KYC in Mexico

Galileo clients who operate in Mexico and who have chosen Galileo as their BIN sponsor have special KYC requirements, different from the requirements in the United States and Canada. This page explains how to meet those requirements on the Galileo platform.

Enrollment fields

We have added these fields to accommodate Mexico KYC requirements. You can find these new input parameters as follows:

• Create Account
• Update Account

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Note

As input parameters for the API, these fields are optional by default, but you can set the PINED parameter to make some or all of them required for Create Account and Update Account. Making these fields required is obligatory only when Galileo is your BIN sponsor.

Using the ID fields

Mexican clients can pass up to four official identifiers in the Create Account endpoint:

• id
• id2
• id3
• curp

These idTypes are specific to Mexico. You may use other idTypes, as appropriate:

• 6 — Matrícula Consular number
• 16 — RFC tax ID
• 17 — INE number

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Note

For all Mexico-specific identifiers, Galileo validates the input according to the regex, but Galileo does not contact the issuing authority to verify that the ID corresponds to the applicant. Clients are responsible for performing that type of verification before calling Create Account.

See Using the id and idType parameters for the rules that apply to id and id2. The id3 field has most of the same usage rules as id2. In summary:

Because Galileo does not use any of the ID fields to conduct KYC/CIP when it is the BIN sponsor, you can decide which ID to put in each ID field. Galileo strongly recommends that you be consistent. For example, you might decide to populate the ID fields like this:

By passing the same ID types in the same fields with each endpoint call, the Galileo database will be consistently populated.

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Note

Because you are not using Galileo's integrated KYC process, make sure there is no value set for VALID or VLDLV; otherwise, you must populate id with unique values.

Creating accounts

Only the Create Account endpoint has the Mexico-specific parameters for input. The other enrollment endpoints (Start Enrollment, Create Virtual Card Account) do not have them. You can update these parameters with the Update Account endpoint.

To enroll a new customer with the Program API, follow the instructions in Creating an Account with these differences:

• The "Create Account using Galileo CIP" workflow is not valid for your use case; instead, consult Create Account using your own CIP.
• Use these new Parameters as follows: