Overview

An onboarded client is an organization or individual on your platform who has been given a limited access bank account as part of Embedded Payments. For example, they might be a seller in your online marketplace. Before you and your client can benefit from an Embedded Payments account, they must complete the onboarding process. 

To onboard a client, you need to collect from them:

• Basic personal and business information. This includes details of an individual who can represent the client as a party.
• A form of identification, such as an IRS number.
• Answers to due diligence questions served by the API.

To make life easier for your clients, you can stagger the process, taking the most basic information required first, and updating over time. Once all of the information required is ready, you can send the final request for client verification checks to begin. 

Overview of endpoints in the onboarding process

Take a look at the requests that you need to use to construct an onboarding experience for your client:

1. POST /do/v1/clients - send basic client information, create related parties to represent the client's business, controllers, and beneficial owners. In the response, you receive a clientId and partyIds. In addition, the response may contain outstanding onboarding requirements:
   • Outstanding party details
   • Due diligence question IDs.
   • Required documents.
   • Required attestations.
2. GET /do/v1/questions - to retrieve additional client onboarding questions that your client must answer. The IDs for these questions are returned in the POST /do/v1/clients response.
3. POST /do/v1/parties/{id} - to send more detailed information required for due diligence, including answers to outstanding questions.
4. GET /do/v1/document-requests/{id} to check for any documentation that you may need to collect from your client. 
5. GET /do/v1/documents/{id}/file - get documents that must be read and attested by your client.
6. POST /do/v1/clients/{id}/verifications - send an instruction to J.P. Morgan to perform the due diligence and verification checks to complete onboarding.
7. GET /do/v1/clients/{id} - to check the onboarding status of your client.

Required onboarding information

Required onboarding information

Required Data	Field	Notes
Legal Name	organizationName
Doing Business As	dbaName	Required if operating with a DBA
Organization Type	organizationType
Business Description	organizationDescription
Address	addresses.addressType addresses.addressLines addresses.city addresses.state addresses.postalCode addresses.country
Country of Formation / Incorporation	countryOfFormation
Year of Formation	yearOfFormation
Industry Category	industryCategory	Must provide category and type or NAICS code
Industry Type	industryType	Must provide category and type or NAICS code
Industry NAICS Code	naics	Must provide category and type or NAICS code
Tax ID	organizationIds.idType organizationIds.value organizationIds.issuer
Phone	phone.type phone.countryCode phone.phoneNumber
Website	website	Optional
Email	parties.email	Optional

Next steps

Start by creating a client profile.