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An applicant is a person or business you want to issue cards to. Every applicant passes tenant KYC (your approval) and issuer KYC (registered with the card program) before cards can be issued.

Full KYC integration guide

Step-by-step flows for Apocor-hosted verification and bring-your-own identity (BYOK), share tokens, and troubleshooting.

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Lifecycle

StatusMeaning
PENDINGCreated, not yet verified
APPROVEDYour KYC passed
REVIEWHeld for manual review
REJECTEDVerification failed
Issuer fieldMeaning
issuerKycStatusProgress on the card program (PENDING → SUBMITTED → APPROVED)
issuerKycReadytrue when cards can be issued

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Create an applicant

cURL
curl -s -X POST 'https://sandbox.apocor.ai/v1/applicants' \
  -H 'Authorization: Bearer YOUR_TOKEN' -H 'Content-Type: application/json' \
  -d '{
    "type": "PERSON",
    "email": "[email protected]",
    "data": {
      "firstName": "Jane",
      "lastName": "Doe",
      "country": "US",
      "addressLine1": "123 Main St",
      "city": "New York",
      "state": "NY",
      "postalCode": "10001"
    }
  }'
Include a full residential address with state (or subdivision). The card program copies the verified KYC address onto the cardholder — state of birth alone is not sufficient for card issuance. Use the returned id as externalUserId when running your own identity provider (BYOK).

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Verify identity

See the KYC integration guide for complete flows. Quick reference:
IntegrationStart here
Apocor-hosted widgetPOST /v1/applicants/{id}/kyc-session
Your own identity providerPOST /v1/applicants/{id}/kyc-share with a share token
Poll / sandboxPOST /v1/applicants/{id}/submit — syncs tenant KYC and triggers issuer handoff
Poll issuer onlyGET /v1/applicants/{id}/kyc-status — refreshes issuerKycStatus / issuerKycReady without submitting share tokens
In sandbox with mock KYC, status may be APPROVED while issuerKycReady stays false. Use hosted verification or BYOK share tokens for live issuer testing.
Once status is APPROVED and issuerKycReady is true, create a cardholder and issue cards.