Urgent Compliance Updates

These compliance updates take effect on October 15, 2025 and require action across your customer onboarding and terms of service flows.

TL;DR

• New terms of service available (breaking changes)
• Customer creation updates (breaking changes)

New terms of service version available

All your customers will be required to accept the new version of our terms of service. This is necessary to allow BlindPay to issue virtual accounts, create wallets and process payments on behalf of them.

Every time you try to create a quote, an error message please_accept_terms_of_service will show up. When you see that, you should pop up the terms of service link and make your customer accept. Consult the terms of service guide for integration details.

You will also receive updated tos.accept webhook events—review the webhook documentation to handle them correctly.

Customer creation updates

The following fields are now updated:

• The fields phone_number and selfie_file are now mandatory for individuals. This is necessary because our US banking partner will require them in the future, so we're already anticipating this.
• The field individual_holding_doc_front_file is deprecated for enhanced KYC because of the addition of selfie_file.
• The field website is now mandatory for businesses.
• The prohibited and high-risk countries list was updated. All customers from high-risk countries must go through enhanced KYC verification.
• We're adding new fraud checks when analyzing customer data. If the KYC is rejected, you'll see details in fraud_warnings.

Update your onboarding forms and validation logic ahead of the deadline to avoid interruptions.