Initiate user verification (KYC/KYB)

POST https://api.balampay.com/sandbox/v1/users/{userId}/verifications

Initiates KYC (Know Your Customer) verification for individual users or KYB (Know Your Business) verification for business users.

Two verification methods available:

1. embedded-link: Generates a verification link where users complete KYC through a hosted interface

   • Simpler integration
   • User provides information directly through verification provider
   • Optional redirect URI after completion

2. api: Programmatic verification where you submit all user data via API

   • Full control over UX
   • Supports both individual and business verifications
   • Requires collecting and submitting all verification data
   • For USA individuals: SSN/ITIN required
   • For non-USA individuals: Government ID images required (base64 encoded)
   • For businesses: Company documents, tax IDs, and associated persons required

Requires an idempotency key to prevent duplicate verification requests.