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Before you can process payments or issue virtual bank accounts, you must complete merchant onboarding. Onboarding verifies your business details and lets Dubu Pay comply with financial regulations. Once your application is approved, all payment and trading features become available on your account.

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How onboarding works

The process has five stages: create an application, upload supporting documents, update any missing details, then submit for review. Dubu Pay’s team reviews your submission and notifies you of the outcome.
1

Create your application

Start by creating an onboarding application. You must provide your country (US or NG) and your business type.Nigeria (NG) business types: non_registered, business_name, registered_company, incorporated_trusteeUnited States (US) business types: sole_proprietor, llc, corporation, nonprofit
curl -X POST https://api.dubupay.com/api/v1/onboarding \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "country": "NG",
    "business_type": "registered_company"
  }'
A successful request returns your application object with a status of draft.
{
  "success": true,
  "data": {
    "id": "app_01HXK...",
    "status": "draft",
    "country": "NG",
    "business_type": "registered_company",
    "created_at": "2026-05-21T10:00:00.000Z"
  }
}
2

Upload supporting documents

Upload the documents required for your business type. Each file must be a PDF, JPG, JPEG, or PNG and must not exceed 10 MB. Send the file as multipart/form-data using the file field, and include a document_type describing what the document is (for example, certificate_of_incorporation, utility_bill, id_card).
curl -X POST https://api.dubupay.com/api/v1/onboarding/documents/upload \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -F "file=@/path/to/certificate.pdf" \
  -F "document_type=certificate_of_incorporation"
Accepted formats are PDF, JPG, JPEG, and PNG. Files larger than 10 MB are rejected. Make sure documents are legible and unobscured before uploading.
You can view all uploaded documents at any time:
curl https://api.dubupay.com/api/v1/onboarding/documents \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN"
To remove a document, pass its ID to the delete endpoint:
curl -X DELETE https://api.dubupay.com/api/v1/onboarding/documents/DOC_ID \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN"
3

Update your application details

After creating your application, fill in the remaining business details using PUT /onboarding. All fields are optional in a single update — send only what you want to change.
FieldTypeDescription
business_namestringLegal name of your business
business_addressstringRegistered business address
business_phonestringBusiness contact phone number
business_emailstringBusiness contact email address
employee_countstringNumber of employees
registration_numberstringOfficial registration or incorporation number
tax_numberstringTax identification number
website_urlstringYour business website URL
social_media_urlstringBusiness social media profile URL
descriptionstringShort description of your business
curl -X PUT https://api.dubupay.com/api/v1/onboarding \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "business_name": "Acme Stores Ltd",
    "business_address": "14 Marina Street, Lagos, Nigeria",
    "business_phone": "+2348012345678",
    "business_email": "finance@acmestores.ng",
    "registration_number": "RC1234567",
    "website_url": "https://acmestores.ng"
  }'
4

Submit for review

Once your application details are complete and your documents are uploaded, submit the application. You cannot make further changes after submission.
curl -X POST https://api.dubupay.com/api/v1/onboarding/submit \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN"
Submitting your application is final. Double-check all business details and ensure every required document has been uploaded before calling this endpoint.

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Check your application status

You can retrieve your current application at any time with GET /onboarding. Use this to monitor the review progress after submission. 
curl https://api.dubupay.com/api/v1/onboarding \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN"
The status field progresses through the following values:
StatusMeaning
draftApplication created but not yet submitted
under_reviewSubmitted and being reviewed by Dubu Pay
approvedOnboarding complete — full API access enabled
rejectedApplication was not approved — see the rejection_reason field

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After approval

Once your application status changes to approved, all payment processing features are unlocked on your account. If your application is rejected, the response includes a rejection_reason explaining what needs to be corrected. You can update your application and resubmit.
Complete KYC verification after onboarding to raise your transaction limits. See the KYC guide for details.