Steps to Create a Business Customer:

You can create a business customer and complete KYC in these steps:

Send a create business customer request
Trigger KYB for the business customer
Upload the required documents

Sample Request Payload to create a business customer

curl --request POST \
     --url https://api.sandbox.getanchor.co/api/v1/customers \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-anchor-key: ' \
     --data '
{
  "data": {
    "type": "BusinessCustomer",
    "attributes": {
      "address": {
        "country": "NG",
        "state": "KANO"
      },
      "basicDetail": {
        "industry": "Agriculture-AgriculturalCooperatives",
        "registrationType": "Private_Incorporated",
        "country": "NG",
        "businessName": "Accelerated Echo Limited",
        "businessBvn": "12345678901",
        "dateOfRegistration": "1999-06-25",
        "description": "Accelerated Echo Limited is a digital marketing business that supports consumers directly by proving easy payments to consumer market",
        "website": "https://www.example.com"
      },
      "contact": {
        "email": {
          "general": "[email protected]",
          "support": "[email protected]",
          "dispute": "[email protected]"
        },
        "address": {
          "main": {
            "country": "NG",
            "state": "LAGOS",
            "addressLine_2": "1 James street",
            "addressLine_1": "1 James street",
            "city": "Ikeja",
            "postalCode": "100032"
          },
          "registered": {
            "country": "NG",
            "state": "LAGOS",
            "addressLine_1": "1099 Pepple street, Computer Village",
            "addressLine_2": "1099 Pepple street, Computer Village",
            "city": "Ikeja",
            "postalCode": "100032"
          }
        },
        "phoneNumber": "07012345678"
      },
      "officers": [
        {
          "role": "DIRECTOR",
          "fullName": {
            "firstName": "Josh",
            "lastName": "Steve",
            "middleName": "JOHN",
            "maidenName": "PHILIP"
          },
          "nationality": "NG",
          "address": {
            "country": "NG",
            "state": "LAGOS",
            "addressLine_1": "1 James street",
            "addressLine_2": "Onike",
            "city": "Yaba",
            "postalCode": "100032"
          },
          "dateOfBirth": "1994-06-25",
          "email": "[email protected]",
          "phoneNumber": "07012345678",
          "bvn": "22222222226",
          "title": "CEO",
          "percentageOwned": 0
        },
        {
          "role": "OWNER",
          "fullName": {
            "firstName": "Graham",
            "lastName": "Bell",
            "middleName": "JOHN",
            "maidenName": "PHILIP"
          },
          "nationality": "NG",
          "address": {
            "country": "NG",
            "state": "KANO",
            "addressLine_1": "1 James street",
            "addressLine_2": "Onike",
            "city": "Yaba",
            "postalCode": "100032"
          },
          "dateOfBirth": "2000-06-25",
          "email": "[email protected]",
          "phoneNumber": "07012345678",
          "bvn": "22222222016",
          "title": "COO",
          "percentageOwned": 100
        }
      ]
    }
  }
}
'

{
  "data": {
    "id": "16968633133013-anc_bus_cst",
    "type": "BusinessCustomer",
    "attributes": {
      "createdAt": "2023-10-09T14:55:13.304874",
      "isRoot": false,
      "contact": {
        "email": {
          "general": "[email protected]",
          "support": "[email protected]",
          "dispute": "[email protected]"
        },
        "phoneNumber": "07012345678",
        "address": {
          "main": {
            "addressLine_1": "1 James street",
            "addressLine_2": "1 James street",
            "country": "NG",
            "city": "Ikeja",
            "postalCode": "100032",
            "state": "Lagos"
          },
          "registered": {
            "addressLine_1": "1099 Pepple street, Computer Village",
            "addressLine_2": "1099 Pepple street, Computer Village",
            "country": "NG",
            "city": "Ikeja",
            "postalCode": "100032",
            "state": "Lagos"
          }
        }
      },
      "detail": {
        "businessName": "Great Busness",
        "businessBvn": "12345678901",
        "industry": "Agriculture-AgriculturalCooperatives",
        "registrationType": "Private_Incorporated",
        "dateOfRegistration": "1999-06-25",
        "description": "Greate Business is a digital marketing business that supports consumers directly by proving easy payments to consumer market",
        "country": "NG",
        "website": "https://www.example.com"
      },
      "verification": {
        "status": "unverified"
      },
      "officers": [
        {
          "officerId": "16968633133291-anc_bus_off",
          "role": "DIRECTOR",
          "fullName": {
            "firstName": "Josh",
            "lastName": "Steve",
            "middleName": "JOHN",
            "maidenName": null
          },
          "dateOfBirth": "1994-06-25",
          "email": "[email protected]",
          "phoneNumber": "07012345678",
          "nationality": "NG",
          "address": {
            "addressLine_1": "1 James street",
            "addressLine_2": "Onike",
            "country": "NG",
            "city": "Yaba",
            "postalCode": "100032",
            "state": "Lagos"
          },
          "bvn": "22222222226",
          "percentOwned": 0
        },
        {
          "officerId": "16968633133312-anc_bus_off",
          "role": "OWNER",
          "fullName": {
            "firstName": "Graham",
            "lastName": "Bell",
            "middleName": "JOHN",
            "maidenName": null
          },
          "dateOfBirth": "2000-06-25",
          "email": "[email protected]",
          "phoneNumber": "07012345678",
          "nationality": "NG",
          "address": {
            "addressLine_1": "1 James street",
            "addressLine_2": "Onike",
            "country": "NG",
            "city": "Yaba",
            "postalCode": "100032",
            "state": "Kano"
          },
          "bvn": "22222222016",
          "percentOwned": 100
        }
      ],
      "status": "ACTIVE"
    },
    "relationships": {
      "documents": {
        "data": []
      },
      "organization": {
        "data": {
          "id": "16534918589610-anc_og",
          "type": "Organization"
        }
      }
    }
  }
}

Business Basic Information

Field	Description
Business Name	Registered name of the business
Description	Description of the business activities
Registration Type	Type of business registration
Website	Business website (if available)
Industry	Industry the business operates in

Business Contact Details

Field	Description
Contact Email	Official email of the business
Phone Number	Primary contact number
Main Address	Primary operating address
Registered Address	Address used during CAC registration

Business Officers / Shareholders

Provide the following details for each officer or shareholder.

Field	Description
Full Name	Legal name of the business officer
Nationality	Country of citizenship
Address	Residential address
Date of Birth	Officer's date of birth
Email	Email address
Phone Number	Contact phone number
BVN	Bank Verification Number
Title	Position in the company
Percentage Owned	Ownership stake (only for owners)

Business Addresses

Address Type	Description
Registered Address	Address submitted to CAC during business registration. Usually appears on CAC documents.
Current Address	Current operating address of the business. May differ from the registered address and must be validated with proof of address.
Director's Address	Residential address of a director or owner. Can be used when proof of address for the business location is unavailable.

Important Notes

Business document requirements and minimum officer requirements depend on the registrationType.
Use role to define the officer’s role: OWNER or DIRECTOR.
percentageOwned applies only to OWNER.
Directors and owners can be from any country.

Required Business Documents

The documents required for a business depend on the registrationType of the business and the date of registration.

Method	Endpoint
`GET`	`/documents?registrationType=BusinessType&registrationDate=YYYY-MM-DD`

Sample request and response payloads are provided below:

  curl --location 'https://api.sandbox.getanchor.co/api/v1/documents?registrationType=Private_Incorporated&registrationDate=1999-10-10' \
  --header 'x-anchor-key: <API Key>' \

{
    "data": [
        {
            "id": "0",
            "type": "DocumentType",
            "attributes": {
                "description": "Notification of Registered Address or any Changes Therein",
                "type": "FORM_CAC_3"
            }
        },
        {
            "id": "0",
            "type": "DocumentType",
            "attributes": {
                "description": "Statement of Share Capital and Return of Allotment",
                "type": "FORM_CAC_2"
            }
        },
        {
            "id": "0",
            "type": "DocumentType",
            "attributes": {
                "description": "Particulars of Directors",
                "type": "FORM_CAC_7"
            }
        },
        {
            "id": "0",
            "type": "DocumentType",
            "attributes": {
                "description": "Memorandum and Articles of Association",
                "type": "MEMORANDUM_OF_ASSOCIATION"
            }
        },
        {
            "id": "0",
            "type": "DocumentType",
            "attributes": {
                "description": "Registration number for Incorporated Company",
                "type": "RC_NUMBER"
            }
        },
        {
            "id": "0",
            "type": "DocumentType",
            "attributes": {
                "description": "Tax identification number is a unique identification numbers issued to taxpayers by the FIRS",
                "type": "TIN"
            }
        },
        {
            "id": "0",
            "type": "DocumentType",
            "attributes": {
                "description": "Certificate showing that the company is duly incorporated",
                "type": "CERTIFICATE_OF_INCORPORATION"
            }
        },
        {
            "id": "0",
            "type": "DocumentType",
            "attributes": {
                "description": "A document that proves an address such as utility bills etc.",
                "type": "PROOF_OF_ADDRESS"
            }
        }
    ]
}

Registration Types and Industry

Below are supported registration types and industries for businesses:

{
  "registrationTypes": [
    "Private_Incorporated",
    "Incorporated_Trustees",
    "Business_Name",
    "Free_Zone",
    "Gov",
    "Private_Incorporated_Gov",
    "Cooperative_Society",
    "Public_Incorporated"
  ]
}

{
   "Industry:":[
      "Agriculture_AgriculturalCooperatives",
      "Agriculture_AgriculturalServices",
      "Commerce_Automobiles",
      "Commerce_DigitalGoods",
      "Commerce_PhysicalGoods",
      "Commerce_RealEstate",
      "Commerce_DigitalServices",
      "Commerce_LegalServices",
      "Commerce_PhysicalServices",
      "Commerce_ProfessionalServices",
      "Commerce_OtherProfessionalServices",
      "Education_NurserySchools",
      "Education_PrimarySchools",
      "Education_SecondarySchools",
      "Education_TertiaryInstitutions",
      "Education_VocationalTraining",
      "Education_VirtualLearning",
      "Education_OtherEducationalServices",
      "Gaming_Betting",
      "Gaming_Lotteries",
      "Gaming_PredictionServices",
      "FinancialServices_FinancialCooperatives",
      "FinancialServices_CorporateServices",
      "FinancialServices_PaymentSolutionServiceProviders",
      "FinancialServices_Insurance",
      "FinancialServices_Investments",
      "FinancialServices_AgriculturalInvestments",
      "FinancialServices_Lending",
      "FinancialServices_BillPayments",
      "FinancialServices_Payroll",
      "FinancialServices_Remittances",
      "FinancialServices_Savings",
      "FinancialServices_MobileWallets",
      "Health_Gyms",
      "Health_Hospitals",
      "Health_Pharmacies",
      "Health_HerbalMedicine",
      "Health_Telemedicine",
      "Health_MedicalLaboratories",
      "Hospitality_Hotels",
      "Hospitality_Restaurants",
      "Nonprofits_ProfessionalAssociations",
      "Nonprofits_GovernmentAgencies",
      "Nonprofits_NGOs",
      "Nonprofits_PoliticalParties",
      "Nonprofits_ReligiousOrganizations",
      "Nonprofits_Leisure_Entertainment",
      "Nonprofits_Cinemas",
      "Nonprofits_Nightclubs",
      "Nonprofits_Events",
      "Nonprofits_Press_Media",
      "Nonprofits_RecreationCentres",
      "Nonprofits_StreamingServices",
      "Logistics_CourierServices",
      "Logistics_FreightServices",
      "Travel_Airlines",
      "Travel_Ridesharing",
      "Travel_TourServices",
      "Travel_Transportation",
      "Travel_TravelAgencies",
      "Utilities_CableTelevision",
      "Utilities_Electricity",
      "Utilities_Garbage_Disposal",
      "Utilities_Internet",
      "Utilities_Telecoms",
      "Utilities_Water",
      "Retail",
      "Wholesale",
      "Restaurants",
      "Construction",
      "Unions",
      "RealEstate",
      "FreelanceProfessional",
      "OtherProfessionalServices",
      "OtherEducationServices"
   ]
}

Some Useful Endpoints

Description	Endpoint
Get all countries	`{{baseUrl}}/api/v1/countries`
Find country by code	`{{baseUrl}}/api/v1/countries?countryCode=NG`
Get states in a country	`{{baseUrl}}/api/v1/countries/NG/states`