Customer

A Customer represents either an individual user or a business entity within your application. Every transfer is tied to a customer, ensuring that transactions are traceable, compliant, and secure.

The customer object and its unique customerId are required for all API requests. This allows Spherepay to correctly identify the customer, link related activities, and apply the appropriate compliance checks.

Ensuring that each customer is unique and undergoes the proper onboarding process is critical for:

• Preventing fraud and malicious activities
• Meeting regulatory requirements such as KYC/AML
• Building trust between your business and end-users
• Ensuring smooth transfers without delays or rejections

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Customer Registration

Customer is required to be registered and onboarded before they can initiate transfers. The customer onboarding process ensures that the customer is compliant with regulatory requirements and that the customer is able to receive and send transfers securely.

Customer Registration Flow

In general, the customer registration flow follows the following steps:

1. Create a customer
2. Accept the Terms of Service and Privacy Policy by redirecting the customer to the TOS page.
3. Fullfill the KYC requirements.
4. Check the customer status to ensure the customer has completed the onboarding process.

Fullfilling the KYC requirements

To initiate transfers with SpherePay, customers must first complete Know Your Customer (KYC) verification. This essential process confirms customer identity and ensures full compliance with regulatory requirements. To facilitate a seamless and efficient KYC experience, SpherePay offers two methods for initiating the KYC process:

1. KYC Link: Generates a secure link that directs the customer to SpherePay’s dedicated KYC page. This option is ideal for rapid integration and is suited for those comfortable utilizing SpherePay’s native KYC interface. For more information, please refer to the Customer KYC via Link guide.

2. KYC API: Enables the customer onboarding and KYC process to be managed entirely through API integration. This approach is recommended for businesses that wish to maintain full control over the user experience, design, and branding. For more information, please refer to the Customer KYC via API guide.

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Why This Matters

Customer onboarding is not just a formality—it underpins the security and compliance of the payment network.

• For Developers: The process ensures your API calls will always have a valid customerId that passes compliance checks.
• For Businesses: It protects your company from fraud, ensures you remain compliant with regulatory standards, and reassures customers that their funds are safe.

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