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Getting an individual from “verified” to “can receive bank money” involves a step you could not see until Finance API 1.7.0. Once identity verification has cleared and the customer has accepted the partner terms, their verified data is relayed to our banking partner, which runs its own recipient checks before it will issue bank details or accept a pay-out destination for them. Until 1.7.0 that step was invisible: it started the first time you tried to provision, and you learned about it only when the call failed with 409 partner-onboarding-pending. It is now a readable — and startable — resource of its own.

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The three gates, side by side

They are independent. A party can be VERIFIED, have ACCEPTED the terms, and still be PENDING here.

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Reading the status

Response (200)
Reading never triggers anything. The same value is cached on the party as partnerOnboardingStatus, so a plain Get a party shows it too.

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Starting it early

Rather than letting the first virtual-bank-account call kick onboarding off and fail, start it as soon as the party is verified:
The call is asynchronous — it answers 202 with the current status, normally PENDING — and idempotent while onboarding is PENDING or APPROVED. Poll the read endpoint for the outcome. Provisioning a virtual bank account after APPROVED then succeeds first time.
REJECTED is not a dead end. Calling POST again re-attempts onboarding, so if the underlying reason has been resolved — corrected details, a re-run verification — you can retry without involving Venly.

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Preconditions

The request is refused with a retryable 409 until the party qualifies: And with a terminal 400 party-type-not-supported if the party is an ORGANISATION: partner onboarding is individual-scoped.

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Where it fits in the flow

Front-load all three while your customer is still in your onboarding UI. Verification and consent need the customer present; partner onboarding does not, so start it the moment verification clears and it will usually be APPROVED before the customer asks for bank details.

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Next steps

Partner-terms consent

The gate that comes just before this one.

Virtual bank accounts

The first thing partner onboarding unblocks.

Troubleshooting verification

The retryable / terminal split across every onboarding error.

Onboarding lifecycle

All the states, from a new party to an account that can move money.