Verification modes

DPay Web EID offers four mode values for a verification session. The appropriate mode depends on your business scenario.

Mode comparison

Customer

Your server

DPay HUB

Provider

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POST/api/v1/verifications→Complete session creation contract for each mode: single, sequential, pool and dynamic.Full contract in the API Reference GET/api/v1/providers→Available providers for the provider and providers fields.Full contract in the API Reference

Allowed purpose × mode combinations

Purpose	single	sequential	pool	dynamic
identity_verification	Yes	Yes	Yes	No
account_data	Yes	Yes	No	Yes
activation_payment	Yes	No	No	No
account_ownership	Yes	No	No	No

Purposes without a provider field

For activation_payment and account_ownership you do not send provider - the hub picks the provider from the purpose. Details: Payment and account confirmation.

Automatic mode selection

For purpose=account_data with bank_selection=user_driven (or when it is omitted), the mode is automatically set to dynamic.

Single mode (default)

One verification provider: the simplest scenario. It is ideal when you know in advance which method you want to use.

curl -X POST https://hub.dpay.pl/api/v1/verifications \
  -H "Authorization: Bearer deid_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{"provider": "bank_transfer"}'

Required field: provider

Sequential mode (multi-step)

Multi-step verification in which the user completes each step in sequence. Use it when you need stronger verification by combining several methods.

curl -X POST https://hub.dpay.pl/api/v1/verifications \
  -H "Authorization: Bearer deid_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "mode": "sequential",
    "steps": [
      {"provider": "bank_transfer"},
      {"provider": "mobywatel"}
    ]
  }'

Required field: steps (an array of 2-10 objects)

The response includes these additional fields:

• current_step - the current step number
• total_steps - the total number of steps
• steps - an array of VerificationStep objects with individual statuses

Pool mode (user choice)

The user selects one of the available verification methods on the HUB page. This mode provides the best UX when you want to give the customer a choice.

curl -X POST https://hub.dpay.pl/api/v1/verifications \
  -H "Authorization: Bearer deid_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "mode": "pool",
    "providers": ["bank_transfer", "mobywatel", "demo"]
  }'

Required field: providers (an array of 2-10 strings)

The response includes an allowed_providers field with the providers from which the user can choose.

Dynamic mode (AIS/PSD2)

This mode is designed for account data access. The user can dynamically add more banks during the session.

curl -X POST https://hub.dpay.pl/api/v1/verifications \
  -H "Authorization: Bearer deid_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "purpose": "account_data",
    "provider": "ais_psd2",
    "bank_selection": "user_driven",
    "max_banks": 5,
    "min_banks": 1
  }'

Required field: provider (must be ais_psd2)

Dynamic-mode parameters

Parameter	Type	Default	Description
bank_selection	string	user_driven	fixed (specified in advance) or user_driven (the customer selects banks)
max_banks	integer	10	Maximum number of banks (1-20)
min_banks	integer	1	Minimum number of banks (1-20)

The response includes these additional fields:

• bank_selection_mode - the bank selection mode
• max_banks / min_banks - bank limits
• banks_connected - the number of banks already connected
• current_step / total_steps / steps - step state, where each bank is one step

Which mode should I use?

Scenario	Recommended mode
Customer onboarding with identity verification	single (bank_transfer or mobywatel)
Enhanced KYC with two verification sources	sequential
Let the customer choose a method	pool
Retrieve transaction history from multiple banks	dynamic (ais_psd2)