Continue Onboarding

POST

recipients

{recipient_id}

onboardings

{onboarding_id}

continue

Continue Onboarding

curl --request POST \
  --url https://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue \
  --header 'Content-Type: application/json' \
  --header 'private-secret-key: <api-key>' \
  --header 'public-api-key: <api-key>' \
  --data '
{
  "account_id": "{{account-code}}",
  "type": "TWO_STEP_ONBOARDING",
  "workflow": "DIRECT",
  "callback_url": "https://merchant.example.com/webhook/onboarding",
  "provider": {
    "id": "STRIPE",
    "connection_id": "{{connection_id}}"
  },
  "legal_representatives": [
    {
      "merchant_reference": "LR-0001",
      "first_name": "John",
      "last_name": "Doe",
      "email": "john.doe@email.com",
      "date_of_birth": "1990-02-28",
      "country": "CO",
      "nationality": "CO",
      "title": "CTO",
      "publicly_exposed_person": false,
      "ultimate_beneficial_owner": false
    }
  ]
}
'

import requests

url = "https://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue"

payload = {
    "account_id": "{{account-code}}",
    "type": "TWO_STEP_ONBOARDING",
    "workflow": "DIRECT",
    "callback_url": "https://merchant.example.com/webhook/onboarding",
    "provider": {
        "id": "STRIPE",
        "connection_id": "{{connection_id}}"
    },
    "legal_representatives": [
        {
            "merchant_reference": "LR-0001",
            "first_name": "John",
            "last_name": "Doe",
            "email": "john.doe@email.com",
            "date_of_birth": "1990-02-28",
            "country": "CO",
            "nationality": "CO",
            "title": "CTO",
            "publicly_exposed_person": False,
            "ultimate_beneficial_owner": False
        }
    ]
}
headers = {
    "public-api-key": "<api-key>",
    "private-secret-key": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'public-api-key': '<api-key>',
    'private-secret-key': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    account_id: '{{account-code}}',
    type: 'TWO_STEP_ONBOARDING',
    workflow: 'DIRECT',
    callback_url: 'https://merchant.example.com/webhook/onboarding',
    provider: {id: 'STRIPE', connection_id: '{{connection_id}}'},
    legal_representatives: [
      {
        merchant_reference: 'LR-0001',
        first_name: 'John',
        last_name: 'Doe',
        email: 'john.doe@email.com',
        date_of_birth: '1990-02-28',
        country: 'CO',
        nationality: 'CO',
        title: 'CTO',
        publicly_exposed_person: false,
        ultimate_beneficial_owner: false
      }
    ]
  })
};

fetch('https://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue', 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://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue",
  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([
    'account_id' => '{{account-code}}',
    'type' => 'TWO_STEP_ONBOARDING',
    'workflow' => 'DIRECT',
    'callback_url' => 'https://merchant.example.com/webhook/onboarding',
    'provider' => [
        'id' => 'STRIPE',
        'connection_id' => '{{connection_id}}'
    ],
    'legal_representatives' => [
        [
                'merchant_reference' => 'LR-0001',
                'first_name' => 'John',
                'last_name' => 'Doe',
                'email' => 'john.doe@email.com',
                'date_of_birth' => '1990-02-28',
                'country' => 'CO',
                'nationality' => 'CO',
                'title' => 'CTO',
                'publicly_exposed_person' => false,
                'ultimate_beneficial_owner' => false
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "private-secret-key: <api-key>",
    "public-api-key: <api-key>"
  ],
]);

$response = curl_exec($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://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue"

	payload := strings.NewReader("{\n  \"account_id\": \"{{account-code}}\",\n  \"type\": \"TWO_STEP_ONBOARDING\",\n  \"workflow\": \"DIRECT\",\n  \"callback_url\": \"https://merchant.example.com/webhook/onboarding\",\n  \"provider\": {\n    \"id\": \"STRIPE\",\n    \"connection_id\": \"{{connection_id}}\"\n  },\n  \"legal_representatives\": [\n    {\n      \"merchant_reference\": \"LR-0001\",\n      \"first_name\": \"John\",\n      \"last_name\": \"Doe\",\n      \"email\": \"john.doe@email.com\",\n      \"date_of_birth\": \"1990-02-28\",\n      \"country\": \"CO\",\n      \"nationality\": \"CO\",\n      \"title\": \"CTO\",\n      \"publicly_exposed_person\": false,\n      \"ultimate_beneficial_owner\": false\n    }\n  ]\n}")

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

	req.Header.Add("public-api-key", "<api-key>")
	req.Header.Add("private-secret-key", "<api-key>")
	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://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue")
  .header("public-api-key", "<api-key>")
  .header("private-secret-key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_id\": \"{{account-code}}\",\n  \"type\": \"TWO_STEP_ONBOARDING\",\n  \"workflow\": \"DIRECT\",\n  \"callback_url\": \"https://merchant.example.com/webhook/onboarding\",\n  \"provider\": {\n    \"id\": \"STRIPE\",\n    \"connection_id\": \"{{connection_id}}\"\n  },\n  \"legal_representatives\": [\n    {\n      \"merchant_reference\": \"LR-0001\",\n      \"first_name\": \"John\",\n      \"last_name\": \"Doe\",\n      \"email\": \"john.doe@email.com\",\n      \"date_of_birth\": \"1990-02-28\",\n      \"country\": \"CO\",\n      \"nationality\": \"CO\",\n      \"title\": \"CTO\",\n      \"publicly_exposed_person\": false,\n      \"ultimate_beneficial_owner\": false\n    }\n  ]\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue")

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

request = Net::HTTP::Post.new(url)
request["public-api-key"] = '<api-key>'
request["private-secret-key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_id\": \"{{account-code}}\",\n  \"type\": \"TWO_STEP_ONBOARDING\",\n  \"workflow\": \"DIRECT\",\n  \"callback_url\": \"https://merchant.example.com/webhook/onboarding\",\n  \"provider\": {\n    \"id\": \"STRIPE\",\n    \"connection_id\": \"{{connection_id}}\"\n  },\n  \"legal_representatives\": [\n    {\n      \"merchant_reference\": \"LR-0001\",\n      \"first_name\": \"John\",\n      \"last_name\": \"Doe\",\n      \"email\": \"john.doe@email.com\",\n      \"date_of_birth\": \"1990-02-28\",\n      \"country\": \"CO\",\n      \"nationality\": \"CO\",\n      \"title\": \"CTO\",\n      \"publicly_exposed_person\": false,\n      \"ultimate_beneficial_owner\": false\n    }\n  ]\n}"

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

{
  "id": "61df26d9-3750-4206-baab-f2e20683f35b",
  "type": "TWO_STEP_ONBOARDING",
  "workflow": "HOSTED_BY_PROVIDER",
  "status": "PENDING",
  "provider": {
    "id": "STRIPE",
    "connection_id": "8fee3cc6-f3cb-455d-b139-973866111a03",
    "recipient_id": "acct_1RvpogA4Jk50vKRE",
    "redirect_url": "https://api.y.uno/redirect/kyc/stripe/session_12345"
  },
  "created_at": "2025-08-22T17:57:58.460711Z",
  "updated_at": "2025-08-22T18:15:22.123456Z"
}

Continues the onboarding process for a recipient. This endpoint is used for two-step onboarding flows to execute the KYC step after account creation. This endpoint continues the onboarding process for a recipient, specifically executing the KYC (Know Your Customer) step in two-step onboarding flows. Use this when you need to complete KYC validation after account creation has been completed via Create Onboarding.

Prerequisites

This endpoint requires a prior Create Onboarding call with type: "TWO_STEP_ONBOARDING" where the account creation step has been completed successfully. This is the second step in two-step onboarding flows for the split payments marketplace. The continue process supports two workflow types:

HOSTED_BY_PROVIDER: Returns a Yuno redirect URL that logs activity and redirects to the provider’s KYC interface. Use workflow: "HOSTED_BY_PROVIDER".
DIRECT: Processes KYC validation directly without external redirects. Use workflow: "DIRECT".

Supplying a bank account

For an existing Zoop or Pagar.me provider recipient, an explicit withdrawal_methods.bank is confirmed through the bank-update path before KYC continues. This includes the first bank account on an existing seller. After the provider confirms the bank, Yuno saves it for the selected onboarding and continues KYC without resending the bank. The recipient default is unchanged. A successful bank update does not mean KYC is complete: the onboarding can still require identity documents or other information. A definite bank refusal returns 400; an unconfirmed result returns 409. In either case, KYC is not started by that request and the unconfirmed bank is not saved. Follow the bank error and retry guidance before retrying. If the bank succeeds but a later KYC step fails, the bank change is not rolled back. Other providers and initial onboarding without a provider recipient ID retain their existing continuation behavior.

Authorizations

public-api-key

string

header

default:<Your public-api-key>

required

private-secret-key

string

header

default:<Your private-secret-key>

required

Path Parameters

recipient_id

string

required

ID of the recipient

onboarding_id

string

required

ID of the onboarding to continue

Body

application/json

account_id

string

required

Unique id of the account in Yuno

Example:

"9104911d-5df9-429e-8488-ad41abea1a4b"

type

enum<string>

required

Type of onboarding flow. Only TWO_STEP_ONBOARDING can be continued.

Available options:

TWO_STEP_ONBOARDING

Example:

"TWO_STEP_ONBOARDING"

workflow

enum<string>

required

Workflow of the KYC process. HOSTED_BY_PROVIDER calls create KYC service and returns Yuno URL that redirects to provider. DIRECT calls create KYC service and processes KYC directly.

Available options:

HOSTED_BY_PROVIDER,

DIRECT

Example:

"HOSTED_BY_PROVIDER"

callback_url

string<uri>

URL in case to redirect your customer after the onboarding process with the provider, if needed.

Example:

"https://www.google.com"

provider

object

Show child attributes

documentation

object[]

Specifies the documentation object.

Show child attributes

withdrawal_methods

object

Specifies the withdrawal methods object.

Show child attributes

legal_representatives

object[]

Object to indicate the owners of the organization. Adyen, Stripe and dlocal have fields related to that.

Show child attributes

terms_of_service

object

Object describing terms of service.

Show child attributes

Response

Created

string

The unique identifier of the recipient.

Example:

"3aaa4d82-11e8-48ce-8ef5-04eee3a10802"

account_id

string

The account identifier associated with this recipient.

Example:

"fe14c7c6-c75e-43b7-bdbe-4c87ad52c482"

merchant_recipient_id

string

Unique identifier of the recipient defined by the merchant.

Example:

"MERCHANT_182acf1d-faeb-4ff0-94cd-7fab11b282f6"

national_entity

string

Beneficiary's national entity type.

Example:

"INDIVIDUAL"

entity_type

string

Beneficiary's type of organization.

Example:

"PRIVATE"

first_name

string

Beneficiary's name.

Example:

"Juan"

last_name

string

Beneficiary's last name.

Example:

"Perez"

legal_name

string | null

Beneficiary's legal name.

Example:

null

string

The Beneficiary's email.

Example:

"juan.perez@example.com"

date_of_birth

string

Beneficiary's date of birth.

Example:

"1990-01-15"

country

string

The Beneficiary's country.

Example:

"CO"

website

string

The seller's website URL.

Example:

"https://juanperez.com"

industry

string

The seller's industry.

Example:

"Technology"

merchant_category_code

string

The merchant category code (MCC) (MAX 235; MIN 1).

Example:

"5734"

document

object

Show child attributes

phone

object

Show child attributes

address

object

Show child attributes

legal_representatives

object[]

Show child attributes

withdrawal_methods

object

Show child attributes

documentation

object[]

Show child attributes

onboardings

object[]

Show child attributes

split_configuration

object

Rules for automatic split calculation at the recipient level.

Show child attributes

created_at

string<date-time>

Recipient creation date (ISO 8601 MAX 27; MIN 27).

Example:

"2025-08-27T15:41:19.497413Z"

updated_at

string<date-time>

Last Recipient updated date (ISO 8601 MAX 27; MIN 27).

Example:

"2025-08-27T15:41:19.497425Z"

⌘I

Continue Onboarding

curl --request POST \
  --url https://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue \
  --header 'Content-Type: application/json' \
  --header 'private-secret-key: <api-key>' \
  --header 'public-api-key: <api-key>' \
  --data '
{
  "account_id": "{{account-code}}",
  "type": "TWO_STEP_ONBOARDING",
  "workflow": "DIRECT",
  "callback_url": "https://merchant.example.com/webhook/onboarding",
  "provider": {
    "id": "STRIPE",
    "connection_id": "{{connection_id}}"
  },
  "legal_representatives": [
    {
      "merchant_reference": "LR-0001",
      "first_name": "John",
      "last_name": "Doe",
      "email": "john.doe@email.com",
      "date_of_birth": "1990-02-28",
      "country": "CO",
      "nationality": "CO",
      "title": "CTO",
      "publicly_exposed_person": false,
      "ultimate_beneficial_owner": false
    }
  ]
}
'

import requests

url = "https://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue"

payload = {
    "account_id": "{{account-code}}",
    "type": "TWO_STEP_ONBOARDING",
    "workflow": "DIRECT",
    "callback_url": "https://merchant.example.com/webhook/onboarding",
    "provider": {
        "id": "STRIPE",
        "connection_id": "{{connection_id}}"
    },
    "legal_representatives": [
        {
            "merchant_reference": "LR-0001",
            "first_name": "John",
            "last_name": "Doe",
            "email": "john.doe@email.com",
            "date_of_birth": "1990-02-28",
            "country": "CO",
            "nationality": "CO",
            "title": "CTO",
            "publicly_exposed_person": False,
            "ultimate_beneficial_owner": False
        }
    ]
}
headers = {
    "public-api-key": "<api-key>",
    "private-secret-key": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'public-api-key': '<api-key>',
    'private-secret-key': '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    account_id: '{{account-code}}',
    type: 'TWO_STEP_ONBOARDING',
    workflow: 'DIRECT',
    callback_url: 'https://merchant.example.com/webhook/onboarding',
    provider: {id: 'STRIPE', connection_id: '{{connection_id}}'},
    legal_representatives: [
      {
        merchant_reference: 'LR-0001',
        first_name: 'John',
        last_name: 'Doe',
        email: 'john.doe@email.com',
        date_of_birth: '1990-02-28',
        country: 'CO',
        nationality: 'CO',
        title: 'CTO',
        publicly_exposed_person: false,
        ultimate_beneficial_owner: false
      }
    ]
  })
};

fetch('https://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue', 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://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue",
  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([
    'account_id' => '{{account-code}}',
    'type' => 'TWO_STEP_ONBOARDING',
    'workflow' => 'DIRECT',
    'callback_url' => 'https://merchant.example.com/webhook/onboarding',
    'provider' => [
        'id' => 'STRIPE',
        'connection_id' => '{{connection_id}}'
    ],
    'legal_representatives' => [
        [
                'merchant_reference' => 'LR-0001',
                'first_name' => 'John',
                'last_name' => 'Doe',
                'email' => 'john.doe@email.com',
                'date_of_birth' => '1990-02-28',
                'country' => 'CO',
                'nationality' => 'CO',
                'title' => 'CTO',
                'publicly_exposed_person' => false,
                'ultimate_beneficial_owner' => false
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "private-secret-key: <api-key>",
    "public-api-key: <api-key>"
  ],
]);

$response = curl_exec($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://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue"

	payload := strings.NewReader("{\n  \"account_id\": \"{{account-code}}\",\n  \"type\": \"TWO_STEP_ONBOARDING\",\n  \"workflow\": \"DIRECT\",\n  \"callback_url\": \"https://merchant.example.com/webhook/onboarding\",\n  \"provider\": {\n    \"id\": \"STRIPE\",\n    \"connection_id\": \"{{connection_id}}\"\n  },\n  \"legal_representatives\": [\n    {\n      \"merchant_reference\": \"LR-0001\",\n      \"first_name\": \"John\",\n      \"last_name\": \"Doe\",\n      \"email\": \"john.doe@email.com\",\n      \"date_of_birth\": \"1990-02-28\",\n      \"country\": \"CO\",\n      \"nationality\": \"CO\",\n      \"title\": \"CTO\",\n      \"publicly_exposed_person\": false,\n      \"ultimate_beneficial_owner\": false\n    }\n  ]\n}")

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

	req.Header.Add("public-api-key", "<api-key>")
	req.Header.Add("private-secret-key", "<api-key>")
	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://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue")
  .header("public-api-key", "<api-key>")
  .header("private-secret-key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_id\": \"{{account-code}}\",\n  \"type\": \"TWO_STEP_ONBOARDING\",\n  \"workflow\": \"DIRECT\",\n  \"callback_url\": \"https://merchant.example.com/webhook/onboarding\",\n  \"provider\": {\n    \"id\": \"STRIPE\",\n    \"connection_id\": \"{{connection_id}}\"\n  },\n  \"legal_representatives\": [\n    {\n      \"merchant_reference\": \"LR-0001\",\n      \"first_name\": \"John\",\n      \"last_name\": \"Doe\",\n      \"email\": \"john.doe@email.com\",\n      \"date_of_birth\": \"1990-02-28\",\n      \"country\": \"CO\",\n      \"nationality\": \"CO\",\n      \"title\": \"CTO\",\n      \"publicly_exposed_person\": false,\n      \"ultimate_beneficial_owner\": false\n    }\n  ]\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-sandbox.y.uno/v1/recipients/{recipient_id}/onboardings/{onboarding_id}/continue")

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

request = Net::HTTP::Post.new(url)
request["public-api-key"] = '<api-key>'
request["private-secret-key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_id\": \"{{account-code}}\",\n  \"type\": \"TWO_STEP_ONBOARDING\",\n  \"workflow\": \"DIRECT\",\n  \"callback_url\": \"https://merchant.example.com/webhook/onboarding\",\n  \"provider\": {\n    \"id\": \"STRIPE\",\n    \"connection_id\": \"{{connection_id}}\"\n  },\n  \"legal_representatives\": [\n    {\n      \"merchant_reference\": \"LR-0001\",\n      \"first_name\": \"John\",\n      \"last_name\": \"Doe\",\n      \"email\": \"john.doe@email.com\",\n      \"date_of_birth\": \"1990-02-28\",\n      \"country\": \"CO\",\n      \"nationality\": \"CO\",\n      \"title\": \"CTO\",\n      \"publicly_exposed_person\": false,\n      \"ultimate_beneficial_owner\": false\n    }\n  ]\n}"

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

{
  "id": "61df26d9-3750-4206-baab-f2e20683f35b",
  "type": "TWO_STEP_ONBOARDING",
  "workflow": "HOSTED_BY_PROVIDER",
  "status": "PENDING",
  "provider": {
    "id": "STRIPE",
    "connection_id": "8fee3cc6-f3cb-455d-b139-973866111a03",
    "recipient_id": "acct_1RvpogA4Jk50vKRE",
    "redirect_url": "https://api.y.uno/redirect/kyc/stripe/session_12345"
  },
  "created_at": "2025-08-22T17:57:58.460711Z",
  "updated_at": "2025-08-22T18:15:22.123456Z"
}

Getting Started

Reference

Customers

Network Tokens

Customer Sessions (Enrollment)

Checkout Sessions

Payment Methods (Checkout)

Checkout Builder

Payment Methods (Direct Workflow)

PCI Proxy

Payments

Pre-Debit Notifications

3DS2 Setup

Unreferenced Refunds

Dry-run

Transaction Reporting

Routing Recommendations

Payment Links

Recipients for Marketplace

Sellers (Franchise)

Subscriptions Plans

Subscriptions

Payouts

Organizations

Reports

Installments

AI Caller

Communications Campaigns

Conversion Rate

FX Rates

Banking Connectivity

Webhooks

Prerequisites

Supplying a bank account

Authorizations

Path Parameters

Body

Response

​Prerequisites

​Supplying a bank account

Authorizations

Path Parameters

Body

Response

Prerequisites

Supplying a bank account