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Business onboarding

Overview

The Atelio platform provides the ability for you to have a Business as a Customer to whom you can provide financial services, such as cards. You do so by creating a business resource.

A business must comprise at least one Beneficial Owner that you add to the Business resource.

In many ways the business is treated as an entity in the same way as a regular customer is treated, but the verification check used for a business is a KYB process which is also performed as part of the credit application submission. Running this process validates the legal business entity itself, but each Beneficial Owner also needs to be verified using the KYC process.

Onboarding process

To bring a business on board, you need to:

  1. Create a Business using the business' information.
  2. Create one or more Beneficial Owners for the business. If the business fails the KYB, you cannot provide them with a card.

Supported operations

You can use the Business API endpoints to perform the following operations to create and manage businesses on the Atelio platform.

Businesses

Business addresses

Beneficial owners

Beneficial owner addresses

Manage businesses

To manage a business, use the following endpoints:

Create a business

After your business enters its information, you'll see that a Business resource has been created. This Business resource gives you a way to reference and call business accounts, and to facilitate account management.

To create an instance of a business object, use the CreateBusiness endpoint. The following request creates a new business with the details, including the tax ID (EIN), business name, contact info, address, and beneficial owners.

Example request

curl --request POST \
--url https://sandbox.atelio.com/api/v0.1/businesses \
--header 'Accept: application/json' \
--header 'Authorization: YOUR_API_KEY' \
--header 'Content-Type: application/json' \
--header 'Identity: YOUR_IDENTITY' \
--data '{
"ein": "12-1234567",
"legal_business_name": "John Doe Business Corporation",
"dba_business_name": "John'\''s",
"business_type": "cooperative",
"date_established": "2020-01-01T00:00:00.000Z",
"phone": "+14157485052",
"email": "info@business.com",
"website": "www.business.com",
"industry_type": "Financial",
"number_of_employees": "0-50",
"addresses": [
{
"address_type": "MAILING",
"street": "345 California Ave.",
"street2": "Suite 600",
"city": "San Francisco",
"state": "CA",
"zip_code": "12345-1234",
"country": "US",
"is_primary": true
}
],
"beneficial_owners": [
{
"dob": "1980-04-04",
"first_name": "John",
"middle_name": "O'\''Shea",
"last_name": "Doe",
"addresses": [
{
"address_type": "MAILING",
"street": "345 California Ave.",
"street2": "Suite 600",
"city": "San Francisco",
"state": "CA",
"zip_code": "12345-1234",
"country": "US",
"is_primary": true
}
]
}
]
}'

Example response

Upon success, Atelio returns a 201 status including the created business object and unique IDs assigned to the business, addresses, and beneficial owners.

JSON

{
"addresses": [
{
"address_id": "12348579-5d05-4e3e-a5e3-e61e3a5b1234",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
},
{
"address_id": "67898579-5d05-6789-a5e3-e61e3a5b6789",
"address_type": "PHYSICAL",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": false,
"state": "CA",
"street": "123 California Ave.",
"street2": "Suite 100",
"zip_code": "12345-1234"
}
],
"beneficial_owners": [
{
"addresses": [
{
"address_id": "12347777-5d05-4e3e-a5e3-e61e3a5b7777",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}
],
"beneficial_owner_id": "45628579-5d05-4562-a5e3-e61e3a5b4562",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dob": "1970-12-12",
"first_name": "James",
"last_name": "Bond"
},
{
"addresses": [
{
"address_id": "88887777-5d05-4e3e-a5e3-e61e88887777",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}
],
"beneficial_owner_id": "12345678-5d05-4562-a5e3-e61e12345678",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dob": "1980-04-04",
"first_name": "Le",
"last_name": "Chiffre"
}
],
"business_id": "96df8579-5d05-4e3e-a5e3-e61e3a5bdb38",
"business_type": "limited_liability_company",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dba_business_name": "World Domination Inc.",
"ein": "12-1234567",
"email": "user@example.com",
"industry_type": "Financial",
"kyb_status": "approved",
"legal_business_name": "World Domination Inc.",
"number_of_employees": "0-50",
"phone": "+14085557788",
"website": "https://www.specter.com"
}

Required Parameters for Business Creation

When creating a business, the following parameters are required:

ParameterTypeDescription
einstringUnique type of tax identification number used to identify the business with the IRS, for example 12-1234599.
legal_business_namestringFreeform, alphanumeric, legal name of the business.
industry_typestringMust be one of: Technology, Finance, Banking, and Insurance, E-Commerce and Retail, Transportation, Real Estate and Construction, Other.

Delete a business

To delete a business, use the DeleteBusiness endpoint, as shown in the following example.

Example request

DeleteBusiness

curl --request DELETE \
--url https://sandbox.atelio.com/api/v0.1/businesses/68954424-a754-4919-9aab-3dfc613b0a1f \
--header 'Identity: <YOUR_IDENTITY>' \
--header 'Authorization: <YOUR_AUTHORIZATION>' \

Update a business

To update a business, use the UpdateBusiness endpoint and provide the relevant, optional parameters that you want to update, as shown in the following table.

ParameterTypeDescription
einstringUnique type of tax identification number used to identify the business with the IRS, for example 12-1234599.
legal_business_namestringFreeform, alphanumeric, legal name of the business.
dba_business_namestringFreeform, alphanumeric, doing-business-as name (trade name).
business_typestringSelect one of: cooperative, limited_liability_company, sole_proprietorship, partnership, limited_partnership, corporation, nonprofit_organization.
date_establisheddateDate of incorporation in YYYY-MM-DD format, for example 2021-06-28.
phonestringFreeform number, for example 01-324-5556684.
emailstringBusiness contact email, for example jim_smith@acme.com.
websitestringThe official website, for example www.acme.com.
industry_typestringMust be one of: Technology, Finance, Banking, and Insurance, E-Commerce and Retail, Transportation, Real Estate and Construction, Other.

An example of a request to update a business_type to cooperative is shown below.

Example request

UpdateBusiness

curl --request PATCH \
--url https://sandbox.atelio.com/api/v0.1/businesses/5e9d3360-c788-435e-9488-949c446639d9 \
--header 'Accept: application/json' \
--header 'Authorization: <YOUR_AUTHENTICATION>' \
--header 'Content-Type: application/json' \
--header 'Identity: <YOUR_IDENTITY>' \
--data @- <<EOF
{
"ein": "12-1234567",
"legal_business_name": "John Doe Business Corporation",
"dba_business_name": "John's",
"business_type": "limited_liability_company",
"date_established": "2020-01-01T00:00:00.000Z",
"phone": "+14157485052",
"email": "info@business.com",
"website": "www.business.com",
"industry_type": "Technology"
}
EOF

Example response

Below is an example of a successful response to a request to update the business type to limited_liability_company.

JSON

{
"addresses": [
{
"address_id": "12348579-5d05-4e3e-a5e3-e61e3a5b1234",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
},
{
"address_id": "67898579-5d05-6789-a5e3-e61e3a5b6789",
"address_type": "PHYSICAL",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": false,
"state": "CA",
"street": "123 California Ave.",
"street2": "Suite 100",
"zip_code": "12345-1234"
}
],
"beneficial_owners": [
{
"addresses": [
{
"address_id": "12347777-5d05-4e3e-a5e3-e61e3a5b7777",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}
],
"beneficial_owner_id": "45628579-5d05-4562-a5e3-e61e3a5b4562",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dob": "1970-12-12",
"first_name": "James",
"last_name": "Atelio"
},
{
"addresses": [
{
"address_id": "88887777-5d05-4e3e-a5e3-e61e88887777",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}
],
"beneficial_owner_id": "12345678-5d05-4562-a5e3-e61e12345678",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dob": "1980-04-04",
"first_name": "Le",
"last_name": "Chiffre"
}
],
"business_id": "96df8579-5d05-4e3e-a5e3-e61e3a5bdb38",
"business_type": "limited_liability_company",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dba_business_name": "World Domination Inc.",
"ein": "12-1234567",
"email": "user@example.com",
"industry_type": "Technology",
"kyb_status": "approved",
"legal_business_name": "World Domination Inc.",
"phone": "+14085557788",
"website": "https://www.specter.com"
}

For a complete specification and interactive examples, see Update a business in the Atelio API Reference.

Retrieve businesses

Use the Business API to retrieve business information using optional query parameters or a single business by their business_id.

Retrieve all businesses

To retrieve all businesses, use the GetAllBusinesses endpoint with no other parameters, as shown in the following example.

You can also filter businesses by various parameters, including KYB status.

Example request

curl --request GET \
--url https://sandbox.atelio.com/api/v0.1/businesses \
--header 'Identity: <YOUR_IDENTITY>' \
--header 'Authorization: <YOUR_AUTHORIZATION>' \

Valid values for kyb_status are:

ValueDescription
approvedReturns businesses that have passed KYB verification.
errorReturns businesses that contain an error in their KYB verification.
initiatedReturns businesses where KYB verification has been started.
rejectedReturns businesses that have failed KYB verification.
under+reviewReturns businesses that require manual review.
warningReturns businesses that have a warning in their verification.

The KYB status filter works with both Persona and Middesk KYB verification providers.

Example response

The following JSON is an example of a successful request to retrieve all businesses.

{
"addresses": [
{
"address_id": "12348579-5d05-4e3e-a5e3-e61e3a5b1234",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
},
{
"address_id": "67898579-5d05-6789-a5e3-e61e3a5b6789",
"address_type": "PHYSICAL",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": false,
"state": "CA",
"street": "123 California Ave.",
"street2": "Suite 100",
"zip_code": "12345-1234"
}
],
"beneficial_owners": [
{
"addresses": [
{
"address_id": "12347777-5d05-4e3e-a5e3-e61e3a5b7777",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}
],
"beneficial_owner_id": "45628579-5d05-4562-a5e3-e61e3a5b4562",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dob": "1970-12-12",
"first_name": "James",
"last_name": "Atelio"
},
{
"addresses": [
{
"address_id": "88887777-5d05-4e3e-a5e3-e61e3a5b88887777",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}
],
"beneficial_owner_id": "12345678-5d05-4562-a5e3-e61e12345678",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dob": "1980-04-04",
"first_name": "Le",
"last_name": "Chiffre"
}
],
"business_id": "96df8579-5d05-4e3e-a5e3-e61e3a5bdb38",
"business_type": "limited_liability_company",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dba_business_name": "World Domination Inc.",
"ein": "12-1234567",
"email": "user@example.com",
"industry_type": "Financial",
"kyb_status": "approved",
"legal_business_name": "World Domination Inc.",
"phone": "+14085557788",
"website": "https://www.specter.com"
}

Retrieve a single business

To retrieve a single business, use the GetBusiness endpoint, as shown in the following example.

Example request

curl --request GET \
--url https://sandbox.atelio.com/api/v0.1/businesses/5e9d3360-c788-435e-9488-949c446639d9 \
--header 'Identity: <YOUR_IDENTITY>' \
--header 'Authorization: <YOUR_AUTHORIZATION>' \

Example response

The following JSON is an example of a response to a successful request to retrieve a business.

{
"addresses": [
{
"address_id": "12348579-5d05-4e3e-a5e3-e61e3a5b1234",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
},
{
"address_id": "67898579-5d05-6789-a5e3-e61e3a5b6789",
"address_type": "PHYSICAL",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": false,
"state": "CA",
"street": "123 California Ave.",
"street2": "Suite 100",
"zip_code": "12345-1234"
}
],
"beneficial_owners": [
{
"addresses": [
{
"address_id": "12347777-5d05-4e3e-a5e3-e61e3a5b7777",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}
],
"beneficial_owner_id": "45628579-5d05-4562-a5e3-e61e3a5b4562",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dob": "1970-12-12",
"first_name": "James",
"last_name": "Atelio"
},
{
"addresses": [
{
"address_id": "88887777-5d05-4e3e-a5e3-e61e88887777",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}
],
"beneficial_owner_id": "12345678-5d05-4562-a5e3-e61e12345678",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dob": "1980-04-04",
"first_name": "Le",
"last_name": "Chiffre"
}
],
"business_id": "96df8579-5d05-4e3e-a5e3-e61e3a5bdb38",
"business_type": "limited_liability_company",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"dba_business_name": "World Domination Inc.",
"ein": "12-1234567",
"email": "user@example.com",
"industry_type": "Financial",
"kyb_status": "approved",
"legal_business_name": "World Domination Inc.",
"phone": "+14085557788",
"website": "https://www.specter.com"
}

Manage business addresses

To manage business addresses, use the following:

Create a business address

To create a business address, use the CreateBusinessAddress endpoint and provide parameters as shown in the following table.

ParameterRequiredTypeDescription
address_typeYesstringMAILING or PHYSICAL
streetYesstringBusiness' street, between 8 and 30 characters. May contain only alphanumeric characters and . , _ - #
street2stringSecond line for the business' address; must be between 3 and 20 characters.
cityYesstringBusiness' city; maximum of 20 characters.
stateYesstringFor U.S. states: must use the 2-letter state code
For non-U.S.: maximum of 20 characters.
zip_codeYesstringFor U.S.: must be a 5-digit or hyphenated 9-digit zip code.
For non-US: must be between 2 and 20 characters.
countryYesstringBusiness' country code in ISO 3166-1 alpha 2 format.
is_primaryYesbooleanIs this the business' primary address; either true or false.

The following is an example of a request to create a business address.

Example request

curl --request POST \
--url https://sandbox.atelio.com/api/v0.1/businesses/002e0f0e-e39d-4351-876c-afcad30d9c37/addresses \
--header 'Authorization: <YOUR_AUTHORIZATION>' \
--header 'Content-Type: application/json' \
--header 'Identity: <YOUR_IDENTITY>' \
--data '
{
"address_type": "PHYSICAL",
"street": "345 Dan Diego Ave.",
"street2": "Suite 111",
"city": "San Francisco",
"state": "CA",
"zip_code": "12345-1234",
"country": "US",
"is_primary": false
}

Example response

The following JSON is an example of a response to a successful request to create a business address.

{
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}

Retrieve all business addresses

To retrieve all business addresses, use the RetrieveAllBusinessAddresses endpoint, as in the following example.

Example request

curl --request GET \
--url https://sandbox.atelio.com/api/v0.1/businesses/002e0f0e-e39d-4351-876c-afcad30d9c37/addresses \
--header 'Authorization: <YOUR_AUTHORIZATION>' \
--header 'Identity: <YOUR_IDENTITY>'

Example response

The following JSON is an example of a response to a successful request to retrieve all business addresses.

{
"data": [
{
"address_id": "12348579-5d05-4e3e-a5e3-e61e3a5b1234",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
},
{
"address_id": "67898579-5d05-6789-a5e3-e61e3a5b6789",
"address_type": "PHYSICAL",
"city": "San Francisco",
"country": "US",
"date_created": "2019-08-24T14:15:22Z",
"date_updated": "2019-08-24T14:15:22Z",
"is_primary": false,
"state": "CA",
"street": "123 California Ave.",
"street2": "Suite 100",
"zip_code": "12345-1234"
}
],
"page_info": {
"page": 1,
"page_size": 2,
"pages": 1
}
}

Example request for a single business address

To retrieve a single business address, use the GetBusinessAddress endpoint, as in the following example.

curl --request GET \
--url https://sandbox.atelio.com/api/v0.1/businesses/002e0f0e-e39d-4351-876c-afcad30d9c37/addresses/12348579-5d05-4e3e-a5e3-e61e3a5b1234 \
--header 'Authorization: <YOUR_AUTHORIZATION>' \
--header 'Identity: <YOUR_IDENTITY>'

Update a business address

To update a business address, use the UpdateBusinessAddress endpoint and provide the parameters that you want to update, as in the following table.

ParameterRequiredType.Description
address_typeYesstringEither MAILING or PHYSICAL
streetYesstringBusiness' street, between 8 and 30 characters. May contain only alphanumeric characters and . , _ - #
street2stringSecond line for the business' address; must be between 3 and 20 characters.
cityYesstringBusiness' city; maximum of 20 characters.
stateYesstringFor U.S. states: must use the 2-letter state code
For non-U.S.: maximum of 20 characters.
zip_codeYesstringFor U.S.: must be a 5-digit or hyphenated 9-digit zip code.
For non-US: must be between 2 and 20 characters.
countryYesstringBusiness' country code in ISO 3166-1 alpha 2 format.
is_primaryYesbooleanIs this the business' primary address; either true or false.

The following cURL is an example of a request to update a business address.

Example request

curl --request PATCH \
--url https://sandbox.atelio.com/api/v0.1/businesses/002e0f0e-e39d-4351-876c-afcad30d9c37/addresses/12348579-5d05-4e3e-a5e3-e61e3a5b1234 \
--header 'Authorization: <YOUR_AUTHORIZATION>' \
--header 'Content-Type: application/json' \
--header 'Identity: <YOUR_IDENTITY>' \
--data '
{
"address_type": "MAILING",
"street": "345 Michigan Ave.",
"street2": "Suite 1345",
"city": "San Francisco",
"state": "CA",
"zip_code": "12345-1234",
"country": "US",
"is_primary": false
}

Example response

The follosing JSON is an example of a response to a successful request to update a business address.

{
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}

Delete a business address

To delete a business address, use the DeleteBusinessAddress endpoint, as in the following cURL example.

Example request

curl --request DELETE \
--url https://sandbox.atelio.com/api/v0.1/businesses/002e0f0e-e39d-4351-876c-afcad30d9c37/addresses/12348579-5d05-4e3e-a5e3-e61e3a5b1234 \
--header 'Authorization: <YOUR_AUTHORIZATION>' \
--header 'Identity: <YOUR_IDENTITY>'

Example responses

The following JSON is an example response to a successful request to delete a business address.

{
"address_id": "12348579-5d05-4e3e-a5e3-e61e3a5b1234",
"address_type": "MAILING",
"city": "San Francisco",
"country": "US",
"date_created": "2019-07-24T14:15:22Z",
"date_deleted": "2019-08-24T14:15:22Z",
"is_primary": true,
"state": "CA",
"street": "345 California Ave.",
"street2": "Suite 600",
"zip_code": "12345-1234"
}

If you try to delete a primary business address, the following JSON is an example of a response to a failed request:

{
"Message": "A business must have atleast one active address",
"Status": 400,
"Code": "business_address_del_err",
"Type": "Request Error"
}