Sumsub Reusable KYC

If your users have already completed KYC verification through Sumsub with your platform, you can import their verification data to Paytrie. This eliminates the need for users to complete identity verification again.

Overview

Sumsub's Reusable KYC feature allows identity verification data to be shared between platforms. As a "Donor" platform, you generate a share token for a user's verification data, which Paytrie then imports as the "Recipient" platform.

Prerequisites

• Your platform must be integrated with Sumsub
• The user must have completed KYC verification on your platform
• You must have API access to generate Sumsub share tokens
• The user must already exist in Paytrie under your API key — create them first using POST /v2/users with the same API key you'll use for the import
• The Sumsub applicant must be verified in a level that meets Paytrie's verification level requirements

Verification level requirements

Sumsub only allows a share token to be reused when the applicant's level on your side covers every step of the recipient (Paytrie) level, so the level you verify applicants in must include both of these steps:

1. Identity document — capture method File upload, accepting any of: driver's license, ID card, residence permit, passport
2. Selfie — selfie type Advanced liveness check

The applicant must have completed and passed both steps before you generate the share token. Applicants who only have profile data (name, date of birth, address) and are still waiting to upload a document or selfie will be rejected on import.

This is what the level looks like in the Sumsub dashboard:

See Sumsub's guide on configuring verification levels for how to set this up in your dashboard.

Integration flow

Quick start

1. Create the user in Paytrie

Create the Paytrie user first:

curl -X POST "https://api.paytrie.com/v2/users" \
  -H "x-api-key: your-api-key" \
  -H "Content-Type: application/json" \
  -d '{
    "email": "john.doe@example.com",
    "firstName": "John",
    "lastName": "Doe",
    "dob": "1990-01-15",
    "phone": "4165551234",
    "addressLine1": "123 Main Street",
    "addressLine2": "Suite 100",
    "city": "Toronto",
    "province": "on",
    "postalCode": "M5V1A1",
    "occupation": "Software Engineer",
    "pep": false,
    "tpd": false
  }'

2. Generate a share token (Sumsub API)

Use the Sumsub API to generate a share token for a specific applicant that is verified in a Sumsub level that meets the requirements above:

curl -X POST "https://api.sumsub.com/resources/accessTokens/shareToken" \
  -H "X-App-Token: your-sumsub-token" \
  -H "X-App-Access-Sig: your-signature" \
  -H "X-App-Access-Ts: timestamp" \
  -d '{
    "applicantId": <applicant Id value>,
    "forClientId": <partner client id>
  }'

See the Sumsub documentation for complete details.

3. Import to Paytrie

Submit the Sumsub share token to import the user's verification, using the userId returned when you created the user in step 1.

curl -X PUT "https://api.paytrie.com/v2/users/{userId}/kyc" \
  -H "x-api-key: your-api-key" \
  -H "Authorization: Bearer eyJhbGciOiJI...." \
  -H "Content-Type: application/json" \
  -d '{
    "type": "sumsub",
    "payload": {
      "shareToken": "_act-sb-jwt-eyJHGCi........tN0."
    }
  }'

Common errors

Additional resources