Create Identity Verification Challenge

Creates a knowledge-based identity verification challenge for a user. Returns three multiple-choice questions derived from the user's profile (name, date of birth), linked account masks, and qualifying wallet transactions. The user must have a complete profile with name and date of birth before a challenge can be generated.

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

Request

Base URL
https://merchant-api.accruesavings.com
Auth
none declared. Required headers: Client-ID, Authorization
TypeScript
https://skmtc.dev/byaccrue/apis/accrue-merchant-api/docs/api/v1/users/:userIdentifier/identity-verification/challenges/post.ts
A function with typed inputs. Its response is checked against the schema.

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

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

Response

Challenge created successfully.

Example response

{
  "data": {
    "attributes": {
      "challengeId": "123e4567-e89b-12d3-a456-426614174000",
      "expiresAt": "2026-06-17T12:30:00.000Z",
      "questions": [
        {
          "id": "q_4e8d9f0a",
          "prompt": "What is your full name?",
          "options": [
            {
              "id": "opt_7f3a2b1c",
              "label": "Jane Doe"
            }
          ]
        }
      ]
    }
  }
}

Changes

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