Personal account flow
| Test | Endpoint | Task |
|---|---|---|
| Create a personal application | POST /v2/applications | Submit a personal application with type: 'INDIVIDUAL', including address, feature information (payments and/or cards), and personal details. Verify the response returns a DRAFT status and an applicationId. |
| Update an application | PATCH /v2/applications/:applicationId | Modify a draft application and confirm the response reflects your changes. |
| Upload a document | POST /v2/applications/:applicationId/documents | Upload a supporting document (e.g. proof of identity). Verify the upload succeeds and the document is linked to the application. |
| Submit a personal application | POST /v2/applications/:applicationId/submit | Submit the application and verify the status changes to SUBMITTED. |
Business account flow
| Test | Endpoint | Task |
|---|---|---|
| Create associated people | POST /v2/applications/associated-people | Create at least one APPLICANT and one ULTIMATE_BENEFICIAL_OWNER. Verify the response returns IDs for each person. |
| Create a business application | POST /v2/applications | Submit a business application (e.g. PRIVATE_COMPANY) with registered address, feature information, industry codes, and linked associated people. Verify a DRAFT status and applicationId are returned. |
| Upload associated person documents | POST /v2/applications/associated-people/:associatedPersonId/documents | Upload a document for an associated person and verify it’s linked correctly. |
| Submit a business application | POST /v2/applications/:applicationId/submit | Submit the application and verify the status changes to SUBMITTED. |
Webhooks
| Test | Endpoint | Task |
|---|---|---|
Receive IdentityVerificationRequested webhook | n/a | If using the Managed by Equals KYC model, verify you receive this webhook with an actionUrl for identity verification. |
Receive KycInformationRequest or KybInformationRequest webhook | n/a | If additional documentation is needed, verify this webhook is received and parsed correctly. |
Receive ApplicationStatusUpdated webhook | n/a | Verify you receive the approval or decline notification and handle both outcomes. |
Receive AccountActivated webhook | n/a | Verify the webhook is received with settlement details (sort code, account number, IBAN, etc.) and that your app stores them correctly. |
Optional
| Test | Endpoint | Task |
|---|---|---|
| Save an address to your account | POST /v2/addresses | Add an address to your account and check that a new ID is created for it. This is optional but recommended if you plan to convert virtual cards into physical ones. |