> For the complete documentation index, see [llms.txt](https://kreatorverse-2.gitbook.io/kollect-documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://kreatorverse-2.gitbook.io/kollect-documentation/introduction/getting-started.md).
# Getting Started
Before calling the S2S API in production, complete the checklist below. Missing steps are the most common cause of `401`, `400`, or payee-configuration errors.
***
## Prerequisites
| Requirement | Why it matters |
| ----------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **KYB-verified merchant account** | Required Kollect Registered ([login](https://kollect-stage.kreatorverse.com/login)/[signup](https://kollect-stage.kreatorverse.com/signup)) Merchant with status `KybVerified`. [Check status](https://kollect-stage.kreatorverse.com/profile) |
| **KYB verification documents** |
Have these ready before onboarding; exact requirements vary by country. Company — Business registration proof, incorporation certificate plus registry extract (required) • Address proof, dated within 3 months (required) • FI registration proof (only if you are a regulated financial institution) Every 25%+ beneficial owner (UBO) — Identity document, type varies by country (required) • Source-of-funds document (if under 25 or over 60, PEP, or high-risk country) • PEP questionnaire, a declaration rather than a file (only if PEP status is declared) • Verification report (optional) Payout beneficiaries — Identity document, varies by country and payment method (conditional) • Purpose-of-payment document (optional) Also collected as form fields: business description, website, employee count, expected volumes, and source of funds.
|
| **API key and secret** | Required for `POST /sdk/server/create-payment`. Create credentials through the product flows that issue access tokens ([Click here](https://kollect-stage.kreatorverse.com/profile), navigate to API section and generate API and secret key). |
| **Merchant Custodial Wallet** | Payout initiation resolves the payee from the merchant **form** or **user** record. Without a deposit address, payment creation can fail with a mapped business error. |
| **HTTPS webhook URL (recommended)** | For production, expose a stable URL that accepts POST JSON, [click here](https://kollect-stage.kreatorverse.com/profile), navigate webhook and expose endpoints. |
***
## Configuration checklist
{% stepper %}
{% step %}
### Complete Onboarding.
* [Login](https://kollect-stage.kreatorverse.com/login) / [Signup](https://kollect-stage.kreatorverse.com/signup) to kreatorverse.com.
* Fill onboarding form.
* Connect existing wallet or create new with privy.
* Wait for KYB Verification.
* Get KybVerified Status and Admin access.
Fill onboarding form
Business details and the verification documents are captured on the same screen. The documents panel shows which uploads are `REQUIRED`, which apply `IF APPLICABLE`, and which are requested only `SOMETIMES` — the exact set depends on your jurisdiction and business type. All four required documents must be uploaded before **Proceed** submits the form.
{% endstep %}
{% step %}
### Proceed for Credential Generation
* `Navigate API section, Generate API key and secret key.`
* `Activate your API.`
{% endstep %}
{% step %}
### Register your webhook (optional but typical)
* `Expose your receiving webhook url, select scope "invoice_settlement", and generate the webhook signing secret.`
* `Test your webhook endpoint using the test-delivery button.`
{% endstep %}
{% step %}
### Implement request signing
* Follow [Request signing (HMAC)](/kollect-documentation/security/request-signing.md).
* Use the **raw request body** bytes for the body hash.
{% endstep %}
{% step %}
### Implement idempotency
* Send a unique `X-Idempotency-Key` per logical checkout or order.
* See [Idempotency](/kollect-documentation/security/idempotency.md).
{% endstep %}
{% step %}
### Call the API
* Use [Create payment URL](/kollect-documentation/api-reference/create-payment.md).
* Deliver `paymentUrl` to your customer.
{% endstep %}
{% endstepper %}
***
## Base URL
See [Base URL & environments](/kollect-documentation/api-reference.md) for further API reference.
***
## Related pages
* [Authentication overview](/kollect-documentation/security.md)
* [Testing & sandbox](/kollect-documentation/guides/testing-and-sandbox.md)
* [Payment lifecycle](/kollect-documentation/introduction/architecture-and-data-flow.md)
