A user is an individual who belongs to your account, identified by email. Create a user before you generate a payment link for them.
Identity verification is a separate, optional step. Nothing in this section requires it and the payment endpoints do not check it. Reach for KYC Verification when your compliance policy calls for verifying a user, and the KYC Verification Guide for the end-to-end flow.
Why these paths start with
/kyc: these endpoints live under/api/v1/kyc/usersfor historical reasons, from when creating a user and verifying them were a single flow. The prefix carries no meaning today - a user created here is a plain user record, verified or not.
In this section
| Endpoint | What it does |
|---|---|
POST /kyc/users | Create one user, or return the existing one with the same email |
POST /kyc/users/bulk | Create up to 500 users in one call, with per-item results |
PATCH /kyc/users/USER_ID | Update a user's name or email |
PATCH /kyc/users/USER_ID/verification-mode | Switch between managed KYC and external attestation |
POST /kyc/users/USER_ID/activate | Reactivate a deactivated user |
POST /kyc/users/USER_ID/deactivate | Soft-delete a user |
GET /kyc/lists | List users with their verification state, paginated and filterable |