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Overview

Accounts represent customer entities, linking to users, transactions and the underlying multi-currency bank accounts. API credentials and users can link to multiple accounts. Successfully onboarding an account with Hubpay requires completing a sequence of API requests, as outlined below.

Onboarding flow​

Steps​

Step 1: Create the account​

Create the customer account by providing key details. On success, the response includes an id for the account which is required in all subsequent steps.

See Create account for details.

Step 2: Update business profile​

Complete the business profile with details about the business — legal type, industry, address, financial information, and more. The profile is validated for eligibility automatically.

caution

If the business is not eligible (e.g. not incorporated in the UAE), the application is rejected at this stage. Ensure the business details are correct before submitting — rejected applications cannot be updated via the API.

See Update business profile for details.

Step 3: Upload business documents​

Provide the required supporting documents (e.g. trade license, memorandum of association). Use the Get Document Requirements API to see which documents are needed for the account.

Documents go through automated validation and may require acknowledgement if warnings are found. See Business document requirements and Document statuses for details.

Add details and documents for individuals and corporate entities related to the business.

  • Persons — shareholders, directors, and authorised signatories. See Related persons for details.
  • Corporates — parent companies or subsidiaries. See Related corporates for details.

Step 5: Confirm submission​

Submit the account for review. This signals that all necessary details and documentation have been captured.

See Confirm submission for details.

Step 6: Add users​

Once the application is approved, add users to the account. Each user is assigned a role that determines their level of access.

See Users for details.

What happens after submission​

After you confirm the submission (Step 5), the application enters review:

OutcomeWhat happens
ApprovedThe account is approved. You can now add users (Step 6). Once fully set up, the account becomes active and can transact.

| Rejected | The application was not accepted. Contact support for further details. A new account must be created to retry. |

Webhooks​

Subscribe to onboarding webhooks to get notified in real-time as the account and its documents move through the lifecycle — instead of polling the API for status changes.

See the Webhooks overview to get started with webhook registration.