---
title: Payroll and Super Onboarding
slug: poc-onboarding/payroll-and-super-onboarding
createdAt: 2025-06-06T04:53:54.760Z
---

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:**

:::BlockQuote
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:**

:::BlockQuote
\{
  "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

:::BlockQuote
\{
  "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.