BYbyaccrue
Identity Verification

Submit Identity Verification Challenge

Submits answers for an active challenge. Each challenge allows up to three submission attempts. When all answers are correct, the response includes a single-use verificationToken that can be used to apply a verified profile update within 10 minutes.

post/api/v1/users/:userIdentifier/identity-verification/challenges/:challengeId/submissions

Request

Path parameters

userIdentifierstring required

Accrue userId or merchant userReference (externalUserId / stableExternalUserId). Accrue resolves the identifier automatically against active wallets for your merchant.

Example:merchant-user-42
challengeIdstring uuid required

The challenge ID returned from the create challenge endpoint.

Example:123e4567-e89b-12d3-a456-426614174000

Headers

Client-IDstring uuid required

The unique identifier of the client making the request. This header is required to retrieve the client-specific configuration and ensure that the response is tailored to the client's settings and permissions.

Example:123e4567-e89b-12d3-a456-426614174000
Authorizationstring uuid required

Secure secret to access privileged endpoints.

Example:Bearer 633b336e4f57f095a405f6685e208cc7dd16de3e82494662f2acfeec3af1cdef

Request body

Example request

{
  "data": {
    "attributes": {
      "answers": [
        {
          "questionId": "q_4e8d9f0a",
          "optionId": "opt_7f3a2b1c"
        }
      ]
    }
  }
}

Response

Submission processed. Check passed to determine whether a verification token was issued.

Example response

{
  "data": {
    "attributes": {
      "passed": true,
      "verificationToken": "pvt_a1b2c3d4e5f6789012345678901234567890abcdef1234567890abcdef123456",
      "expiresAt": "2026-06-17T12:40:00.000Z",
      "failureReason": "IncorrectAnswer"
    }
  }
}

Changes

No recorded changes to this operation across all 1 revision of this API.