openapi: 3.2.0 info: title: BILL v3 Risk Verifications API description: BILL is a cloud-based financial operations platform for an organization's accounts payable (AP), accounts receivable (AR), and spend & expense (S&E) automation. version: '1' servers: - url: https://gateway.stage.bill.com/connect description: sandbox tags: - name: risk-verifications paths: /v3/risk-verifications: get: tags: - risk-verifications summary: Get risk verification details description: Get risk verification details for an existing organization. operationId: getRiskVerifications parameters: - name: sessionId in: header schema: type: - string - 'null' description: API session ID generated with `/v3/login` example: '{{session_id}}' - name: devKey in: header schema: type: - string - 'null' description: Developer key generated with your BILL developer account example: '{{developer_key}}' responses: '200': description: Get risk verification details response content: application/json: schema: $ref: '#/components/schemas/VerificationResponseDto' 4XX: description: List of errors. content: application/json: schema: type: array items: $ref: '#/components/schemas/BdcError' 5XX: description: List of errors. content: application/json: schema: type: array items: $ref: '#/components/schemas/BdcError' post: tags: - risk-verifications summary: Initiate risk verification for an organization description: 'Initiate risk verification for an organization. The currently signed-in user must have the `ADMINISTRATOR` user role in the BILL organization to perform this operation. **Note**: You must add a phone number for the signed-in user (with `POST /v3/risk-verifications/phone`) before you can initiate risk verification. BILL partners must add a phone number for a created user with `POST /v3/partner/risk-verifications/{userId}/phone`. As a BILL partner, when you create an organization and then create a user for that organization, it is important that you initiate risk verification with `POST /v3/risk-verifications`. BILL performs a KYC/KYB (Know You Customer/Know Your Business) check based on the provided organization information. BILL sends an email notification for risk verification. When the check is complete, BILL approves the organization for BILL AP and AR operations.' operationId: initiateRiskVerifications parameters: - name: sessionId in: header schema: type: - string - 'null' description: API session ID generated with `/v3/login` example: '{{session_id}}' - name: devKey in: header schema: type: - string - 'null' description: Developer key generated with your BILL developer account example: '{{developer_key}}' responses: '200': description: Initiate risk verification for an organization response content: application/json: schema: $ref: '#/components/schemas/VerificationResponseDto' 4XX: description: List of errors. content: application/json: schema: type: array items: $ref: '#/components/schemas/BdcError' 5XX: description: List of errors. content: application/json: schema: type: array items: $ref: '#/components/schemas/BdcError' /v3/risk-verifications/phone: get: tags: - risk-verifications summary: Get phone status for risk verification description: 'Check whether a phone number has been added for the currently signed-in user. BILL requires the signed-in user to have a linked phone number for initiating risk verification for the organization. In the response, if `hasPhone` is `false`, you can add a phone number for the user with `POST /v3/risk-verifications/phone`. After you add a phone number, you can initiate risk verification for the organization with `POST /v3/risk-verifications`.' operationId: getRiskVerificationPhone parameters: - name: sessionId in: header schema: type: - string - 'null' description: API session ID generated with `/v3/login` example: '{{session_id}}' - name: devKey in: header schema: type: - string - 'null' description: Developer key generated with your BILL developer account example: '{{developer_key}}' responses: '200': description: Get phone status for risk verification response content: application/json: schema: $ref: '#/components/schemas/GetPhoneStatusResponseDto' 4XX: description: List of errors. content: application/json: schema: type: array items: $ref: '#/components/schemas/BdcError' 5XX: description: List of errors. content: application/json: schema: type: array items: $ref: '#/components/schemas/BdcError' post: tags: - risk-verifications summary: Add phone for risk verification description: 'Add a phone number for the currently signed-in user. BILL requires the signed-in user to have a linked phone number for initiating risk verification for the organization. You can check whether a phone number has been added for the user with `GET /v3/risk-verifications/phone`. After you add a phone number with this endpoint, you can initiate risk verification for the organization with `POST /v3/risk-verifications`.' operationId: createRiskVerificationPhone parameters: - name: sessionId in: header schema: type: - string - 'null' description: API session ID generated with `/v3/login` example: '{{session_id}}' - name: devKey in: header schema: type: - string - 'null' description: Developer key generated with your BILL developer account example: '{{developer_key}}' requestBody: content: application/json: schema: $ref: '#/components/schemas/PhoneVerificationRequestDto' required: true responses: '200': description: Add phone for risk verification response 4XX: description: List of errors. content: application/json: schema: type: array items: $ref: '#/components/schemas/BdcError' 5XX: description: List of errors. content: application/json: schema: type: array items: $ref: '#/components/schemas/BdcError' components: schemas: GetPhoneStatusResponseDto: type: object properties: hasPhone: type: boolean description: Set as `true` if the user has an existing phone number for risk verification description: Get phone status response. Severity: type: string enum: - ERROR - WARNING - INFORMATION PhoneType: type: string description: Enum for phone type. enum: - MOBILE - HOME PhoneVerificationRequestDto: required: - phoneNumber - phoneType type: object properties: phoneNumber: pattern: (\d{10}$) type: string description: Phone number phoneType: allOf: - $ref: '#/components/schemas/PhoneType' - description: Phone type description: Add a phone number for risk verification example: phoneNumber: '{{user_phone_no}}' phoneType: MOBILE BdcError: required: - category - code - severity - timestamp type: object properties: timestamp: type: string format: date-time code: type: string severity: $ref: '#/components/schemas/Severity' category: $ref: '#/components/schemas/Category' message: type: string params: type: array items: $ref: '#/components/schemas/Param' detail: type: string help: type: string Param: required: - name - value type: object properties: additional: type: object additionalProperties: type: string name: minLength: 1 type: string value: minLength: 1 type: string VerificationProcessingStatus: type: string description: Enum for risk verification processing status. enum: - IN_PROGRESS - COMPLETED VerificationResponseDto: type: object properties: processingStatus: allOf: - $ref: '#/components/schemas/VerificationProcessingStatus' - description: Risk verification processing status. decision: allOf: - $ref: '#/components/schemas/VerificationDecisionType' - description: Risk verification decision. See [Users for BILL partners](https://developer.bill.com/docs/partner-users) to learn more about the `decision` values. referenceId: type: string description: BILL-generated ID to uniquely identify the risk verification request for the organization description: Risk verification response. Category: type: string enum: - REQUEST - APPLICATION - SERVER - DOWNSTREAM VerificationDecisionType: type: string description: Enum for Risk verification decision. enum: - APPROVE - REVIEW - HOLD - DECLINE - PENDING - IN_PROGRESS x-provenance: method: searched source: https://developer.bill.com/reference harvested: '2026-10-14' tool: harvest-readme-openapi.py note: Assembled verbatim from the OpenAPI definition ReadMe embeds in each operation page of the provider's developer portal; paths and components merged by API title, nothing authored. assembled_from: - https://developer.bill.com/reference/acceptinvitation.md - https://developer.bill.com/reference/addreimbursementreceipt.md - https://developer.bill.com/reference/addtransactionreceipt.md - https://developer.bill.com/reference/approveordenyreimbursement.md - https://developer.bill.com/reference/archivebankaccount.md - https://developer.bill.com/reference/archivebankaccountuser.md - https://developer.bill.com/reference/archivebill.md - 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