Start from the step that matches your Reap integration model.Clients using Reap APIs for user onboarding, identity verification, and account creation must begin with “Connect the account”.Clients whose users and accounts have already been onboarded and provisioned through an approved external flow may begin with “Enrol the card”.
Connect the account
For Reap API onboarding clients
External clients skip this step and begin at Enrol the card
For Reap API onboarding clients
External clients skip this step and begin at Enrol the card
The user signs in to an existing account or creates and verifies a new one directly in the chat.
- Your application registers the user with
POST /users/ - Your application advances identity verification with
POST /users/id/applicationusing the method configured on your project - Reap reports each status change through the
user-application-status-updatedwebhook - Your application creates the account with
POST /accounts/once the status reachesAPPROVED
Enrol the card
The user enrols the card once on a secure card surface so every purchase pays with a single use token instead of the card number.
- Your application starts enrolment with
POST /agentic/enrolmentsand receives the secure surface session - Reap stores the card in a PCI compliant vault and provisions a network token
Create the passkey
The user creates the payment passkey inside the same secure surface session and setup is complete.
- Reap binds the passkey to the user device inside the same session so no separate tokenise or passkey endpoint exists
- Reap confirms the finished setup through the
enrolment-completedwebhook - One biometric tap now approves each future purchase and the card network recognises the passkey as the user proof of consent
Card programmes
Reap programme cards enrol with an existing card ID. BIN sponsorship clients with no Reap card object use the same secure passthrough where the PAN travels from the cardholder to the vault and never touches Reap or the agent.
Next steps
Make a one time purchase
Run the first purchase from quote to verified order