver’s residence

email · string · required

Receiver’s email address

Optional Parameters

While technically optional in the API, many of these fields are required for successful KYC verification.

first_name · string

Receiver’s legal first name

last_name · string

Receiver’s legal last name

date_of_birth · string

Date of birth in YYYY-MM-DD format

tax_id · string

Tax identification number (SSN for US, TIN, etc.)

phone_number · string

Phone number in international format (e.g., [phone])

address_line_1 · string

First line of street address

address_line_2 · string

Second line of street address (apartment, suite, etc.)

city · string

City name

state_province_region · string

State, province, or region (use two-letter state codes for US)

postal_code · string

Postal or ZIP code

id_doc_type · string

Type of identification document:

• "PASSPORT" - Passport
• "ID_CARD" - National ID card
• "DRIVERS" - Driver’s license

id_doc_country · string

Two-letter ISO country code of the document-issuing country

id_doc_front_file · string

File ID or URL of the front of the ID document

id_doc_back_file · string

File ID or URL of the back of the ID document (required for ID cards and driver’s licenses)

proof_of_address_doc_type · string

Type of proof of address document:

• "UTILITY_BILL" - Utility bill
• "BANK_STATEMENT" - Bank statement
• "RENTAL_AGREEMENT" - Lease or rental agreement
• "TAX_DOCUMENT" - Tax document
• "GOVERNMENT_CORRESPONDENCE" - Official government letter

proof_of_address_doc_file · string

File ID or URL of the proof of address document (must be dated within last 3 months)

selfie_file · string

File ID or URL of a selfie photo for identity verification

account_purpose · string

Purpose of the account:

• "charitable_donations" - Charitable donations
• "ecommerce_retail_payments" - E-commerce/retail payments
• "investment_purposes" - Investment purposes
• "business_expenses" - Business expenses
• "payments_to_friends_or_family_abroad" - Payments to friends/family abroad
• "personal_or_living_expenses" - Personal or living expenses
• "protect_wealth" - Wealth protection
• "purchase_goods_and_services" - Purchase goods and services
• "receive_payments_for_goods_and_services" - Receive payments for goods/services
• "tax_optimization" - Tax optimization
• "third_party_money_transmission" - Third-party money transmission
• "payroll" - Payroll
• "treasury_management" - Treasury management
• "other" - Other purpose

source_of_funds_doc_type · string

Type of source of funds:

• "business_income" - Business income
• "gambling_proceeds" - Gambling proceeds
• "gifts" - Gifts
• "government_benefits" - Government benefits
• "inheritance" - Inheritance
• "investment_loans" - Investment/loans
• "pension_retirement" - Pension/retirement
• "salary" - Salary
• "sale_of_assets_real_estate" - Sale of assets/real estate
• "savings" - Savings
• "esops" - ESOPs
• "investment_proceeds" - Investment proceeds
• "someone_else_funds" - Someone else’s funds

source_of_funds_doc_file · string

File ID or URL of supporting documentation for source of funds

source_of_wealth · string

Source of accumulated wealth:

• "business_dividends_or_profits" - Business dividends or profits
• "investments" - Investments
• "asset_sales" - Asset sales
• "client_investor_contributions" - Client/investor contributions
• "gambling" - Gambling
• "charitable_contributions" - Charitable contributions
• "inheritance" - Inheritance
• "affiliate_or_royalty_income" - Affiliate or royalty income

external_id · string

Your internal identifier for this receiver

image_url · string

URL to a profile image for this receiver

ip_address · string

IP address from which the receiver is signing up

tos_id · string

ID of the terms of service accepted by the receiver

Response

id · string · required

Unique identifier for the created individual receiver

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Create Individual with Enhanced KYC

Create an individual receiver with enhanced KYC verification for higher transaction limits.

const response = await blindpay.receivers.createIndividualWithEnhancedKYC({
  country: "US",
  email: "[e-mail]",
  first_name: "Jane",
  last_name: "Smith",
  date_of_birth: "1985-08-22",
  tax_id: "987-65-4321",
  phone_number: "[phone]",
  address_line_1: "456 Oak Avenue",
  city: "Los Angeles",
  state_province_region: "CA",
  postal_code: "90001",
  id_doc_type: "PASSPORT",
  id_doc_country: "US",
  id_doc_front_file: "file_xyz123",
  proof_of_address_doc_type: "BANK_STATEMENT",
  proof_of_address_doc_file: "file_uvw456",
  purpose_of_transactions: "business_transactions",
  source_of_funds_doc_type: "salary",
  source_of_funds_doc_file: "file_rst789",
  account_purpose: "receive_payments_for_goods_and_services"
});

if (response.error) {
  console.error(response.error.message);
} else {
  console.log("Individual receiver created:", response.data.id);
}

Required Parameters

country · string · required

Two-letter ISO country code of the receiver’s residence

email · string · required

Receiver’s email address

Optional Parameters

Enhanced KYC accepts the same parameters as Standard KYC, plus additional fields:

purpose_of_transactions · string

Primary purpose of transactions (enhanced KYC only):

• "business_transactions" - Business transactions
• "charitable_donations" - Charitable donations
• "investment_purposes" - Investment purposes
• "payments_to_friends_or_family_abroad" - Payments to friends/family abroad
• "personal_or_living_expenses" - Personal or living expenses
• "protect_wealth" - Protect wealth
• "purchase_good_and_services" - Purchase goods and services
• "receive_payment_for_freelancing" - Receive payment for freelancing
• "receive_salary" - Receive salary
• "other" - Other purpose (requires explanation)

purpose_of_transactions_explanation · string

Required if purpose_of_transactions is "other". Explain the purpose of transactions.

All other parameters from Standard KYC (first_name, last_name, date_of_birth, tax_id, phone_number, address fields, ID documents, proof of address, etc.) are also supported.

Response

id · string · required

Unique identifier for the created individual receiver

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KYC Status and Verification

After creating an individual receiver, the KYC verification process begins automatically. You can check the verification status by retrieving the receiver:

const response = await blindpay.receivers.get("rcv_123abc");

if (response.data) {
  console.log("KYC Status:", response.data.kyc_status);
  console.log("KYC Warnings:", response.data.kyc_warnings);
}

The kyc_status field indicates the current verification state, and kyc_warnings contains any issues that need to be resolved.

Document Requirements

Standard KYC Documents

1. Government-issued ID: Front and back (if applicable) of passport, national ID card, or driver’s license
2. Proof of Address: Recent utility bill, bank statement, rental agreement, tax document, or government correspondence (must be dated within 3 months)
3. Selfie: Optional but recommended for faster verification

Enhanced KYC Additional Documents

In addition to Standard KYC documents:

1. Source of Funds Documentation: Pay stubs, investment statements, business income records, etc.
2. Purpose of Transactions: Detailed explanation of how the account will be used

Transaction Limits

• Standard KYC: Lower transaction limits suitable for personal use
• Enhanced KYC: Higher transaction limits for business use or high-value transactions

To increase limits beyond the default, use the requestLimitIncrease method with supporting documentation.