Upgrade Customer KYC

When you have newly added a customer, the recommended next step is to verify the customer's details. Our banking and service providers require this step for account creation and card issuance.

To upgrade the KYC tier of a customer, you need to pass the information required for the tier you want to upgrade to alongside the customer_id.

Upgrading to Tier 1

To upgrade a customer from Tier 0 to Tier 1, call the endpoint below and pass the information as shown below:

https://api.blochq.io/v1/customers/upgrade/t1/{customer_id}

curl --request PUT \
     --url https://api.blochq.io/v1/customers/upgrade/t1/ \
     --header 'accept: application/json' \
     --header 'authorization: Bearer sk_live_64520e0201478f5cd412865f64520e0201478f5cd4128660' \
     --header 'content-type: application/json' \
     --data '
{
  "place_of_birth": "Port Harcourt",
  "dob": "1992-03-30",
  "gender": "Male",
  "country": "Nigeria",
  "address": {
    "street": "10c pinnock estate jakande",
    "city": "Lekki",
    "state": "lagos",
    "country": "Nigeria",
    "postal_code": "1000101"
  },
  "image": "base64/image"
}
'

📘
Helpful Tip:
If you already have all of the required information from your customer, you can provide it and automatically upgrade them to Tier 1 when creating your customer.

Upgrading to Tier 2

To upgrade a customer from Tier 1 to Tier 2, call the endpoint below and pass the information as shown below. Please note the image parameter passed below is a Base64 image or image URL of the customer's ID document.

https://api.blochq.io/v1/customers/upgrade/t2/{customer_id}

curl --request PUT \
     --url https://api.blochq.io/v1/customers/upgrade/t2/ \
     --header 'accept: application/json' \
     --header 'authorization: Bearer sk_live_64520e0201478f5cd412865f64520e0201478f5cd4128660' \
     --header 'content-type: application/json' \
     --data '
{
  "means_of_id": "Drivers License",
  "image": "data:image/jpeg;base64"
}
'

🚧
Important to Note:
We have a defined list of values for means_of_id. If you pass a value that is not one of these values, you'll get an error and your KYC upgrade will fail.
To get a list of all supported means of identification, call the endpoint URL below:
https://api.blochq.io/v1/customers/means-of-id

Upgrading to Tier 3

To upgrade a customer from Tier 2 to Tier 3, call the endpoint below and pass the information as shown below. Please note the image parameter passed below is a Base64 image or image URL of the customer's face taken at the time of upgrade.

https://api.blochq.io/v1/customers/upgrade/t3/{customer_id}

curl --request PUT \
     --url https://api.blochq.io/v1/customers/upgrade/t3/ \
     --header 'accept: application/json' \
     --header 'authorization: Bearer sk_live_64520e0201478f5cd412865f64520e0201478f5cd4128660' \
     --header 'content-type: application/json' \
     --data '
{
  "image": "base64/image"
}
'

Things to Note

When passing an image attribute, make sure the value is either a valid image URL or a base64 string of the image.
When passing the value for means_of_id, make sure they are consistent with the list available in the Means of Identification endpoint.
When passing your image for the passport photo and liveliness check, make sure that the face of the customer is clear and recognizable in the image. We use face verification software to verify the validity of your customer's details. If we cannot process the image, you will get a failed response.
The image submitted for the liveliness check should be a recent photo of the customer. We use the picture's metadata and photo verification systems to ascertain the validity of the picture.