The ultimate payor object

An ultimate payor is the business one of your sub-clients pays on behalf of. You register it once for that sub-client. Kira screens it against anti-money-laundering lists, and you name it on every payout the sub-client makes on its behalf. A sub-client has to hold the pobo capability before it can have an ultimate payor. Request a capability is how it gets one.

Example

{
  "id": "b6f1c1a4-0c57-4a51-9d0f-6d2b3c1e9a10",
  "legal_name": "Acme Holdings LLC",
  "city": "New York",
  "country": "USA",
  "sub_client_id": "aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee",
  "status": "verified",
  "created_at": "2026-10-08T12:00:00.000Z",
  "updated_at": "2026-10-08T12:00:00.000Z"
}

Fields

Field	Type	Description
`id`	string, uuid	The payor’s identifier. Send it as `ultimate_payor_id` on a payout made on its behalf.
`legal_name`	string	The payor’s legal name.
`city`	string	The city the payor is based in.
`country`	string	The payor’s country, as an upper-case ISO 3166-1 alpha-3 code.
`sub_client_id`	string, uuid	The `user_id` of the sub-client that pays on this payor’s behalf.
`status`	string or `null`	The status of the payor’s screening. `null` when the payor has no screening. Values
`created_at`	string, date-time	When the payor was registered, ISO 8601.
`updated_at`	string, date-time	When the payor itself last changed, ISO 8601. A new screening status does not change it.

How a payor clears

The screening starts when you create the payor, and it finishes after that call has returned.

Create an ultimate payor. The answer carries the payor’s id and its first status: verifying when the check started, failed when it could not start.
Read status with Get an ultimate payor until it reaches a verdict. No webhook reports the screening.
Make the payout on the payor’s behalf once status is verified. While it holds any other value, a payout naming the payor is refused.

A verified payor can still become rejected later, so a payor that cleared once is not cleared for good. Payouts naming it are refused from then on.

Across the API

Authentication

Versioning

Users

Virtual Accounts

Recipients

Quotations

Payouts

Ultimate Payors

Capabilities

Catalogs

RFIs

The ultimate payor object

Example

Fields

How a payor clears

​Example

​Fields

​How a payor clears

Example

Fields

How a payor clears