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POST
/
v1
/
business
/
verification
Verify business
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    workflow_key: 'business_verification_default',
    legal_name: 'Acme Corporation',
    region: 'DE',
    reference_id: 'biz_12345',
    ein: '12-3456789',
    entity_type: 'llc',
    registration_jurisdiction: 'US-CA',
    formation_jurisdiction: 'US-DE',
    formation_date: '2020-05-15',
    address_line_1: '123 Business Blvd',
    address_line_2: 'Suite 100',
    city: 'Wilmington',
    postal_code: '19801',
    country: 'US',
    phone_number: '+15551234567',
    email: 'contact@acme.com',
    website: 'https://acme.com',
    associates: [
      {
        first_name: 'Jane',
        last_name: 'Smith',
        date_of_birth: '1985-05-20',
        ssn: '987-65-4321',
        address_line_1: '123 Main St',
        city: 'San Francisco',
        region: 'CA',
        postal_code: '94102',
        user_id: '123e4567-e89b-12d3-a456-426614174000',
        middle_name: 'M',
        email: 'jane.smith@example.com',
        phone_number: '+15559876543',
        address_line_2: 'Suite 100',
        country: 'US',
        ownership_percentage: 50,
        title: 'CEO'
      }
    ],
    metadata: {external_id: 'biz_789', source: 'onboarding_flow'}
  })
};

fetch('https://api.getpalm.com/v1/business/verification', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));
{
  "verification_id": "550e8400-e29b-41d4-a716-446655440000",
  "business_id": "bus_abc123",
  "status": "completed",
  "risk": {
    "level": "low",
    "reasons": [
      "Active UCC lien detected: $500,000 secured by Wells Fargo Bank",
      "Tax lien filed in Delaware: $25,000 owed to IRS",
      "Associate Jane Smith failed identity verification",
      "EIN issued less than 90 days ago",
      "Multiple bankruptcy filings in formation jurisdiction"
    ]
  },
  "match": {
    "legal_name": "match",
    "ein": "match",
    "entity_type": "match",
    "registration_jurisdiction": "match",
    "formation_jurisdiction": "match",
    "formation_date": "match",
    "address_line_1": "match",
    "address_line_2": "match",
    "city": "match",
    "region": "match",
    "postal_code": "match"
  },
  "created_at": "2025-10-24T10:30:00Z",
  "reference_id": "biz_12345",
  "associates": [
    {
      "user_id": "550e8400-e29b-41d4-a716-446655440000",
      "verification_id": "660f9511-f30c-52e5-b827-557766551111",
      "status": "completed",
      "risk": {
        "level": "low",
        "reasons": [
          "SSN first seen recently in bureau data",
          "Address mismatch detected",
          "High velocity on phone number (5 applications in 24 hours)",
          "Device fingerprint associated with known fraud",
          "Synthetic identity indicators detected with 85% confidence"
        ]
      },
      "match": {
        "first_name": "match",
        "last_name": "match",
        "middle_name": "match",
        "date_of_birth": "match",
        "ssn": "match",
        "email": "match",
        "phone_number": "match",
        "address_line_1": "match",
        "address_line_2": "match",
        "city": "match",
        "region": "match",
        "postal_code": "match"
      },
      "created_at": "2025-10-24T10:30:00Z",
      "reference_id": "user_12345",
      "synthetic": {
        "is_synthetic": false,
        "confidence_score": 15,
        "indicators": [
          "SSN issued after applicant date of birth",
          "Credit file recently established"
        ]
      },
      "velocity": {
        "email": 1,
        "phone": 2,
        "ssn": 1,
        "address": 3
      },
      "device": {
        "risk_score": 10,
        "is_emulator": false,
        "is_vpn": false,
        "is_proxy": false
      },
      "watchlist": {
        "status": "clear",
        "matches": [
          {
            "type": "sanctions",
            "name": "ofac_sdn",
            "confidence_score": 85
          }
        ]
      },
      "updated_at": "2025-10-24T10:35:00Z"
    }
  ],
  "updated_at": "2025-10-24T10:35:00Z"
}

Authorizations

​
Authorization
string
header
required

Enter your API key in the format: sk_test_xxxxx or sk_live_xxxxx

Body

application/json
​
workflow_key
string
default:business_verification_default
required

Workflow key to use for verification (determines required fields)

Pattern: ^[a-z0-9_]+$
Example:

"business_verification_default"

​
legal_name
string
required

Legal business name

Example:

"Acme Corporation"

​
region
string
required

Region (state/province/county)

Example:

"DE"

​
reference_id
string

Your reference ID for tracking

Example:

"biz_12345"

​
ein
string

Employer Identification Number

Example:

"12-3456789"

​
entity_type
enum<string>

Entity type

Available options:
llc,
corporation,
lp,
llp,
nonprofit,
other
Example:

"llc"

​
registration_jurisdiction
string

Registration jurisdiction in ISO 3166-2 format (e.g., US-CA, US-NY, US-TX)

Example:

"US-CA"

​
formation_jurisdiction
string

Formation jurisdiction in ISO 3166-2 format (e.g., US-DE, US-CA, US-WY)

Example:

"US-DE"

​
formation_date
string<date>

Formation date (YYYY-MM-DD)

Example:

"2020-05-15"

​
address_line_1
string

Street address line 1

Example:

"123 Business Blvd"

​
address_line_2
string

Street address line 2

Example:

"Suite 100"

​
city
string

City

Example:

"Wilmington"

​
postal_code
string

Postal code

Example:

"19801"

​
country
string

Country (2-letter ISO code)

Example:

"US"

​
phone_number
string

Business phone number

Example:

"+15551234567"

​
email
string

Business email address

Example:

"contact@acme.com"

​
website
string

Business website URL

Example:

"https://acme.com"

​
associates
object[]

Associated people to verify

​
metadata
object

Custom metadata

Example:
{
  "external_id": "biz_789",
  "source": "onboarding_flow"
}

Response

Verification completed

​
verification_id
string<uuid>
required

Unique verification ID

Example:

"550e8400-e29b-41d4-a716-446655440000"

​
business_id
string
required

ID of the business entity created or verified

Example:

"bus_abc123"

​
status
enum<string>
required

Current status of the verification

Available options:
pending,
in_progress,
completed,
failed
Example:

"completed"

​
risk
object
required

Business risk assessment with level and detailed reasons

​
match
object
required

Field-level match results (only fields included in verification request)

​
created_at
string<date-time>
required

ISO 8601 timestamp of when the verification was created

Example:

"2025-10-24T10:30:00Z"

​
reference_id
string

Your reference ID (if provided in request)

Example:

"biz_12345"

​
associates
object[]

Associated people verification results (full KYC results for each associate)

​
updated_at
string<date-time>

ISO 8601 timestamp of when the verification was last updated

Example:

"2025-10-24T10:35:00Z"