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This page shows what a user sees in the widget and which webhook each stage sends to your backend. API integrations go through the same stages, but on your own screens.

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Stages

1

Sign up

The user enters an email and phone number, and verifies them with a one-time code. The customer is created as UNVERIFIED.
2

KYC

The user enters personal details, uploads an identity document and takes a selfie. The customer moves to PROCESSING, then VERIFIED or FAILED. Your backend gets a CUSTOMER webhook. Try the India KYC demo.
3

Link a bank account (payouts)

The user adds a bank account or a UPI ID. Zapyd verifies it, and your backend gets a BANK webhook with VERIFIED or FAILED.
4

Transact

The user picks buy or sell, sees a live rate, confirms a quote, and pays. Your backend gets PAYIN or PAYOUT webhooks until the order is final.

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What your backend sees

Widget payouts can also show PENDING while the widget waits for the user’s crypto transfer. See Status reference for every status and the action to take.

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Returning users

A VERIFIED user skips sign-up and KYC. For payouts they also need a VERIFIED bank account. Otherwise they go straight to the transaction screen.