Onboarding Client KYB via API

It is highly recommended that providers implement this API integration to streamline onboarding. With this approach, providers can eliminate up to 75% of the manual steps typically required—accelerating KYB validation, document intake, and technical alignment.

🤝 Roles & Responsibilities

Paystrator handles:

Data collection from clients
KYB completeness check
Automatic data transmission to the provider
Generation of a unique reference_id to track the onboarding process

Providers are responsible for:

Exposing a secure endpoint to receive KYB data
Processing and validating the KYB information internally
Updating Paystrator on onboarding status (received, processing, approved, rejected, connected)
Completing endpoint testing once KYB is approved

📤 Example Payload

{
  "reference_id": "paystrator-kyb-90210", //generated by Paystrator
  "submitter": {
    "email": "[email protected]",
    "name": "John Doe",
  },
  "product_selection":"QR Code, Open VA, Close VA",
	"legal_entity": {
    "legal_name": "PT SANDBOX COMPANY",
    "brand_name": "Sanbox",
    "nib_number": "234234234234234",
    "country": "Indonesia",
    "company_type": "PT",
    "company_industry": [
      "Agriculture",
      "General E-commerce"
		],
    "address": {
      "full_address": "Jl. Belokan Bawah I No.11, Tamban",
      "province": "Banten",
      "city": "Tangerang Selatan",
      "district": "Serpong",
      "sub_district": "Buaran",
      "postal_code": "55581"
    },
    "phone": "+62918237123",
    "website": "http://kolaborasibersama.id"
  },
  "documents": {
    "nib_document": "https://.../nib.pdf",
    "npwp_number": "234234234234234",
    "npwp_document": "https://.../npwp.pdf",
    "proof_of_address": "https://.../address.pdf",
    "deed_of_establishment": "https://.../deed.pdf",
    "legal_certification": "https://.../legalcert.pdf",
    "additional_documents":
			[{
        filename:"1238790812739870",
				name:"sertifikasi iso 27000",
        file_url:"https://.../sertifikasi_iso_27000.pdf"
      },
				{
        filename:"1238790812739871",  
				name:"Best consumer awards 2049",
        file_url:"https://.../best_consumer_awards_2049.pdf"
			}]
  },
  "stakeholder": [{
    "director_name": "John Doe",
    "email": "[email protected]",
    "phone": "+628127756464",
    "birth_place": "Jakarta Timur",
    "birth_date": "1988-10-23",
    "occupation": "Entrepreneur",
    "address": "Jl. Basuki Rahmat No.1A, Blok G3A",
    "province": "DKI Jakarta",
    "city": "Jakarta Timur",
    "ktp_document": "https://.../ktp.jpg",
    "selfie_with_ktp": "https://.../selfie.jpg"
  }],
  "supporting": {
    "company_structure": "https://.../structure.pdf",
    "bank_account_proof": "https://.../bankbook.pdf",
    "business_location_photo": [
      "https://.../location1.jpg",
      "https://.../location2.jpg"
		],
    "power_of_attorney": "https://.../poa.pdf",
    "skt_sppkp": "https://.../skt.pdf"
  },
  "business_info": {
    "monthly_revenue": 100000000,
    "monthly_profit": 120000000,
    "ownership_status": "1",
    "operating_open_hour": "00:00",
		"operating_close_hour": "23:59"
  }
}

🆔 What is reference_id?

reference_id is a unique identifier generated by Paystrator each time a client starts the onboarding process.
It is used to track and monitor the onboarding flow across both systems (Paystrator and Provider).
Providers must include this reference_id when sending onboarding status updates via the Status Update API.

Field-Level Breakdown

Field	Description
`reference_id`	Unique identifier generated by Paystrator

`submitter`

Field	Description
email	Email of the submitter, usually used as account registration information
name	The name of the submitter, usually used as account registration information

`legal_entity`

Field	Description
`legal_name`	Official registered company name
`brand_name`	Commercial name used in customer-facing channels
`nib_number`	Nomor Induk Berusaha (Business Registration Number)
`country`	Country of registration (currently only support 'Indonesia')
`company_type`	Type of legal entity, supported company types: PT (Private Limited Company) TBK (Public Company) CV (Registered Partnership Establishment) Firm Koperasi (Cooperative) Lembaga Pemerintah (Goverment Institution) BUMN (State-owned Enterprise) BUMD (Regional Owned Enterprise) Other PT Perorangan (Individual Limited Company) Yayasan (Foundation) My business has no legal entity yet
`company_industry`	Primary business type, can be many. Array of strings. See the end of this document for full company industry.
`address.*`	Full address split into province, city, district, sub-district, and postal code
`phone`	Company phone number
`website`	Company website

`Address`

coming soon: we're providing API to get list of province, city, district,and sub_district

Field	Description
`full_address`	Client's full address
`province`	Client's province
`city`	Client's city (kota/kabupaten)
`district`	Client's district (kecamatan)
`sub_district`	Client's sub district (kelurahan/desa)
`postal_code`	Client's postal code

`documents`

Field	Description
`nib_document`	Link to scanned NIB certificate
`npwp_number`	Company NPWP number
`npwp_document`	Scanned NPWP document
`proof_of_address`	Utility bill or other proof of business address
`deed_of_establishment`	Company deed (Akta Pendirian)
`legal_certification`	Certificate from Kemenkumham
`additional_documents.*`	other additional documents, such as business license, certifications, etc.

`additional_documents`

Field	Description
`filename`	unique file ID
`name`	the name of the file
`file_url`	the url of the document

👤 `stakeholder`

Field	Description
`director_name`	Full name of the company director
`email`	Director’s email
`phone`	Director’s phone number
`birth_place`	Place of birth
`birth_date`	Date of birth (YYYY-MM-DD)
`occupation`	Director’s current occupation
`address`	Director’s residential address
`province`	Location of residence
`city`	Location of residence
`ktp_document`	Scanned copy of KTP
`selfie_with_ktp`	Selfie holding KTP

📁 `supporting`

Field	Description
`company_structure`	org chart (optional)
`bank_account_proof`	First page of company bank book
`business_location_photo`	Physical photos of business premises (array of URL)
`power_of_attorney`	Letter of authority (if applicable)
`skt_sppkp`	SKT/SPPKP tax certificate (optional)

`business_info`

Field	Description
`monthly_revenue`	Estimated monthly revenue in Rupiah
`monthly_profit`	Estimated monthly profit in Rupiah
`ownership_status`	“Rent” or “Owned” status of business premises
`operating_hours`	Daily operating hours (e.g., `00:00 - 23:59`)

✅ Expected Response from Provider

{
  "reference_id": "paystrator-kyb-90210",
  "status": "received",
  "reamrks": ""//optional, for need_revision and rejected status
}

reference_id will be used for status updates.
Must respond with HTTP 200 OK.

📊 Status Lifecycle Using reference_id

📘
This is an optional process for Provider. Client can still connect their account to Paystrator even if you don't update the status. However, this will help to provide a better user experience for your potential client.

Status	Meaning
`received`	Provider has successfully received the KYB payload from Paystrator
`processing`	KYB data is under internal review by the provider
`approved`	KYB has been verified and accepted by the provider
`need_revision`	KYB need revision from client side (include reason in `remarks`)
`rejected`	KYB has been rejected (include reason in `remarks`)

All status updates must reference the original reference_id.

Company Industry List

General E-commerce
Fashion E-commerce
Grocery E-commerce
Electronics E-commerce
Luxury E-commerce
Second-hand E-commerce
B2B E-commerce
Social Commerce
Subscription E-commerce
SaaS
IaaS
PaaS
Cybersecurity
API Services
Web Development
Design Tools
Digital Banking
Digital Payments
Digital Lending
Insurtech
Wealth Management
Cryptocurrency
Remittance
Financial Comparison
Online Courses
Language Learning
Skill Development
Tutoring
Test Preparation
Early Childhood
Corporate Training
Educational Content
EdTech Tools
Virtual Reality Education
Telemedicine
E-pharmacy
Mental Health
Fitness Tech
Nutrition
Health Monitoring
Medical Records
Wellness Content
Digital Diagnostics
Senior Care Tech
Ride-hailing
Food Delivery
Grocery Delivery
Home Services
Beauty Services
Freelance Services
Logistics
Parking
Car Washing
Fuel Delivery
Video Streaming
Music Streaming
Podcasting
Digital Publishing
Online Gaming
Esports
Virtual Events
Social Media
Digital Art
Augmented Reality
Programmatic Advertising
Influencer Marketing
Email Marketing
SEO Tools
Social Media Management
Content Marketing
Affiliate Marketing
Marketing Analytics
Conversational Marketing
Video Marketing
Accommodation Sharing
Car Sharing
Bike Sharing
Co-working Spaces
Storage Sharing
Equipment Sharing
Skill Sharing
Delivery Crowdsourcing
WiFi Sharing
Pet Sitting
Smart Home
Industrial IoT
Wearable Tech
Smart City
Connected Cars
IoT Security
Smart Retail
Smart Agriculture
IoT Platforms
Smart Energy
AI Software
Machine Learning
Natural Language Processing
Computer Vision
Predictive Analytics
Big Data
AI Chatbots
AI in Healthcare
AI in Finance
Data Visualization
Food and Beverage
General Retail
Hospitality
Tourism
Personal Care
Fashion and Apparel
Electronics
Automotive
Home and Garden
Entertainment
Pet Care
Art and Craft
Sports and Recreation
Passenger Transport
Freight
Education
Financial Services
Legal Services
Creative Services
Real Estate
Design Services
Agriculture Consulting
Retail Energy
Renewable Energy
Waste Management
Water Services
Wholesale
Supply Chain
Food Service
Hospitality Supplies
Marketing
Apparel Wholesale
Medical Supplies
Pharmaceutical
Fitness Equipment
Educational Supplies
Agricultural Supplies
Food Processing
Beverage Production
Textiles
Apparel
IT Services
Telecom Equipment
Software
EdTech

🤝 Roles & Responsibilities

📤 Example Payload

🆔 What is reference_id?

Field-Level Breakdown

submitter

legal_entity

Address

documents

additional_documents

👤 stakeholder

📁 supporting

business_info

✅ Expected Response from Provider

📊 Status Lifecycle Using reference_id

Company Industry List

`submitter`

`legal_entity`

`Address`

`documents`

`additional_documents`

👤 `stakeholder`

📁 `supporting`

`business_info`