> ## Documentation Index
> Fetch the complete documentation index at: https://docs.getpartna.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Accounts and KYC

> Create user accounts and verify identity

Every end user who transacts through Partna needs an account and must complete identity verification (KYC). This is a regulatory requirement for all transactions. Users only need to verify once.

## Creating an account

Use [Create Account](/api-reference/endpoint/v3/account/create-account) to register a new user:

```bash theme={null}
curl --request POST \
  --url https://api.getpartna.com/v4/account \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: YOUR_API_KEY' \
  --header 'x-api-user: YOUR_USERNAME' \
  --data '{
    "email": "user@example.com",
    "accountName": "Jane Doe"
  }'
```

You can also use [Register Account](/api-reference/endpoint/v3/account/register-account) if your merchant registration type is set to "open", which creates a pending registration that the user can complete later.

## KYC verification flow

Identity verification in Nigeria uses BVN (Bank Verification Number). The flow depends on the user's country and the available verification methods.

<Steps>
  <Step title="Initiate KYC" stepNumber={1}>
    Call [Initiate KYC](/api-reference/endpoint/v3/kyc/initiate-bvn-kyc) with the user's identity information (e.g., BVN for Nigeria). This triggers an OTP to be sent to the phone number associated with the user's identity. In staging, you can use any 11-digit number as the BVN to simulate a successful verification.

    ```bash theme={null}
    curl --request POST \
      --url https://api.getpartna.com/v4/kyc/initiate \
      --header 'Content-Type: application/json' \
      --header 'x-api-key: YOUR_API_KEY' \
      --header 'x-api-user: YOUR_USERNAME' \
      --data '{
        "bvn": "12345678901",
        "accountName": "user-account-name"
      }'
    ```
  </Step>

  <Step title="Confirm phone number">
    After OTP verification, confirm the user's phone number using [Confirm Phone](/api-reference/endpoint/v3/kyc/confirm-phone). In staging, use `08030013843` when asked to verify the user's phone number.
  </Step>

  <Step title="Check supported verification methods" stepNumber={3}>
    Call [Supported Verification Methods](/api-reference/endpoint/v3/kyc/supported-verification-methods) to see which identity verification methods are available for a given country.

    ```bash theme={null}
    curl --request GET \
      --url 'https://api.getpartna.com/v4/kyc/verification-methods?country=NG' \
      --header 'x-api-key: YOUR_API_KEY' \
      --header 'x-api-user: YOUR_USERNAME'
    ```
  </Step>

  <Step title="Confirm OTP">
    Once the user receives the OTP, submit it using [Confirm KYC OTP](/api-reference/endpoint/v3/kyc/confirm-kyc-otp). In staging, use `123456` as the OTP to simulate a successful verification.

    ```bash theme={null}
    curl --request PUT \
      --url https://api.getpartna.com/v4/kyc/confirm-otp \
      --header 'Content-Type: application/json' \
      --header 'x-api-key: YOUR_API_KEY' \
      --header 'x-api-user: YOUR_USERNAME' \
      --data '{
        "otp": "123456",
        "accountName": "user-account-name"
      }'
    ```
  </Step>
</Steps>

<Tip>
  In some cases, the user may need to select how they receive the OTP (e.g., SMS or phone call).
</Tip>

After successful verification, you will receive a `verification.success` webhook event or a `verification.failed` event with reason if verification failed. If successful, the user can now transact.

## Merchant-managed KYC

If you have already verified your users' identities through your own KYC process, you can use [Merchant KYC Manually](/api-reference/endpoint/v3/kyc/merchant-kyc-users-manually) to mark a user as verified without going through Partna's KYC flow. This requires approval from the Partna team during onboarding.

```bash theme={null}
curl --request POST \
  --url https://api.getpartna.com/v4/kyc/merchant-kyc \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: YOUR_API_KEY' \
  --header 'x-api-user: YOUR_USERNAME' \
  --data '{
    "accountName": "user-account-name",
    "firstName": "Jane",
    "lastName": "Doe",
    "dateOfBirth": "1990-01-15"
  }'
```

## Resolving bank accounts

Before initiating payouts or offramp transactions, verify the destination bank account using [Resolve Bank](/api-reference/endpoint/v3/kyc/resolve-bank):

```bash theme={null}
curl --request POST \
  --url https://api.getpartna.com/v4/kyc/resolve-account \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: YOUR_API_KEY' \
  --header 'x-api-user: YOUR_USERNAME' \
  --data '{
    "accountNumber": "0123456789",
    "bankCode": "044",
    "currency": "NGN"
  }'
```

This returns the account holder's name so you can confirm it matches before sending funds.

## Creating bank accounts for users

Use [Create Bank Account](/api-reference/endpoint/v3/account/create-bank-account) to link a verified bank account to a user's Partna account. This is required before the user can receive local currency payouts.

## Account management

| Action              | Endpoint                                                                              |
| ------------------- | ------------------------------------------------------------------------------------- |
| Get account details | [Get Account](/api-reference/endpoint/v3/account/get-account)                         |
| List accounts       | [Get Accounts Details](/api-reference/endpoint/v3/account/get-accounts-details)       |
| Get user profile    | [Get Account Profile](/api-reference/endpoint/v3/account/get-account-profile)         |
| Update email        | [Update Account Email](/api-reference/endpoint/v3/account/update-account-email)       |
| Check permissions   | [Get Account Permissions](/api-reference/endpoint/v3/account/get-account-permissions) |
| Search accounts     | [Search Account](/api-reference/endpoint/v3/account/search-account)                   |