Payroll and Super Onboarding

Monoova's KYB (Know Your Business) API offers a lightweight verification service ideal for payroll and superannuation onboarding where AML carveouts exist. There is no requirement to verify UBOs or perform individual checks - making this the fastest path to enabling real-time account provisioning.

Overview

Monoova’s KYB for payroll and superannuation is simple and fast:

Submit and verify basic business entity details
Receive an applicantId to use for account creation
Skip UBO and individual verification steps
Use the applicantId to provision a ledger account for payments

There is no "application approved" status - once entity verification is complete, you're ready to go.

Step 1: Authenticate and Get Token

Use your API key to retrieve a bearer token. This token is required for all other API calls.

Endpoint: POST /kyb/auth/token

Headers:

Accept: application/json Content-Type: application/json apikey: YOUR_API_KEY

Step 2: Create and Verify Business Entity

Submit your business information for verification.

Endpoint: POST /kyb/v1/CreateVerifyEntity

Payload Example:

{ "companyName": "Example Pty Ltd", "registrationNumber": "1122334455", "country": "AUS", "sourceKey": "InternalID_123", "externalUserId": ["user123"] }

Response:

applicantId (required for account creation)
status (e.g. Pending, Completed)
flow (e.g. simple_entity)

Polling for Status: Use the following endpoint every 2–3 minutes to check verification status:

Endpoint: POST /kyb/v1/EntityStatus

{ "applicantId": "your_applicant_id" }

Continue polling until the status is Completed.

What Happens Next?

You’re done with verification - there’s no need to:

Retrieve or verify UBOs
Submit individual identity documents
Track complex workflows

Use the applicantId directly to:

Create a Monoova ledger account
Enable payments for payroll, superannuation, and other approved use cases

Integrate this directly into your onboarding flow for fast activation.

Upgrading to Full Verification (For Accounts Payable / Bills)

If your user later wants to enable accounts payable or other use cases beyond payroll and superannuation, they can enter the full KYB flow starting from Step 3:

Step 3: Retrieve UBOs
Step 4: Submit UBOs for individual verification

There is no need to resubmit Step 1 or 2 - the existing applicantId is reused for UBO checks.