Check KYC Status & Send OTP

curl --request POST \
  --url https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/ \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "email": "[email protected]"
}
'

import requests

url = "https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/"

payload = { "email": "[email protected]" }
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({email: '[email protected]'})
};

fetch('https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'email' => '[email protected]'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/"

	payload := strings.NewReader("{\n  \"email\": \"[email protected]\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"email\": \"[email protected]\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"email\": \"[email protected]\"\n}"

response = http.request(request)
puts response.read_body

{
  "detail": "kyc approved. Otp sent"
}

KYC

Check KYC Status & Send OTP

Checks the customer’s KYC status with Ripio to determine if they can be fast-tracked through onboarding.

There are three possible outcomes, and you should handle all three:

If the customer has a previously approved KYC with Ripio, this endpoint sends a One-Time Password (OTP) to their email and returns 200. You can then use the POST /customers/{customerId}/otp/ endpoint to validate the OTP and instantly approve the customer’s KYC with your service, skipping the full data submission process.
If the customer’s KYC is not approved with Ripio, you get a 400 KycNotApprovedException and must guide them through the standard KYC process. This involves retrieving the required fields via GET /kycRequirements/ and submitting their data using POST /customers/{customerId}/kyc/.
If this customer already has an approved KYC on your integration, you get a 400 KycAlreadyApprovedException and no OTP is sent. This is not an integration error — the customer is already verified and can transact, so treat it as a success and skip the OTP step. Note this check looks at the customer record on your integration, which is a different thing from whether the email has an approved KYC at Ripio.

The request body is optional: send email to look up a specific address, or omit it to use the email already stored on the customer.

POST

api

customers

{customerId}

checkKyc

Check KYC Status & Send OTP

curl --request POST \
  --url https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/ \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "email": "[email protected]"
}
'

import requests

url = "https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/"

payload = { "email": "[email protected]" }
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({email: '[email protected]'})
};

fetch('https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'email' => '[email protected]'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/"

	payload := strings.NewReader("{\n  \"email\": \"[email protected]\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"email\": \"[email protected]\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://skala-sandbox.ripio.com/api/v1/customers/{customerId}/checkKyc/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"email\": \"[email protected]\"\n}"

response = http.request(request)
puts response.read_body

{
  "detail": "kyc approved. Otp sent"
}

Authorizations

Authorization

string

header

required

Access token obtained via /oauth2/token/. Use as Authorization: Bearer <access_token>.

Path Parameters

customerId

string<uuid>

required

Unique identifier for the customer.

Body

application/json

Optional payload. Omit it entirely to use the customer's stored email.

Payload for checking KYC status. The body is optional, and so is email inside it.

string<email>

Email to look up in Ripio. If omitted, the customer's stored email is used. If neither is available, the request fails with a 400.

Example:

"[email protected]"

Response

KYC approved in Ripio and OTP sent.

detail

string

required

Example:

"kyc approved. Otp sent"

⌘I

Overview

Widget integration

API Integration

Check KYC Status & Send OTP

Authorizations

Path Parameters

Body

Response