curl -X POST "https://api.khaime.com/api/v1/partner/marketplace/merchants/123/kyc/resubmit" \
  -H "X-API-Key: pk_sandbox_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "id_country": "NG",
    "account_type": "individual",
    "owner": {
      "first_name": "Amara",
      "last_name": "Osei",
      "id_type": "passport",
      "id_number": "A12345678",
      "id_document_url": "https://cdn.example.com/docs/amara-passport-v2.jpg",
      "selfie_url": "https://cdn.example.com/docs/amara-selfie-v2.jpg",
      "address": {
        "street": "12 Victoria Island",
        "city": "Lagos",
        "state": "Lagos",
        "postal_code": "101001",
        "country": "NG"
      }
    },
    "bank_account": {
      "country": "NG",
      "bank_name": "Access Bank",
      "account_number": "0123456789",
      "account_name": "Amara Osei"
    }
  }'

POST

marketplace

merchants

{merchantId}

kyc

resubmit

curl -X POST "https://api.khaime.com/api/v1/partner/marketplace/merchants/123/kyc/resubmit" \
  -H "X-API-Key: pk_sandbox_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "id_country": "NG",
    "account_type": "individual",
    "owner": {
      "first_name": "Amara",
      "last_name": "Osei",
      "id_type": "passport",
      "id_number": "A12345678",
      "id_document_url": "https://cdn.example.com/docs/amara-passport-v2.jpg",
      "selfie_url": "https://cdn.example.com/docs/amara-selfie-v2.jpg",
      "address": {
        "street": "12 Victoria Island",
        "city": "Lagos",
        "state": "Lagos",
        "postal_code": "101001",
        "country": "NG"
      }
    },
    "bank_account": {
      "country": "NG",
      "bank_name": "Access Bank",
      "account_number": "0123456789",
      "account_name": "Amara Osei"
    }
  }'

Resubmit Merchant KYC

Resubmits a KYC application for a sub-merchant. This endpoint handles both Khaime KYC (African markets) and Stripe Connect (other markets) based on the merchant’s existing submission.

For Khaime KYC: This endpoint will fail if the merchant’s KYC status is pending_review or approved. Check the current status with Get KYC Status first.For Stripe Connect: You can call this anytime to get a fresh onboarding URL to resume or update verification.

How Resubmission Works

Provider	When Allowed	What Happens
Khaime KYC	Status is `rejected` or `additional_info_requested`	Submit new documents; creates new submission
Stripe Connect	Anytime (with existing Stripe account)	Returns new `onboarding_url` to resume/update verification

Path Parameters

merchantId

number

required

The ID of the sub-merchant.

Request Body

For African Countries (Khaime KYC)

Same fields as Submit KYC. You can use either the structured format or legacy flat format. Provide complete data, not just changed fields.

Structured Format (Recommended)
Flat Format (Legacy)

Core Fields

id_country

string

required

ISO 3166-1 alpha-2 country code. Must be one of: NG, GH, ZA, KE.

account_type

string

required

Type of account. One of: individual, registered_business.

Owner Object (Required)

owner

object

required

Updated owner/individual information.

Field	Type	Required	Description
`first_name`	string	Yes	Owner’s first name
`last_name`	string	Yes	Owner’s last name
`date_of_birth`	string	No	Date of birth in `YYYY-MM-DD` format
`phone_number`	string	No	Contact phone number
`email`	string	No	Contact email address
`id_type`	string	Yes	Document type: `passport`, `national_id`, `drivers_license`
`id_number`	string	Yes	ID number (BVN, NIN, or passport number)
`id_document_url`	string	Yes	URL to updated identity document image
`selfie_url`	string	No	URL to selfie photo for liveness verification
`address`	object	Yes	Owner’s residential address

Business Object (Required for registered_business)

business

object

Required when account_type is registered_business.

Field	Type	Required	Description
`legal_name`	string	Yes	Registered business name
`trading_name`	string	No	Trading/DBA name if different
`registration_number`	string	Yes	Business registration number
`tax_id`	string	No	Tax identification number
`business_type`	string	No	One of: `sole_proprietorship`, `partnership`, `llc`, `corporation`, `ngo`, `other`
`website`	string	No	Business website URL
`phone_number`	string	No	Business phone number
`registration_document_url`	string	Yes	URL to certificate of incorporation
`additional_document_url`	string	No	URL to additional supporting document
`address`	object	Yes	Business address

Bank Account Object (Optional)

bank_account

object

Updated payout bank account details.

Field	Type	Required	Description
`country`	string	Yes	Bank country code (e.g., `NG`, `GH`)
`bank_name`	string	Yes*	Bank name from Get Supported Banks
`bank_id`	string	Yes*	Bank UUID from Get Supported Banks
`account_number`	string	Yes	Bank account number
`account_name`	string	Yes	Name on the bank account
`bank_code`	string	No	Bank code (if applicable)
`sort_code`	string	No	Sort code (required for UK accounts)

*Either bank_name or bank_id is required.

id_country

string

required

ISO 3166-1 alpha-2 country code for the identity document.

business_type

string

required

The type of business. One of: individual, registered_business.

legal_name

string

required

Full legal name of the individual or registered business.

id_document_type

string

required

Type of identity document. One of: passport, national_id, drivers_license.

id_document_url

string

required

Publicly accessible URL to the updated identity document image.

selfie_url

string

URL to an updated selfie photo.

registration_number

string

Business registration number (required for registered_business).

business_address

object

Physical address of the business or individual.

Field	Type	Required	Description
`line1`	string	Yes	Street address line 1
`line2`	string	No	Street address line 2
`city`	string	Yes	City or town
`state`	string	No	State, province, or region
`postal_code`	string	No	Postal or ZIP code
`country`	string	Yes	ISO 3166-1 alpha-2 country code

incorporation_cert_url

string

URL to the certificate of incorporation (required for registered_business).

bank_country

string

ISO 3166-1 alpha-2 country code for the merchant’s bank.

bank_name

string

Name of the merchant’s bank.

bank_account_number

string

The merchant’s bank account number.

bank_account_name

string

The registered name on the bank account.

bank_sort_code

string

Bank sort code (required for UK accounts).

For Other Countries (Stripe Connect)

For Stripe Connect merchants, call this endpoint to get a fresh onboarding session. The merchant can then resume or update their verification on Stripe.

When to use this: If the merchant didn’t complete onboarding, if their session expired, or if Stripe requires additional information.

return_url

string

required

URL to redirect the merchant after they complete Stripe onboarding. This should be a page on your platform.

refresh_url

string

required

URL to redirect the merchant if the Stripe onboarding link expires. Typically the same page that initiates KYC.

You don’t need to pass country or other fields — the system uses the existing submission data to generate a new onboarding session.

Response

African Countries (Khaime KYC)

{
  "success": true,
  "message": "KYC resubmitted for review.",
  "data": {
    "provider": "khaime",
    "id": 47,
    "status": "pending_review",
    "business_type": "individual",
    "legal_name": "Amara Osei",
    "id_country": "NG",
    "bank_name": "Access Bank",
    "bank_account_number": "0123456789",
    "bank_account_name": "Amara Osei",
    "settlement_currency": "NGN",
    "country_mismatch": false,
    "submitted_at": "2026-04-10T14:30:00.000Z",
    "reviewed_at": null,
    "rejection_reason": null
  }
}

Other Countries (Stripe Connect)

{
  "success": true,
  "message": "Continue your verification on Stripe.",
  "data": {
    "provider": "stripe",
    "submission_id": 43,
    "stripe_account_id": "acct_1234567890",
    "onboarding_url": "https://connect.stripe.com/setup/s/abc123",
    "client_secret": "accs_1234567890_secret_xyz"
  }
}

Field	Description
`onboarding_url`	Fresh URL to redirect the merchant to Stripe’s hosted onboarding
`client_secret`	Fresh secret for Stripe Connect Embedded Components
`stripe_account_id`	The existing Stripe Connect account ID

Embedded vs Redirect: Use onboarding_url for a simple redirect flow. Use client_secret with Stripe.js for embedded onboarding that keeps users on your site.

Data Storage

All resubmitted KYC data is stored in the KycSubmissions table:

Field	Storage Location
KYC documents	`KycSubmissions.id_document_url`, `selfie_url`, etc.
Owner info	`KycSubmissions.owner_info` (JSON)
Business info	`KycSubmissions.business_info` (JSON)
Bank details	`KycSubmissions.bank_info` (JSON) + flat fields
Status	`KycSubmissions.status`
Stripe account	`KycSubmissions.stripe_account_id`

Important: The KycSubmissions table is the single source of truth. Legacy fields in Educatorportfolio are deprecated.

Error Codes

Status	Error	Fix
`400`	`Can only resubmit after rejection or additional info request`	Check status first — only Khaime KYC with `rejected` or `additional_info_requested` status can resubmit
`400`	`No KYC submission found`	Use Submit KYC for first-time submission
`400`	`KYC is already approved`	No resubmission needed — merchant is already verified
`400`	`New KYC documents are required for resubmission`	Include complete KYC data for Khaime KYC resubmit
`400`	`Stripe account not found`	Contact support — the Stripe Connect account is missing
`401`	`Unauthorized`	Include a valid `X-API-Key` header
`403`	`This endpoint is restricted to marketplace operators`	Your API key must belong to a marketplace operator account
`404`	`Active merchant relationship not found`	The merchant is not linked to your marketplace

curl -X POST "https://api.khaime.com/api/v1/partner/marketplace/merchants/123/kyc/resubmit" \
  -H "X-API-Key: pk_sandbox_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "id_country": "NG",
    "account_type": "individual",
    "owner": {
      "first_name": "Amara",
      "last_name": "Osei",
      "id_type": "passport",
      "id_number": "A12345678",
      "id_document_url": "https://cdn.example.com/docs/amara-passport-v2.jpg",
      "selfie_url": "https://cdn.example.com/docs/amara-selfie-v2.jpg",
      "address": {
        "street": "12 Victoria Island",
        "city": "Lagos",
        "state": "Lagos",
        "postal_code": "101001",
        "country": "NG"
      }
    },
    "bank_account": {
      "country": "NG",
      "bank_name": "Access Bank",
      "account_number": "0123456789",
      "account_name": "Amara Osei"
    }
  }'

Get KYC Status — check before resubmitting
Submit KYC — for first-time submissions
Add Bank Account — add or update bank details separately

Get Merchant KYC Status Get Merchant Balance

Documentation Index

​Resubmit Merchant KYC

​How Resubmission Works

​Path Parameters

​Request Body

​For African Countries (Khaime KYC)

​Core Fields

​Owner Object (Required)

​Business Object (Required for registered_business)

​Bank Account Object (Optional)

​For Other Countries (Stripe Connect)

​Response

​African Countries (Khaime KYC)

​Other Countries (Stripe Connect)

​Data Storage

​Error Codes

​Related

Resubmit Merchant KYC

How Resubmission Works

Path Parameters

Request Body

For African Countries (Khaime KYC)

Core Fields

Owner Object (Required)

Business Object (Required for registered_business)

Bank Account Object (Optional)

For Other Countries (Stripe Connect)

Response

African Countries (Khaime KYC)

Other Countries (Stripe Connect)

Data Storage

Error Codes

Related