Query KYC

Overview

Check the status of your customer's KYC review using the client_id returned when you create a customer account. Only customers with an APPROVED status will be able to transact.

Resource Access

• HTTP Method: GET
• Endpoint: /banking/iban/api/account/v2/certification/query
• Authentication: Bearer token required

Query Parameters

Parameter	Type	Required	Description
client_id	string	Yes	The unique customer ID

Request Headers

Header	Value	Required	Description
Accept	application/json	Yes	Content type for the response
Authorization	Bearer {access_token}	Yes	Bearer token for authentication

Response

Success Response (200 OK)

{
  "client_id": "M2024121314005491902",
  "kyc_status": "APPROVED",
  "merchant_type": "enterprise",
  "location": "DE",
  "reviewed_at": "2026-01-14T10:00:00.000Z",
  "decline_reason": null
}

Response Fields

Field	Type	Description
client_id	string	Customer identifier
kyc_status	string	Current KYC status
merchant_type	string	Type of merchant
location	string	Country code
reviewed_at	string (date-time)	Review completion timestamp
decline_reason	string	Reason for decline (if applicable)

KYC Status Values

• PENDING: Under review - KYC review is incomplete
• APPROVED: Customer is fully compliant and ready to transact
• DECLINED: Review rejected or additional information requested

Error Responses

• 401 Unauthorized: Invalid or missing authentication token
• 404 Not Found: Customer not found

Code Examples

cURL

curl -X GET \
  'https://gateway.ahrvo.network/banking/iban/api/account/v2/certification/query?client_id=M2024121314005491902' \
  -H 'Accept: application/json' \
  -H 'Authorization: Bearer YOUR_ACCESS_TOKEN'

Python

import requests

url = "https://gateway.ahrvo.network/banking/iban/api/account/v2/certification/query"
headers = {
    "Accept": "application/json",
    "Authorization": "Bearer YOUR_ACCESS_TOKEN"
}
params = {
    "client_id": "M2024121314005491902"
}

response = requests.get(url, headers=headers, params=params)
print(response.json())

JavaScript (Node.js)

const axios = require('axios');

const url = 'https://gateway.ahrvo.network/banking/iban/api/account/v2/certification/query';
const headers = {
  'Accept': 'application/json',
  'Authorization': 'Bearer YOUR_ACCESS_TOKEN'
};
const params = {
  client_id: 'M2024121314005491902'
};

axios.get(url, { headers, params })
  .then(response => {
    console.log(response.data);
  })
  .catch(error => {
    console.error(error.response.data);
  });

Usage Notes

• Check KYC status before attempting transactions
• Poll this endpoint periodically if not using webhooks
• DECLINED status may include requests for additional information
• Resubmit KYC with updated information if declined
• Typical review time is 1-5 business days

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