Create applicant action

Table of contents

Overview

Use this method to create an applicant action for a certain applicant with the required steps configured in the specified verification level.

You can create an applicant action to check:

Additionally, you can enable auto-parser to search for a matching transaction in a bank statement.

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Attention

If you specify a check in the request body parameters, make sure it is also set as a required step in the verification level.

For example, if you add the email string to the request but do not include it as a required step in the specified level, the request will proceed without checking the email.

Auto-parser for bank statement transactions

The system can automatically search for a matching transaction in a bank statement (PDF or screenshot) uploaded by an applicant as proof of account or payment. The search is based on transaction details that you provide via API when creating an applicant action.

How it works

The auto-parser works as follows:

  1. You submit transaction data in paymentSource.checksum.txns (see the auto-parsing request example).
  2. The applicant uploads a bank statement (PDF or screenshot) as proof of account or payment.
  3. The system automatically searches the statement for a matching transaction.

📘

Note

If you submit an empty paymentSource.checksum.txns array, no check will be performed.

How to enable

To enable this functionality, submit transaction data in paymentSource.checksum.txns. Matching is performed using the following parameters from your API request:

  • date — transaction date.
  • amount — transaction amount.
  • currencyCode — currency code of the transaction.

How to view results

The results of the automatic parsing are displayed in the Dashboard as cross-check indicators:

  • Green — a matching transaction was found.
  • Red — no matching transaction was found or the values do not match.

Specifics of questionnaire action

If you want to include the answers to your questionnaire into the action request, add the questionnaire properties to the body parameters. The questionnaire object should be added to the questionnaires array (see the example below).

Questionnaire object example:

{
  "id": "Example_Questionnaire",
  "sections": {
    "section_id_1": { // Section ID
      "items": {
        "item_id_0": { // Item ID
          "values": [ // Item values
            "EUR",
            "USD"
          ]
        },
        "item_id_1": { // Item ID
          "value": "String Value", // Item values, string
        }
      }
    },
    "section_id_2": { // Section ID
      "items": {
        "item_id_3": { // Item ID
          "value": null // Item values, null
        }
      }
    }
  }
}

Request examples

curl -X POST \     'https://api.sumsub.com/resources/applicantActions/-/forApplicant/63e096c51b6b4030f2e01154?levelName=some-level-name' \
     -H 'Content-Type: application/json' \
     -d '{
          "externalActionId": "yourActionId",
          "email": "[email protected]",
          "phone": "+49 123456789"
        }'
curl -X POST \    'https://api.sumsub.com/resources/applicantActions/-/forApplicant/63e096c51b6b4030f2e01154/?levelName=action%20paymentSource%20level-name' \
    -H 'content-type: application/json' \
    -d '{
          "paymentSource": {
            "fixedInfo": {
              "accountIdentifier": "XXX000333",
              "email": "[email protected]",
              "fullName": "John Doe",
              "type": "bankCard",
              "institutionName": "someBank"
            }
          },
          "externalActionId": "yourActionId"
        }'
curl -X POST \
    'https://api.sumsub.com/resources/applicantActions/-/forApplicant/63e096c51b6b4030f2e01154/?levelName=action%20paymentSource%20level-name' \
    -H 'content-type: application/json' \
    -d '{
          "paymentSource": {
            "fixedInfo": {
              "type": "bankStatement"
            },
            "checksum": {
              "txns": [
                {
                  "date": "2024-01-23 23:00:00",
                  "amount": 9.99,
                  "currencyCode": "USD"
                },
                {
                  "date": "2024-01-22 23:00:00",
                  "amount": 10.00,
                  "currencyCode": "USD"
                },
                {
                  "date": "2023-08-08 23:00:00",
                  "amount": 15.00,
                  "currencyCode": "USD"
                }
              ]
            }
          },
          "externalActionId": "123"
        }'
curl -X POST \     'https://api.sumsub.com/resources/applicantActions/-/forApplicant/63e096c51b6b4030f2e01154?levelName=questionnaire-level' \
     -H 'Content-Type: application/json' \
     -d '{
          "questionnaires": [
            {
              "id": "Example_Questionnaire",
              "sections": {
                "section_id_1": { // Section ID
                  "items": {
                    "item_id_0": { // Item ID
                      "values": [ // Item values
                        "EUR",
                        "USD"
                      ]
                    },
                    "item_id_1": { // Item ID
                      "value": "String Value", // Item values, string
                    }
                  }
                },
                "section_id_2": { // Section ID
                  "items": {
                    "item_id_3": { // Item ID
                      "value": null // Item values, null
                    }
                  }
                }
              }
            }
          ],
          "externalActionId": "yourActionId",
          "email": "[email protected]",
          "phone": "+49 123456789"
        }'

Response explained

The response is a JSON file that represents the structured information of the created action. You can see the response structure and possible content with descriptions on the following page.

Response example

{
  "id": "6855288fd81d19bd5d6065e9",
  "createdAt": "2025-06-20 09:23:27",
  "clientId": "your_cool_id",
  "externalActionId": "yourActionId",
  "applicantId": "63e096c51b6b4030f2e01154",
  "type": "paymentMethod",
  "review": {
    "reviewId": "oaEgS",
    "attemptId": "UHQzN",
    "attemptCnt": 0,
    "levelName": "paymentSource",
    "createDate": "2025-06-20 09:23:27+0000",
    "reviewStatus": "init"
  },
  "requiredIdDocs": {
    "docSets": [
      {
        "idDocSetType": "PAYMENT_METHODS",
        "types": [
          "PAYMENT_SOURCE"
        ]
      }
    ]
  },
  "paymentSource": {
    "id": "b50c1d57-f603-480f-ae34-e9372d75612d",
    "createdAt": "2025-06-20 09:23:27",
    "fixedInfo": {
      "type": "bankCard",
      "institutionName": "cool_institution_name",
      "institutionNameEn": {
        "value": "cool_institution_name",
        "originalValue": null
      },
      "fullName": "John Doe",
      "fullNameEn": {
        "value": "John Doe",
        "originalValue": null
      },
      "accountIdentifier": "XXX000333"
    }
  }
}
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