Eligibility & Terms

CoverPay requires users to pass eligibility verification and accept legal terms before accessing BNPL. This ensures regulatory compliance and reduces fraud across all providers.

Eligibility Pipeline

Every user must pass 5 sequential checks. If any check fails, the remaining checks are skipped and the failure reason is returned.

Age 18+

US Residency

KYC Approved

Sanctions Clear

Terms Accepted

Checking Eligibility

POST/v1/checkout/verify-eligibility

{
  "userId": "usr_123",
  "amount": 15000
}

Response:

{
  "eligible": false,
  "failureReasons": ["KYC_NOT_STARTED"],
  "checks": {
    "age": { "passed": true },
    "residency": { "passed": true },
    "kyc": { "passed": false, "reason": "KYC_NOT_STARTED" },
    "sanctions": { "skipped": true },
    "terms": { "skipped": true }
  }
}

Failure Codes

Code	Check	Description	Recommended Action
`UNDER_18`	Age	User is under 18 years old	Show age restriction message
`DATE_OF_BIRTH_MISSING`	Age	No date of birth on file	Prompt user to update profile
`NON_US_RESIDENT`	Residency	User is not a US resident	Show US-only restriction message
`KYC_NOT_STARTED`	KYC	Identity verification not started	Redirect to KYC onboarding flow
`KYC_PENDING`	KYC	Verification is in progress	Show "check back later" message
`KYC_REJECTED`	KYC	Verification was rejected	Offer to contact support
`KYC_EXPIRED`	KYC	Verification has expired	Prompt re-verification
`SANCTIONS_FLAGGED`	Sanctions	User is on a sanctions list	Block access, log for compliance
`TERMS_NOT_ACCEPTED`	Terms	Legal terms not yet accepted	Present terms acceptance UI
`USER_NOT_FOUND`	N/A	Invalid user ID provided	Check the userId parameter

Terms Acceptance

Users must accept 4 legal documents before using BNPL. You can either use CoverPay Link's built-in terms UI, or build your own and call the API.

Required Documents

User Agreementcoverpayme.com/legal/user-agreement

Privacy Policycoverpayme.com/legal/privacy

Regulatory Disclosurescoverpayme.com/legal/regulatory

Third-Party Transaction Disclosurescoverpayme.com/legal/third-party

Recording Acceptance

POST/v1/checkout/accept-terms

{
  "userId": "usr_123",
  "documents": [
    "user_agreement",
    "privacy_policy",
    "regulatory_disclosures",
    "third_party_disclosures"
  ]
}

CoverPay Link handles terms automatically

If you use CoverPay Link (the drop-in checkout), terms acceptance is built into the flow. First-time users see the terms UI automatically. You only need the API if building a custom UI.

API Reference →Error Handling →