URL: /baas/api/integration/flows/organization-customer

---
title: 'Organization Customer (B2B) Flow'
description: 'Complete lifecycle guide for Organization customer onboarding and operations'
---

# Organization Customer (B2B) Flow

Complete end-to-end guide for onboarding organization (B2B) customers - from registration through to active transaction operations.

## Flow Overview

The Organization Customer flow is more complex than individual customers, involving multiple stakeholders (employees, directors, shareholders) and additional compliance requirements.

```mermaid
flowchart LR
    A[Registration] --> B[Personnel]
    B --> C[Verification]
    C --> D[Consents]
    D --> E[Activation]
    E --> F[Beneficiaries]
    F --> G[Payment Consent]
    G --> H[Transactions]
    
    style A fill:#e3f2fd
    style B fill:#e3f2fd
    style C fill:#fff8e1
    style D fill:#fff8e1
    style E fill:#e8f5e9
    style F fill:#e8f5e9
    style G fill:#e8f5e9
    style H fill:#e8f5e9
```

## Timeline

```
Registration → Personnel → Verification → Consent → Activation → Operations
   (10 min)     (20 min)    (2-5 days)    (10 min)   (instant)    (ongoing)
```

## Key Characteristics

| Characteristic | Description |
|----------------|-------------|
| **Multi-Stakeholder** | Employees, Directors, Shareholders |
| **Role-Based Access** | COMPLIANCE_OFFICER, TRANSACTION_APPROVER, ADMIN_USER |
| **Dual Record Creation** | Organization + Individual records for personnel |
| **Enhanced Verification** | KYB (Know Your Business) + UBO verification |
| **Categorization-Based Limits** | Transaction limits based on risk category |
| **Tenant-Level Approval** | Medium-risk approved by tenant admin |

---

## The 8 Phases

<Steps>
  <Step title="Phase 1: Organization Registration">
    Create organization record with legal information, addresses, and representatives.
    
    **Key Endpoint:** `POST /api/v2.1/customer/organization/registration`
    
    **Duration:** ~10 minutes
  </Step>
  
  <Step title="Phase 2: Personnel Management">
    Add directors, shareholders, and employees. Each creates an individual customer record.
    
    **Key Endpoints:**
    - `POST /api/v2.1/customer/organization/{orgId}/director`
    - `POST /api/v2.1/customer/organization/{orgId}/shareholders`
    - `POST /api/v2.1/customer/organization/{orgId}/employee`
    
    **Duration:** ~20 minutes
  </Step>
  
  <Step title="Phase 3: Organization Verification">
    KYB verification with business documents and UBO verification.
    
    **Key Endpoint:** `POST /api/v2.1/customer/organization/{orgId}/verify`
    
    **Duration:** 2-5 business days
  </Step>
  
  <Step title="Phase 4: Consent Management">
    Accept organization-level consents with authorized signatory details.
    
    **Key Endpoint:** `POST /api/v2.1/customer/organization/{orgId}/consents/{type}`
    
    **Duration:** ~10 minutes
  </Step>
  
  <Step title="Phase 5: Organization Activation">
    Validate roles, activate organization, generate IBAN and wallet.
    
    **Key Endpoint:** `POST /api/v2.1/customer/organization/{orgId}/activation`
    
    **Duration:** Instant
  </Step>
  
  <Step title="Phase 6: Beneficiary Management">
    Add business beneficiaries with enhanced due diligence.
    
    **Key Endpoint:** `POST /api/v2.1/fintrans/{accountId}/beneficiaries`
    
    **Duration:** Ongoing
  </Step>
  
  <Step title="Phase 7: Payment Consent Setup">
    Create payment consents with limits and beneficiary restrictions.
    
    **Key Endpoint:** `POST /api/v2.1/fintrans/{walletId}/payment-consents/types/transfer`
    
    **Duration:** ~5 minutes
  </Step>
  
  <Step title="Phase 8: Transaction Operations">
    Fund wallet, prepare transfers, execute payments with document requirements.
    
    **Key Endpoint:** `POST /api/v2.1/fintrans/{accountId}/types/transfer/execute`
    
    **Duration:** Ongoing
  </Step>
</Steps>

---

## Critical Prerequisites

### For Registration
- Legal documents (registration number, tax ID)
- Registered address
- Contact person details
- Representatives information

### For Personnel
- Organization must be registered
- Valid admin session

### For Activation

<Warning>
  **ALL prerequisites must be met:**
  1. User has `COMPLIANCE_OFFICER` or `ADMIN_USER` role
  2. Organization status: Not already `ACTIVE`
  3. Verification: `APPROVED`
  4. Role requirements met for business type
  5. Organization consents: All three `ACCEPTED`
</Warning>

### For Transactions
- Active wallet
- Payment consents in place
- Pre-registered beneficiaries
- Supporting documents (for high-value)

---

## B2B vs B2C Key Differences

| Aspect | Organization (B2B) | Individual (B2C) |
|--------|-------------------|------------------|
| **Registration** | Requires separate personnel endpoints | Single endpoint |
| **Personnel** | Directors, Shareholders, Employees | N/A |
| **First Employee** | Must have `ADMIN_USER` role | N/A |
| **Verification** | KYB (Business + UBO) | KYC (Identity) |
| **Consent Format** | Requires `acceptedBy` + `acceptedDate` | `accepted: true` only |
| **Activation** | Requires `activationReason` + admin headers | Simple code |
| **Documents** | Additional metadata fields | Basic fields |

---

## Phase Navigation

<CardGroup cols={2}>
  <Card title="Phase 1: Registration" icon="building" href="/baas/api/integration/flows/organization-customer/registration">
    Organization registration with legal details
  </Card>
  <Card title="Phase 2: Personnel" icon="users" href="/baas/api/integration/flows/organization-customer/personnel-management">
    Directors, shareholders, employees
  </Card>
  <Card title="Phase 3: Verification" icon="file-check" href="/baas/api/integration/flows/organization-customer/verification">
    KYB verification process
  </Card>
  <Card title="Phase 4: Consents" icon="file-signature" href="/baas/api/integration/flows/organization-customer/consent-management">
    Organization consent acceptance
  </Card>
  <Card title="Phase 5: Activation" icon="check-circle" href="/baas/api/integration/flows/organization-customer/activation">
    Role validation & activation
  </Card>
  <Card title="Phase 6: Beneficiaries" icon="address-book" href="/baas/api/integration/flows/organization-customer/beneficiary-management">
    Business beneficiary management
  </Card>
  <Card title="Phase 7: Payment Consent" icon="credit-card" href="/baas/api/integration/flows/organization-customer/payment-consent-setup">
    Payment consent with restrictions
  </Card>
  <Card title="Phase 8: Transactions" icon="banknote" href="/baas/api/integration/flows/organization-customer/transaction-operations">
    Transfers and payments
  </Card>
</CardGroup>

---

## Quick Reference: All Endpoints

| Phase | Endpoint | Method | Description |
|-------|----------|--------|-------------|
| 1 | `/api/v2.1/customer/organization/registration` | POST | Register organization |
| 1 | `/api/v2.1/customer/organization/{orgId}` | GET | Get organization details |
| 2 | `/api/v2.1/customer/organization/{orgId}/director` | POST | Add director |
| 2 | `/api/v2.1/customer/organization/{orgId}/shareholders` | POST | Add shareholders (bulk) |
| 2 | `/api/v2.1/customer/organization/{orgId}/employee` | POST | Add employee |
| 3 | `/api/v2.1/customer/organization/{orgId}/verify` | POST | Initiate verification |
| 3 | `/api/v2.1/verifications/{id}/documents` | POST | Upload documents |
| 3 | `/api/v2.1/verifications/{id}/approve` | POST | Approve verification |
| 4 | `/api/v2.1/customer/organization/{orgId}/consents/terms` | POST | Accept terms |
| 4 | `/api/v2.1/customer/organization/{orgId}/consents/privacy` | POST | Accept privacy |
| 4 | `/api/v2.1/customer/organization/{orgId}/consents/data-processing` | POST | Accept data processing |
| 5 | `/api/v2.1/customer/organization/{orgId}/activation` | POST | Activate organization |
| 6 | `/api/v2.1/fintrans/{accountId}/beneficiaries` | POST | Add beneficiary |
| 6 | `/api/v2.1/fintrans/{accountId}/beneficiaries` | GET | List beneficiaries |
| 7 | `/api/v2.1/fintrans/{walletId}/payment-consents/types/transfer` | POST | Create payment consent |
| 8 | `/api/v2.1/fintrans/{accountId}/types/topup/prepare` | POST | Prepare topup |
| 8 | `/api/v2.1/fintrans/{accountId}/types/transfer/prepare` | POST | Prepare transfer |
| 8 | `/api/v2.1/fintrans/{accountId}/types/transfer/execute` | POST | Execute transfer |