Send Customer Record

After registering a new customer, send the formatted customer record to Concedus to start the onboarding process. The format and structure of the customer data is documented under Data Format. We then provide you with a verification link from the selected KYC provider that the customer can use to start the verification process. When the verification is complete, we send you the result in the form of a compliance record. Depending on the result, you can take further action.

Customer onboarding process

API Method

Customers and companies are imported with the same endpoint.

To distinguish these two types of records, set the field customers.person.type as follows:

• "0" = customer

• "1" = company

Import customer as individual

POST https://demo2.api.concedus.com/v2/compliance/contacts

Headers

Name	Type	Description
Content-Type*	String	application/json or application/zip
Authorization*	String	Bearer token

Request Body

Name	Type	Description
customers*	json	See: JSON structure

200: OK New ident with IDnow

{
  "identLinks": [
    {
      "kyc": "IDNOW",
      "url": "https://verify.idnow.com/demo/0029993384",
      "key": "PERSON_f627b484-15e8-42b7-99cc-9cfa5011766e",
      "actionId": "0029993384"
    }
  ]
}

200: OK No ident required

400: Bad Request

401: Unauthorized

Data Format

• JSON is transmitted when no other attachments are transmitted in file form. (default)

• ZIP must be sent if attachments are to be transferred as well. This is usually not required for person imports and is agreed upon in advance if necessary.

JSON structure

Customer example

{
    "customers": [
        {
            "person": {
                "type": 0,
                "professionell": {
                   "transactions":true,
                   "assets":true,
                   "experience":true
                },
                "precheckPep": "False",
                "salutation": "Frau",
                "foreName": "Felizitas",
                "surName": "X-MANUALTEST-HAPPYPATH",
                "street": "Miesgasse 183",
                "zip": "79357",
                "city": "Burg",
                "country": "DE",
                "birthDate": "1997-08-09",
                "birthPlace": "Hechingen",
                "birthCountry": "DE",
                "emailPriv": "[email protected]",
                "nationality": "DE",
                "furtherNationalities": [
                    "CO"
                ],
                "email": "[email protected]",
                "mobile": "[phone]",
                "phone": [
                    "[phone]"
                ],
                "web": "www.felizitas-birnbaum.de",
                "bankAccounts": [
                    {
                        "accountHolder": "Birnbaum, Felizitas",
                        "bic": "MZKIDEK9",
                        "iban": "DE29042430564723219727",
                        "bank": "Landesbank Baden-Württemberg",
                        "country": "DE",
                        "currency": "EUR",
                        "sharedAccount": false,
                        "key": "BA_4b5bfc78-8c25-4463-91ac-1bcf1c209b78",
                        "modified": "2023-03-27T16:19:50"
                    }
                ],
                "customFields": [
                    {
                        "name": "KYC",
                        "value": "IDNOW"
                    }
                ],
                "key": "PERS_1d22660d-9132-4471-9217-1fe5aad15658",
                "modified": "2023-03-27T16:19:50"
            },
            "investmentSurveys": [
                {
                    "investmentExperience": [
                        {
                            "type": 0,
                            "knowledge": true
                        },
                        {
                            "type": 3,
                            "knowledge": false
                        },
                        {
                            "type": 4,
                            "knowledge": false
                        },
                        {
                            "type": 5,
                            "knowledge": true
                        },
                        {
                            "type": 8,
                            "knowledge": true
                        },
                        {
                            "type": 10,
                            "knowledge": false
                        }
                    ],
                    "investorExperience": [
                        {
                            "name": "AE1",
                            "value": "2"
                        },
                        {
                            "name": "AE2",
                            "value": "1"
                        },
                        {
                            "name": "AE5",
                            "value": "1"
                        },
                        {
                            "name": "AE7",
                            "value": "2"
                        },
                        {
                            "name": "AE8",
                            "value": "2"
                        },
                        {
                            "name": "AE6",
                            "value": "1"
                        },
                        {
                            "name": "AE4",
                            "value": "2"
                        },
                        {
                            "name": "AE3",
                            "value": "4"
                        }
                    ],
                    "customFields": [
                        {
                            "name": "ForceMissedKnowledge",
                            "value": "true"
                        }
                    ],
                    "key": "INVST_1becc833-f89c-4000-9735-0a13b1d34ce1",
                    "modified": "2023-03-27T16:19:50"
                }
            ],
            "key": "CUSTO_ddcde884-ec8a-4a0b-83e3-342c5041c69b",
            "modified": "2023-03-27T16:19:50"
        }
    ]
}

Customers

Field	Type	Requirement	Description
person	object	required	See: Person
investmentSurveys	object	required	See: Investment Survey
key	string	required	See: Key
modified	string	required	See: Modified

Person

KYC-relevant fields are indicated in red

Field	Type	Required	Description
type	number	required	0 (customer)
professionell		depending on business model	See here
precheckPep	string	required	"True" if politically engaged person
salutation	string	optional	Mr. = "Herr" Mrs. = "Frau"
title	string	optional	Title like "Dr." , "Prof." or "Prof. Dr."
foreName	string	required	All forenames of customer
surName	string	required	Surname of customer
street	string	required	Street name and number
zip	string	required	Postal code
city	string	required	City
country	string	required	Country code ISO 3166 AL2
birthDate	string	required	Birthdate (18+)
birthPlace	string	required	Birthplace
birthCountry	string	optional	Birth country code
nationality	string	required	Nationality (country code)
furtherNationalities	array[string]	optional	List of further Nationalities (country code)
phonePriv	array[string]	optional	List of private phone numbers
email	string	optional, required for some KYC Provider (WEBID)	e-mail address
mobile	string	optional	Mobile phone number
phone	array[string]	optional	Further phone numbers
web	string	optional	Web address
bankAccounts	object	depends on legal requirement / business case	See: Bank Accounts
customFields[].name	string	required	"KYC" (to define the KYC Provider)
customFields[].value	string	required	Chosen KYC Provider (see: KYC-List)
key	string	required	See: Key
modified	string	required	See: Modified

Bank Accounts

Field	Type	Requirement	Description
accountHolder	string	required	Surname, Forename
bic	string	required	Bank identifier code
iban	string	required	International bank account number
bank	string	required	Name of the bank
country	string	required	Country code
currency	string	required	Currency code
key	string	required	See: Key
modified	string	required	See: Modified