Testing checklist - Equals Documentation

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 `IdentityVerificationRequest` webhook	n/a	If using the Managed by Equals KYC model, verify you receive this webhook with an `actionUrl` for identity verification.
Receive `KycInformationRequested` or `KybInformationRequested` webhook	n/a	If additional information 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.

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