> ## Documentation Index > Fetch the complete documentation index at: https://docs.services.payward.com/llms.txt > Use this file to discover all available pages before exploring further. # Create Hosted Verification > Create or reuse the hosted verification required for the user. PWS derives the provider, level, and verification type from the current KYC requirement. The result contains one or more hosted methods, or `not_required` when the user has no actionable requirement. ## OpenAPI ````yaml /api-reference/openapi_v3_pws.json post /v1/users/{user_id}/verifications/hosted openapi: 3.1.0 info: title: Payward Services API description: >- The Payward Services (PWS) public API. PWS exposes Swaps (institutional FX-style trading), Conversion rules (rule-driven fiat ↔ crypto value movement), retail-style Quotes and Price Trigger Swaps, end-user Users / Verifications, Travel Rule address ownership verification, Funds (deposits, withdrawals, addresses, transactions), Portfolio, Earn, Reports, Webhooks, and Ramp (hosted fiat-to-crypto on-ramp checkout). All requests must be authenticated. All monetary values are decimal strings; all timestamps are ISO 8601 UTC. List endpoints are cursor-paginated. Errors follow a uniform shape (see `*ErrorResponse` schemas). version: v1 contact: name: Payward Services API Support url: https://docs.payward.com email: api-support@payward.com servers: - url: https://api.services.payward.com description: Production security: - ApiKey: [] ApiSign: [] ApiNonce: [] tags: - name: Users description: >- User onboarding and status flows that the partner manages. - **Create User** provisions a user with an email and external reference. - **Get User** retrieves the user's profile, verification status, and required actions. Use the returned user `id` for calls that require the user's identifier. - name: Assets description: >- Catalog of assets available on the platform with retail-display metadata (logos, market data, descriptions). - name: Conversion rules x-group: Users description: >- Rule-driven fiat ↔ crypto value movement, including conversion rules and deposits. - name: On-demand conversions x-group: Users description: One-off conversions from an account balance to a wallet destination. - name: Earn description: >- Manage auto-earn preferences and retrieve allocation and reward information. - name: Funds description: >- Deposits, withdrawals, addresses, methods, and the consolidated funding-transactions ledger. - name: Bank Links description: >- Link US bank accounts to an account through a Kraken-hosted widget, then reference them for money movement. Two resources model a connection: - A **Bank Link** is the connection between one account and one banking institution. Create it to get a hosted-widget URL, and send the user there to choose their institution and approve access. One account can hold many Bank Links. - An **Account Link** is one bank account — a checking account, for example — that the user shared through that connection. One Bank Link owns one or more Account Links. Use `account_link_id` to reference the bank account when you move money. Both ids are opaque handles. Provider identifiers, access tokens, owner names, and raw bank numbers are never exposed. Eligibility is evaluated on every read, and ownership must match: the bank account's holder must match the account's verified holder. An account that fails ownership validation reports `ineligible` with the reason `name_mismatch`. Unlinking is permanent. Linking the same bank account again creates a new Bank Link and a new `account_link_id`; old ids stay valid only for reading history. - name: Portfolio description: End-user portfolio summary, history, and transaction views. - name: Price Trigger Swaps description: Limit-style orders that execute when a configured price trigger is met. - name: On-chain Swaps description: >- Wallet-funded onchain quote trading for xStock and USDC pairs. On-chain quotes settle on-chain through the Payward on-chain proxy contract. - name: Ramp description: >- Hosted fiat-to-crypto on-ramp checkout: country / fiat / payment-method / cryptocurrency-asset discovery, transaction limits and prospective quotes, and the hosted checkout URL. - name: Reports description: Settlement and reconciliation reports for the partner. - name: Swaps description: >- Direct partner-to-Payward swap quotes and executions (institutional FX-style trading). - name: Travel Rule Verifications description: Travel Rule address ownership verification flows. - name: Verifications description: Identity verification (KYC) submission and status for end users. - name: Webhooks description: Manage webhook subscriptions for asynchronous event delivery. paths: /v1/users/{user_id}/verifications/hosted: post: tags: - Verifications summary: Create Hosted Verification description: >- Create or reuse the hosted verification required for the user. PWS derives the provider, level, and verification type from the current KYC requirement. The result contains one or more hosted methods, or `not_required` when the user has no actionable requirement. operationId: createHostedVerification parameters: - $ref: '#/components/parameters/UserIdPath' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/HostedVerificationRequest' responses: '200': description: >- Hosted verification methods returned, or no hosted verification required. content: application/json: schema: $ref: '#/components/schemas/HostedVerificationResponseBody' examples: methods: summary: Web and embedded methods are available value: data: methods: web: url: https://in.sumsub.com/websdk/pws-example expires_at: '2026-07-29T18:00:00.000Z' embedded: sumsub: access_token: user_id: AA45N8G4MLDYWAR7 expires_at: '2026-07-29T18:00:00.000Z' not_required: summary: No user-actionable verification is required value: data: not_required: {} headers: Request-Id: $ref: '#/components/headers/RequestId' X-RateLimit-Limit: $ref: '#/components/headers/RateLimitLimit' X-RateLimit-Remaining: $ref: '#/components/headers/RateLimitRemaining' X-RateLimit-Reset: $ref: '#/components/headers/RateLimitReset' Strict-Transport-Security: $ref: '#/components/headers/StrictTransportSecurity' X-Content-Type-Options: $ref: '#/components/headers/XContentTypeOptions' Content-Security-Policy: $ref: '#/components/headers/ContentSecurityPolicy' Cache-Control: $ref: '#/components/headers/CacheControl' '400': description: Validation error content: application/json: schema: $ref: '#/components/schemas/BadRequestError' headers: Request-Id: $ref: '#/components/headers/RequestId' X-RateLimit-Limit: $ref: '#/components/headers/RateLimitLimit' X-RateLimit-Remaining: $ref: '#/components/headers/RateLimitRemaining' X-RateLimit-Reset: $ref: '#/components/headers/RateLimitReset' Strict-Transport-Security: $ref: '#/components/headers/StrictTransportSecurity' X-Content-Type-Options: $ref: '#/components/headers/XContentTypeOptions' Content-Security-Policy: $ref: '#/components/headers/ContentSecurityPolicy' Cache-Control: $ref: '#/components/headers/CacheControl' '401': description: Authentication required content: application/json: schema: $ref: '#/components/schemas/UnauthenticatedError' headers: Request-Id: $ref: '#/components/headers/RequestId' X-RateLimit-Limit: $ref: '#/components/headers/RateLimitLimit' X-RateLimit-Remaining: $ref: '#/components/headers/RateLimitRemaining' X-RateLimit-Reset: $ref: '#/components/headers/RateLimitReset' Strict-Transport-Security: $ref: '#/components/headers/StrictTransportSecurity' X-Content-Type-Options: $ref: '#/components/headers/XContentTypeOptions' Content-Security-Policy: $ref: '#/components/headers/ContentSecurityPolicy' Cache-Control: $ref: '#/components/headers/CacheControl' '403': description: Forbidden content: application/json: schema: $ref: '#/components/schemas/ForbiddenError' headers: Request-Id: $ref: '#/components/headers/RequestId' X-RateLimit-Limit: $ref: '#/components/headers/RateLimitLimit' X-RateLimit-Remaining: $ref: '#/components/headers/RateLimitRemaining' X-RateLimit-Reset: $ref: '#/components/headers/RateLimitReset' Strict-Transport-Security: $ref: '#/components/headers/StrictTransportSecurity' X-Content-Type-Options: $ref: '#/components/headers/XContentTypeOptions' Content-Security-Policy: $ref: '#/components/headers/ContentSecurityPolicy' Cache-Control: $ref: '#/components/headers/CacheControl' '429': description: Rate limit exceeded content: application/json: schema: $ref: '#/components/schemas/ResourceExhaustedError' headers: Request-Id: $ref: '#/components/headers/RequestId' X-RateLimit-Limit: $ref: '#/components/headers/RateLimitLimit' X-RateLimit-Remaining: $ref: '#/components/headers/RateLimitRemaining' X-RateLimit-Reset: $ref: '#/components/headers/RateLimitReset' Strict-Transport-Security: $ref: '#/components/headers/StrictTransportSecurity' X-Content-Type-Options: $ref: '#/components/headers/XContentTypeOptions' Content-Security-Policy: $ref: '#/components/headers/ContentSecurityPolicy' Cache-Control: $ref: '#/components/headers/CacheControl' Retry-After: $ref: '#/components/headers/RetryAfter' '500': description: Internal server error content: application/json: schema: $ref: '#/components/schemas/InternalError' headers: Request-Id: $ref: '#/components/headers/RequestId' X-RateLimit-Limit: $ref: '#/components/headers/RateLimitLimit' X-RateLimit-Remaining: $ref: '#/components/headers/RateLimitRemaining' X-RateLimit-Reset: $ref: '#/components/headers/RateLimitReset' Strict-Transport-Security: $ref: '#/components/headers/StrictTransportSecurity' X-Content-Type-Options: $ref: '#/components/headers/XContentTypeOptions' Content-Security-Policy: $ref: '#/components/headers/ContentSecurityPolicy' Cache-Control: $ref: '#/components/headers/CacheControl' '501': description: Error response content: application/json: schema: $ref: '#/components/schemas/UnimplementedError' headers: Request-Id: $ref: '#/components/headers/RequestId' X-RateLimit-Limit: $ref: '#/components/headers/RateLimitLimit' X-RateLimit-Remaining: $ref: '#/components/headers/RateLimitRemaining' X-RateLimit-Reset: $ref: '#/components/headers/RateLimitReset' Strict-Transport-Security: $ref: '#/components/headers/StrictTransportSecurity' X-Content-Type-Options: $ref: '#/components/headers/XContentTypeOptions' Content-Security-Policy: $ref: '#/components/headers/ContentSecurityPolicy' Cache-Control: $ref: '#/components/headers/CacheControl' '503': description: Service unavailable content: application/json: schema: $ref: '#/components/schemas/UnavailableError' headers: Request-Id: $ref: '#/components/headers/RequestId' X-RateLimit-Limit: $ref: '#/components/headers/RateLimitLimit' X-RateLimit-Remaining: $ref: '#/components/headers/RateLimitRemaining' X-RateLimit-Reset: $ref: '#/components/headers/RateLimitReset' Strict-Transport-Security: $ref: '#/components/headers/StrictTransportSecurity' X-Content-Type-Options: $ref: '#/components/headers/XContentTypeOptions' Content-Security-Policy: $ref: '#/components/headers/ContentSecurityPolicy' Cache-Control: $ref: '#/components/headers/CacheControl' '504': description: Deadline exceeded content: application/json: schema: $ref: '#/components/schemas/DeadlineExceededError' headers: Request-Id: $ref: '#/components/headers/RequestId' X-RateLimit-Limit: $ref: '#/components/headers/RateLimitLimit' X-RateLimit-Remaining: $ref: '#/components/headers/RateLimitRemaining' X-RateLimit-Reset: $ref: '#/components/headers/RateLimitReset' Strict-Transport-Security: $ref: '#/components/headers/StrictTransportSecurity' X-Content-Type-Options: $ref: '#/components/headers/XContentTypeOptions' Content-Security-Policy: $ref: '#/components/headers/ContentSecurityPolicy' Cache-Control: $ref: '#/components/headers/CacheControl' security: - ApiKey: [] ApiSign: [] ApiNonce: [] x-codeSamples: - lang: bash label: curl source: >- curl -X POST "https://api.services.payward.com/v1/users/AA45N8G4MLDYWAR7/verifications/hosted" \ -H "API-Key: $PWS_API_KEY" \ -H "API-Nonce: $PWS_API_NONCE" \ -H "API-Sign: $PWS_API_SIGN" \ -H "Content-Type: application/json" \ -d '{}' components: parameters: UserIdPath: in: path name: user_id required: true description: >- ID of the user the request applies to. For partners operating in the B2B2C model, this is the Sub-User the request is acting on behalf of. schema: $ref: '#/components/schemas/UserId' example: AA45N8G4MLDYWAR7 schemas: HostedVerificationRequest: type: object description: >- Empty request body. PWS derives the provider and verification requirement. additionalProperties: false properties: {} example: {} HostedVerificationResponseBody: type: object additionalProperties: false properties: data: title: HostedVerificationResult oneOf: - $ref: '#/components/schemas/HostedVerificationMethodsResult' - $ref: '#/components/schemas/HostedVerificationNotRequiredResult' required: - data BadRequestError: description: Request validation failed or the request could not be processed. allOf: - $ref: '#/components/schemas/PwsValidationErrorEnvelope' - type: object required: - error properties: error: allOf: - $ref: '#/components/schemas/PwsValidationError' - type: object required: - status - code properties: status: type: integer format: int32 enum: - 400 code: type: string enum: - bad_request UnauthenticatedError: description: Authentication credentials are missing, invalid, or not accepted. allOf: - $ref: '#/components/schemas/PwsGeneralErrorEnvelope' - type: object required: - error properties: error: allOf: - $ref: '#/components/schemas/PwsGeneralError' - type: object required: - status - code properties: status: type: integer format: int32 enum: - 401 code: type: string enum: - unauthenticated ForbiddenError: description: The caller is not allowed to perform this operation. oneOf: - title: Forbidden allOf: - $ref: '#/components/schemas/PwsGeneralErrorEnvelope' - type: object required: - error properties: error: allOf: - $ref: '#/components/schemas/PwsGeneralError' - type: object required: - status - code properties: status: type: integer format: int32 enum: - 403 code: type: string enum: - forbidden - $ref: '#/components/schemas/GatewayError' ResourceExhaustedError: description: The request was rate limited or a resource quota was exhausted. allOf: - $ref: '#/components/schemas/PwsGeneralErrorEnvelope' - type: object required: - error properties: error: allOf: - $ref: '#/components/schemas/PwsGeneralError' - type: object required: - status - code properties: status: type: integer format: int32 enum: - 429 code: type: string enum: - resource_exhausted InternalError: description: An unexpected server-side error occurred. allOf: - $ref: '#/components/schemas/PwsGeneralErrorEnvelope' - type: object required: - error properties: error: allOf: - $ref: '#/components/schemas/PwsGeneralError' - type: object required: - status - code properties: status: type: integer format: int32 enum: - 500 code: type: string enum: - internal UnimplementedError: description: The operation is not implemented by the upstream service. allOf: - $ref: '#/components/schemas/PwsGeneralErrorEnvelope' - type: object required: - error properties: error: allOf: - $ref: '#/components/schemas/PwsGeneralError' - type: object required: - status - code properties: status: type: integer format: int32 enum: - 501 code: type: string enum: - unimplemented UnavailableError: description: The service is temporarily unavailable. allOf: - $ref: '#/components/schemas/PwsGeneralErrorEnvelope' - type: object required: - error properties: error: allOf: - $ref: '#/components/schemas/PwsGeneralError' - type: object required: - status - code properties: status: type: integer format: int32 enum: - 503 code: type: string enum: - unavailable DeadlineExceededError: description: The upstream service did not complete the request before the deadline. allOf: - $ref: '#/components/schemas/PwsGeneralErrorEnvelope' - type: object required: - error properties: error: allOf: - $ref: '#/components/schemas/PwsGeneralError' - type: object required: - status - code properties: status: type: integer format: int32 enum: - 504 code: type: string enum: - deadline_exceeded UserId: type: string description: Canonical identifier for a user in the Payward public API. minLength: 14 maxLength: 42 HostedVerificationMethodsResult: title: Verification methods type: object additionalProperties: false properties: methods: $ref: '#/components/schemas/HostedVerificationMethods' required: - methods HostedVerificationNotRequiredResult: title: Not required type: object additionalProperties: false properties: not_required: type: object additionalProperties: false description: The user has no actionable KYC requirement. required: - not_required PwsValidationErrorEnvelope: description: Error envelope for request validation failures. type: object required: - error properties: error: $ref: '#/components/schemas/PwsValidationError' description: Validation error details. PwsValidationError: description: Standard PWS API error object for request validation failures. type: object required: - type - status - instance - code properties: type: description: Machine-readable error class. type: string status: description: HTTP status code returned for this error. type: integer format: int32 instance: description: Request identifier for this specific error occurrence. type: string code: description: Stable machine-readable error code. type: string doc_url: description: Optional link to documentation for this error. type: string format: uri causes: description: Validation failures that contributed to the error. type: array items: $ref: '#/components/schemas/PwsErrorCause' PwsGeneralErrorEnvelope: description: Error envelope for operational or domain failures. type: object required: - error properties: error: $ref: '#/components/schemas/PwsGeneralError' description: General error details. PwsGeneralError: description: Standard PWS API error object for non-validation failures. allOf: - $ref: '#/components/schemas/PwsErrorBase' - type: object properties: causes: description: Additional error details, when present. type: array items: type: object additionalProperties: true GatewayError: title: Gateway type: object required: - error properties: error: type: object required: - type - status - code properties: type: type: string const: service_error status: type: integer format: int32 const: 403 code: type: string const: gateway HostedVerificationMethods: oneOf: - $ref: '#/components/schemas/HostedVerificationWebOnlyMethods' - $ref: '#/components/schemas/HostedVerificationEmbeddedOnlyMethods' - $ref: '#/components/schemas/HostedVerificationWebAndEmbeddedMethods' PwsErrorCause: description: A single request validation failure. type: object required: - field - message properties: field: description: Dot-notation path to the offending request field. type: string message: description: Human-readable explanation of the failed validation rule. type: string PwsErrorBase: description: Common fields present on every PWS API error object. type: object required: - type - status - instance - code properties: type: description: Machine-readable error class. type: string status: description: HTTP status code returned for this error. type: integer format: int32 instance: description: Request identifier for this specific error occurrence. type: string code: description: Stable machine-readable error code. type: string doc_url: description: Optional link to documentation for this error. type: string format: uri HostedVerificationWebOnlyMethods: title: Web type: object additionalProperties: false properties: web: $ref: '#/components/schemas/HostedVerificationWebMethod' required: - web HostedVerificationEmbeddedOnlyMethods: title: Embedded type: object additionalProperties: false properties: embedded: $ref: '#/components/schemas/HostedVerificationEmbeddedMethod' required: - embedded HostedVerificationWebAndEmbeddedMethods: title: Web and embedded type: object additionalProperties: false properties: web: $ref: '#/components/schemas/HostedVerificationWebMethod' embedded: $ref: '#/components/schemas/HostedVerificationEmbeddedMethod' required: - web - embedded HostedVerificationWebMethod: type: object additionalProperties: false properties: url: type: string format: uri description: Expiring URL for the hosted verification UI. example: https://in.sumsub.com/websdk/pws-example expires_at: type: string format: date-time description: Time when the hosted URL expires. example: '2026-07-29T18:00:00.000Z' required: - url - expires_at HostedVerificationEmbeddedMethod: type: object additionalProperties: false properties: sumsub: $ref: '#/components/schemas/SumsubEmbeddedVerificationMethod' required: - sumsub SumsubEmbeddedVerificationMethod: type: object additionalProperties: false properties: access_token: type: string description: Expiring Sumsub SDK access token. user_id: $ref: '#/components/schemas/UserId' expires_at: type: string format: date-time description: Time when the embedded session expires. example: '2026-07-29T18:00:00.000Z' required: - access_token - user_id - expires_at headers: RequestId: description: >- Unique identifier for tracing this request across services. Include in support tickets. schema: type: string format: uuid example: 5f4d2a8e-91a4-4d6c-8a17-9b1e2c3f4a5b RateLimitLimit: description: Total requests allowed in the current window. schema: type: integer example: 1000 RateLimitRemaining: description: Requests remaining in the current window. schema: type: integer example: 955 RateLimitReset: description: Unix timestamp (seconds) when the rate-limit window resets. schema: type: integer format: int64 example: 1713182400 StrictTransportSecurity: description: >- Enforces HTTPS for the configured period. Always `max-age=63072000; includeSubDomains; preload`. schema: type: string example: max-age=63072000; includeSubDomains; preload XContentTypeOptions: description: Disables MIME sniffing. Always `nosniff`. schema: type: string enum: - nosniff example: nosniff ContentSecurityPolicy: description: >- Prevents embedding and resource loading. Always `default-src 'none'; frame-ancestors 'none'`. schema: type: string example: default-src 'none'; frame-ancestors 'none' CacheControl: description: Prevents caching of sensitive financial data. Always `no-store`. schema: type: string enum: - no-store example: no-store RetryAfter: description: Seconds the client should wait before retrying. schema: type: integer example: 30 securitySchemes: ApiKey: type: apiKey name: API-Key in: header description: Your public API key. Identifies the partner making the request. ApiSign: type: apiKey name: API-Sign in: header description: HMAC signature over the request, computed with your private key. ApiNonce: type: apiKey name: API-Nonce in: header description: Monotonically increasing nonce included in the request signature. ````