KYB

Partners who are configured for KYB flow, can enroll customers who own small businesses. An optional node, businessData, will be available under the encryptedUserData payload.

Successful Business Enrollment (Happy Path):

• The accountType, businessData (required fields), and business phone number is provided by the customer during enrollment.
• POST /enrollments is submitted and processed.
• The customer’s account is created and activated, including paymentInstruments.

Response Codes

Active Small Business Account Limits

Social Security Number (SSN) Limits

• Up to 10 active accounts with the same SSN per program is allowed
• Up to 20 lifetime accounts with the same SSN per program are allowed

Phone Limits

The following phone limits will be implemented (during enrollment) only for the phone number that is listed as the default for the account:

• Up to 10 active accounts with the same phone number per program are allowed
• Up to 20 lifetime accounts with the same phone number per program are allowed

ITIN Limits

• Up to 10 active accounts with the same ITIN per program are allowed
• Up to 20 lifetime accounts with the same ITIN per program are allowed

Refer to Active Consumer Account Limits for details about consumer account limit thresholds.

Response Codes

Sample Request: - POST /programs/{programCode}/enrollments

{
  "user":{
	"encryptedUserData":{
	  "version":"EC_v1",
	  "ephemeralPublicKey":"AABBBCC ==",
	  "publicKeyHash":"abc123=",
	  "data":"encryptedString”
	},
	"termsAcceptances": [{
	  "termsIdentifier": "termsAndConditions",
	  "termsAcceptanceDateTime": "2019-10-22T00":"21":18.847Z"
	}]
},
"account": {
"accountType":"business",
"productCode": "99999",

Sample Unencrypted Business Data Object

{
	"businessData": {-- required if accountType is “business”, but otherwise must be excluded.
	"businessName": "Acme Corporation",
	"businessAddressLine1": "100 Main St.",
	"businessAddressLine2": "Suite 100", -- optional
	"businessCity": "Pasadena",
	"businessState": "CA",
	"businessZipCode": "91107",
	"businessCountryCode": "USA",
	"businessType": "soleProp", -- required.
	"businessTaxID": "1234567", -- optional for soleProp
	"businessIndustry": "12345", -- Cannot be retrieved. Passed to Green Dot’s backend fraud system as optional business metadata.
	"avgMonthlyProcessingVolume": 1234567.12, -- Cannot be retrieved. Passed to Green Dot’s backend fraud system as optional business metadata.                               
	"businessEmailAddress": "[email protected]" -- optional.  Only provide if distinct from the user’s email address which should be provided under the email node.
	"URL": "http"://www.acmecorpA7E.com", -- Cannot be retrieved. Passed to Green Dot’s backend fraud system as optional business metadata.
	},
	"profileData": {
	  "firstName": "Alice",
	  "middleName": "Mary",
	  "lastName": "Jones",
	  "addresses": 
	  [{
	    "addressLine1": "215 Main St.",
	    "addressLine2": "Suite 200",
	    "city": "Pasadena",
	    "state": "CA",
	    "zipCode": "91107",
	    "countryCode": "USA",
	    "type": "home",
	    "isDefault": true
     }]
	},
	"identifyingData": {
	  "ssn": "555555555",
	  "dateOfBirth": "1990-01-20"
	},
	"email": {
	  "emailAddress": "[email protected]" -- re-use business email if no personal email.
	},
	"phoneNumbers": [{
	  "number": "3105555555",
	  "type": "mobile",
	  "isDefault": true
	}]
}

Business Data Schema Validations - business Data Node

Note: Refer to the Valid Characters for Names, Cities, and Addresses table for details.

Response Codes - Length Validation