Carousel PortalThe Carousel Portal — workflows, applications, and settings in one workspace.

Carousel is a modular platform that simplifies how businesses collect, verify, and process applicant data — turning complex workflows into intuitive digital flows.

You choose the steps that matter for your decision. Applicants complete them in one guided flow on their phone. Results arrive in the Portal, and optionally in your own systems, as structured data.

What it replaces

• PDF forms and email attachments
• Separate vendor portals for identity, banking, and credit
• Manual re-keying of applicant data
• Chasing missing documents before review can start

Mix any of these steps into a single flow. Each is verified at the source and billed only when an applicant completes it.

How it works

1. The applicant photographs the front and back of a government-issued ID.
2. A liveness selfie is captured and matched against the document portrait.
3. Fields are extracted and returned as structured data.

What it returns

• Full name, date of birth, gender
• Document number, type, and issuing province or country
• Date of issue and expiry
• Front and back images, stored as signed URLs

At a glance

Provider

Onfido / Ondato

Billing

Per completed step

Most other steps can require identity verification first, so the result is tied to a verified person rather than a typed-in name.

How it works

1. The applicant logs into their bank in a secure window.
2. Accounts are confirmed and transaction history is retrieved.
3. Income and cash-flow insights are generated from the raw transactions.

What it returns

• Account ownership and institution
• Balances and account numbers (masked)
• Income estimates and transaction categories
• Rule-engine outcomes where configured

At a glance

Provider

Plaid / Flinks

Billing

Per completed step

Credentials are never seen or stored by Carousel or by your business. Where a bank is unsupported, a document-upload fallback can be enabled.

How it works

1. Consent language is presented and accepted as part of the step.
2. The bureau is queried against the verified identity.
3. The report is attached to the application.

What it returns

• Score and score factors
• Tradelines and balances
• Inquiries and public records

At a glance

Provider

TransUnion / Equifax · Experian coming soon

Billing

Per completed step

Requires first

Identity verification

This step normally requires identity verification first. Soft or hard pull depends on your bureau agreement.

How it works

1. The verified name and date of birth are submitted for search.
2. Jurisdictional sources are queried.
3. Findings are returned with source and date.

What it returns

• Matches with offence, jurisdiction, and date
• A clear result where nothing is found

At a glance

Provider

Fastkey / Checkr

Billing

Per completed step

Requires first

Identity verification

Turnaround is usually seconds but can take minutes where a manual court search is required.

How it works

1. The verified identity is searched against court and tribunal sources.
2. Filings are matched and returned with case references.

What it returns

• Court filings and dispositions
• Tenancy tribunal history, including eviction filings
• Case numbers and dates

At a glance

Provider

OpenRoom / SOQUIJ / TAL / Checkr

Billing

Per completed step

Requires first

Identity verification

Coverage varies by province. Quebec results come from SOQUIJ and the TAL.

How it works

1. Upload or select the document template in the Portal.
2. The applicant reviews and signs on their phone.
3. The executed copy is stored with the application.

What it returns

• The signed PDF
• Signer identity, timestamp, and IP
• Audit trail of views and actions

At a glance

Provider

PandaDoc

Billing

Per completed step

Signed documents are included in the PDF export of the application.

How it works

1. Configure what you are asking for and whether it is required.
2. The applicant uploads a file or types an answer in the flow.

What it returns

• Uploaded files, stored as signed URLs
• Typed answers as structured fields

At a glance

Provider

Carousel

Billing

Per completed step

Useful for a void cheque, a letter of employment, or a photo of an asset.

How it works

1. The amount is configured on the step.
2. The applicant pays by card in the flow.
3. The receipt is attached to the application.

What it returns

• Payment status and amount
• Stripe payment reference
• Receipt for the applicant

At a glance

Provider

Stripe

Billing

Per completed step

In an applicant-paid workflow this step prepays every verification in the flow. Refunds are handled per Request a refund.

How it works

1. The applicant enters the legal entity details.
2. Registries are queried for standing and ownership.
3. Beneficial owners can be pushed through identity verification.

What it returns

• Legal name, number, and jurisdiction
• Registration status and incorporation date
• Directors and beneficial owners

At a glance

Provider

Carousel

Billing

Per completed step

Pair with identity verification on the signing officer for a complete file.

How it works

1. Alternative data sources are queried where bureau history is limited.
2. A usable creditworthiness picture is assembled from what exists.

What it returns

• Alternative score or risk band
• Contributing data sources

At a glance

Provider

Carousel

Billing

Per completed step

Most useful for newcomers, students, and applicants without a Canadian bureau history.

How it works

1. The verified identity is screened against sanctions and AML watchlists.
2. Any hits are returned with the list and match confidence.

What it returns

• Watchlist matches with source and confidence
• PEP status
• A clear result where nothing is found

At a glance

Provider

Sanction Scanner

Billing

Per completed step

Requires first

Identity verification

The result and its timestamp are recorded for audit.

How it works

1. Build the question set in the Portal.
2. Add conditions so later questions depend on earlier answers.
3. Answers arrive as fields on the application.

What it returns

• Question id, text, and answer for every question
• Branch taken, where conditions applied

At a glance

Provider

Carousel built-in

Billing

Per completed step

Answers appear in the webhook payload under the Custom Questionnaire step.

How it works

1. Define the statement the applicant must attest to.
2. The applicant accepts it in the flow.

What it returns

• The statement text as presented
• Acceptance, timestamp, and IP

At a glance

Provider

Carousel

Billing

Per completed step

Use where a formal signature is unnecessary but a record is required.

Carousel replaces the patchwork of PDF forms, email attachments, and vendor portals with a single applicant-facing flow. Your team assembles the steps; Carousel handles the verification, the applicant experience, and the delivery of a finished file.

What changes for your team

• Files arrive complete — identity, income, records, and signatures already verified.
• Nothing is re-keyed. Every result is structured data, not an attachment.
• Reviewers spend their time on decisions instead of chasing documents.

The two sides

For your team is the Portal — building workflows and reviewing what comes back. For applicants is the flow itself, on their phone. This guide covers the first; see For applicants for the second.

Carousel PortalWorkflows — view, create, share, preview, and disable every flow.

Three areas

1. Workflows — build, preview, share, and disable every flow.
2. Applications — the shared queue of everything applicants have submitted.
3. Settings — branding, team access, and integrations.

Getting around

• The icon rail on the left switches areas.
• Search finds an applicant by name, phone, or application ID.
• Filters narrow the queue by workflow, stage, status, or assignee.

Carousel PortalThe drag-and-drop workflow builder — Available Tools on the left, your flow on the right.

Build it in the Portal

1. Log in to the Carousel Portal.
2. Navigate to Dashboard → Workflows → Create New Workflow.
3. Use the drag-and-drop builder to assemble your flow from the available steps.
4. Customize and white-label the workflow — branding, copy, and step order.

Choose what each step requires

Every step can be marked as requiring manual approval before the flow continues, or left to complete automatically. Some steps have prerequisites — a credit check, for example, requires identity verification first.

Decide who pays

A workflow is either business-paid, where you cover the verification costs, or applicant-paid, where the applicant prepays and owns their verified profile. See Pricing and usage.

What you can include

A workflow is assembled from the steps below. Mix and match whatever your application needs — each step links to more detail.

Send the results onward

Add a CRM Integration step at the end to post the finished file to your own system as JSON. See the Webhook guide.

Carousel PortalWorkflows — view, create, share, preview, and disable every flow.

The Workflows list shows each flow you have built, whether it is active, and how many applications it has produced.

What you can do from the list

• Preview — walk through the flow exactly as an applicant would.
• Share — copy the link or grab the embed code.
• Duplicate — spin up a variant without rebuilding it.
• Disable — stop accepting new applications without deleting history.

Carousel PortalThe share dialog — general link, personal share link, tenancy link, and default language.

Three ways to share

1. General link — one URL for everyone; best for a website button or campaign.
2. Share link — attributed to a specific team member, so submissions arrive assigned.
3. Embed — the flow inside a page on your own site.

Direct links are recommended over embedding. See Direct link or embed for the tradeoffs and code.

Language

Each workflow has a default language (EN or FR). Applicants can switch, but the link opens in the default you set.

Carousel PortalManage All Applications — every submission across every workflow.

Applications lists every submission across every workflow, newest first.

Columns

• Name and phone number of the applicant.
• Stage — the step-by-step progress icons.
• Assignee — who owns the file.
• Lead origin — which link or workflow it came from.
• Last updated and Status.

Finding a file

Search by name, phone, or application ID; filter by workflow, stage, status, or assignee. See Stages & statuses for how to read each row.

Statuses

• In progress — the applicant has started but not finished.
• Completed — every required step is done; the file is ready to review.
• Processing — a provider is still returning a result.
• Timed out — a step took too long and can be reprocessed.
• Cancelled — the application was abandoned or withdrawn.

Stage icons

Each row shows one icon per step in the workflow, in order. A filled icon means the step completed; an outlined icon means it has not run yet.

Carousel PortalA submission in review — every step, verification output, and document in one place.

Open any submission to see each step’s result in the order the applicant completed it, with the underlying documents attached. There are no tabs to reconcile and nothing to download separately.

What a reviewer sees

• Verified identity fields, with the ID images.
• Bank-linked income and transaction insight.
• Credit, background, and court results where configured.
• Signed documents and questionnaire answers.

Acting on it

Approve, decline, or request more information. Where a step needed manual approval, the decision is recorded against that step. Export the file with Export as PDF.

Carousel PortalThe application ⋮ menu — Export as PDF sits here.

Any completed submission exports as a single PDF containing every verified result and document, suitable for a credit file, an investor, or an audit.

What the export includes

• A cover summary of the applicant and workflow.
• Each step’s result in order, with timestamps.
• Attached documents and signatures.

Invite someone

1. Open Settings → Team.
2. Click Add Team Member and enter their work email.
3. Assign a role, then send the invite.

Roles

• Admin — full access, including billing and integrations.
• Reviewer — sees the queue and reviews submissions.
• Builder — creates and edits workflows.

Access is enforced per workspace with role-based access control and token-based authentication. See the Developer FAQ for the security detail.

Workflows

Can I change a workflow after it is live? Yes. Edits apply to new applications; in-flight ones keep the version they started.

Can I preview a flow before sharing it? Yes — preview walks through it exactly as an applicant would see it.

Access

Can two teams share a workspace? Yes, with roles scoped per member.

Can I restrict who sees submissions? Yes — reviewers only see the queue, not billing or integrations.

Branding

Can I white-label the flow? Yes — your logo and brand colours on the applicant experience.

A business sends you a link. You verify what is being asked for — your identity, your banking information, a signature — and submit. Each step happens in a secure window, and the business receives only the result they requested.

What it takes

• About eleven minutes for a typical application.
• A phone with a camera for identity verification.
• Your online banking login, if financial verification is included.

You can pause and return using the same link. See Complete an application.

Verifying at the source means you do not have to gather statements, scan documents, or email anything. It also means the business can decide faster, because nothing has to be checked by hand afterwards.

What is shared

• Only the results the business asked for — not your banking credentials.
• Documents you upload, and the fields read from your ID.
• Nothing else from your accounts.

Step by step

1. Open the link on your phone.
2. Enter your phone number to start or resume.
3. Complete each step — the flow tells you exactly what it needs.
4. Review and submit.

If something goes wrong

• ID photo rejected — retake it in even light, no glare, all four corners visible.
• Bank not listed — upload statements instead where the business allows it.
• Interrupted — reopen the same link; your progress is saved.

Your completed file goes to the business that requested it. If a step is still processing, it finishes on its own — you do not need to do anything else.

Timing

• Most steps return in seconds.
• Credit and record checks can take a few minutes.
• The business decides on its own timeline; Carousel does not make the decision.

In an applicant-paid workflow you prepay for the verifications, own the resulting profile, and choose who sees it.

What you control

• Share the profile with the business that asked, or with another one.
• Track progress of each step as it completes.
• Request a refund if there are issues — see Request a refund.

How it works

One point of access

• Seamless integration: Plug into Carousel once and unlock our entire ecosystem of data collection, verification, and compliance tools.
• All-in-one workflows: From KYC to banking data, credit checks, and e-signatures — everything flows through a single, unified platform.
• Automation-ready: Use rule-based routing, webhooks, and advanced logic to streamline every decision.
• Analytics built-in: Get real-time insights and reporting across all your applicants, without extra setup.

Why use Carousel?

• Go live fast: From concept to working flow in minutes.
• Quick to implement: Clear APIs and instant webhooks make integration straightforward.
• Bank-grade security: End-to-end encryption, audit logs, and strict data handling.
• Scalable: Built to handle thousands of concurrent applicants.
• Developer choice: Use the Portal for rapid setup or wire everything directly into your own stack.

The guides

1. Option A: Direct Link (Recommended)

• Carousel provides you with a unique WORKFLOW URL after you create a workflow on the Carousel Portal.
• Share this link with your applicants (e.g., via email, SMS, or your website).
• Example: https://apply.oncarousel.com/v2/application?domain=https%3A%2F%2Facmeinc.com&lead=

This launches the workflow as a standalone, full-page interface — similar to Stripe Checkout. It’s optimized for speed, branding, and mobile responsiveness.

Why we recommend this approach:

• Mobile-optimized, distraction-free
• No layout constraints
• Easier to track completions and drop-offs
• Fully configurable from within the Portal — no developer support needed

2. Option B: Embed via iFrame

You can embed the Carousel POS directly into your website using an <iframe>.

Example Code

<iframe 
  src="https://apply.oncarousel.com/v2/application?domain=acme.ca" 
  width="100%" 
  height="800" 
  style="border:none;">
</iframe>

Important Disclosure on iframes

While iframe embedding is supported, it limits layout control and may degrade the applicant experience — especially on mobile.

Carousel workflows are designed to be used as a dedicated, full-page interface, and perform best when launched via direct link.

3. Customization

• Additional query parameters may be supported (contact support if needed).

4. Testing

• Add the link or iframe to your test environment.
• Submit a test application.
• Confirm the application appears in your Portal → Manage All Applications.

5. Security Notes

• Always use HTTPS when embedding or sharing the workflow link.
• Do not expose internal system URLs in the iframe.

Carousel PortalA workflow with a CRM Integration step added at the end.

Creating a Workflow with CRM Integration

Carousel lets you collect and verify applicant data using configurable, step-based workflows. You can customize, configure and white-label each workflow directly from the Portal — no code needed.

How to Set It Up

1. Log in to the Carousel Portal
2. Navigate to: Dashboard → Workflows → Create New Workflow
3. Use the drag-and-drop builder to build your flow
4. Add a CRM Integration step at the end

Configuring the CRM Integration Step

The CRM Integration step automatically sends collected applicant data to your system using a secure POST request.

Setup Instructions

1. Set Export Destination to Webhook
2. Enter your POST URL (the endpoint on your system)
3. Click Confirm to save

Once the applicant reaches this step, Carousel will send the workflow data as structured JSON.

Webhook Events

Carousel will automatically send webhook events to your configured POST URL as the applicant progresses through the workflow. There are three main events:

1. Application Created

Triggered when an applicant first creates an application (logs in with phone number).

Sample Payload

{
  "loanApplicationId": "28b25f25-43b7-4871-ab47-239faaefbe10",
  "phoneNumber": "+1 (605) 555-5555",
	"apiUrl": "https://yourwebhook.com",
  "createdAt": "2025-08-14T20:52:22.589Z",
	"externalCustomerId":"your_customer_id",
  "system": {
    "step": "Loan Product",
    "status": "Initializing",
    "updatedAt": "2025-08-14T20:52:21.233Z"
  },
  "application": {
    "status": "In Progress",
    "updatedAt": "2025-08-14T20:52:21.233Z"
  },
  "updatedAt": "2025-08-14T20:52:22.589Z"
}

2. Application Finished All Steps

Triggered when the applicant finishes all required steps.

{
	"loanApplicationId": "20ca981e-b94d-426a-a74a-9e17f315c7fc",
  "phoneNumber": "+1 (605) 555-5555",
	"apiUrl": "https://yourwebhook.com",
  "createdAt": "2025-08-14T20:52:22.589Z",
  "externalCustomerId":"your_customer_id",
	"system": {
    "step": "Loan Product",
    "status": "Initializing",
    "updatedAt": "2025-08-14T20:52:21.233Z"
  },
	"application": {
		"status": "Completed",
		"updatedAt": "2025-08-14T20:52:21.233Z"
	},
	"dataStep": [
		{
			"step": "Loan Product",
			"data": {
				"id": "4361048b-5a52-46e6-ade6-a923ce39bb71",
				"calculatorConfig": {
					"upfrontFee": 0,
					"originationFee": 0,
					"brokerageFeePercent": 0
				},
				"calculatorType": 0,
				"annualInterest": 5,
				"minimumLoanAmount": 500,
				"name": "cll",
				"amount": 500,
				"assignments": [],
				"applicationDate": "2025-02-17T16:08:00.304Z",
				"approvalDate": "2025-02-17T16:10:09.001Z",
				"businessId": "e35cba52-a7f3-53c1-a47c-e539aa26d681",
				"externalCustomerId": null,
				"detailsOnUseOfFunds": null,
				"purposes": ["Inventory"],
				"urgencyOfFunds": null
			}
		},
		{
			"step": "Identity",
			"data": {
				"gender": "Male",
				"dateOfIssue": "2024-10-10T00:00:00.000Z",
				"fullName": "JOHN DOE",
				"country": "CAN",
				"dateOfBirth": "1998-03-08T00:00:00.000Z",
				"dateOfExpiration": "2027-06-30T00:00:00.000Z",
				"documentNumber": "H0653-00009-80308",
				"province": "ON",
				"frontImageUrl": "https://staging.api.oncarousel.com/uploads/kyc/330b8683-1428-4f94-a558-3c9c2db0dec4.jpeg?Expires=1767726190&Key-Pair-Id=K1G5A68240S8O&Signature=HWka0sGDCY96n0DsQaw37PEqghDXR4TkR0sESFEPL5Uw9iF3UTunI2KVLsVOgjg0PkSpr3dYLoBx9O4rBiJUE9XIqhpJk1b4CcPuETT1SMMyF89M82F1TPlx7gyBlBtF3N5eilvK1EnWJc8CPL4Q~-Z64CLOU6HMmFEg1KpZ2yauGH3OWwMXVXWFjOk2JLzZv1JRYFGqYVTWtxOswgZhFf8tiZPLHfHElHAI1E6huPQ9s5JCFO3LeOU2MjWkjz3Mr2yL7RtLKjjOrlW5HAEvXJ-BgOR7HBSL9XntY7VWxCBSxJZ3A~mex3t4tif7aZY079dWpOVmxYwTPZ9OgBmVDw__"
			}
		},
		{
			"step": "Bank Account",
			"data": {
				"loginId": "6433cf6a-0879-4ef0-5a2a-08d91642f9c6",
				"bankAccount": [] // This step is still processing so no bank accounts were saved 
			}
		},
		{
			"step": "Custom Questionnaire",
			"data": {
				"questions": [
					{
						"id": "5bbb1eb4-57c3-4c0c-aa08-b1a4a29eab85",
						"name": "What is the full legal name of your company ?",
						"answer": "Spheregbs"
					},
					{
						"id": "5f3edc6e-6247-47f1-8a15-be6c271b8788",
						"name": "Would you like for the lease to be under your company or personal ?",
						"answer": "Company"
					},
					{
						"id": "2de688e5-3ae1-46bb-b587-669f2168652d",
						"name": "Address from where vehicle will operate?",
						"answer": ""
					}
				]
			}
		}
	],
	"updatedAt": "2025-07-22T15:55:23.986Z"
}

3. Full Payload — Every Step

A complete example with every step type present, including financial accounts, questionnaire answers, e-signature, credit, background, court and self-declaration data.

{
  "loanApplicationId": "dc8ef61b-35a2-4634-88d8-38e637abb2c4",
  "phoneNumber": "+1 (500) 555-0006",
  "apiUrl": "https://webhook.site/e9cb118c-fcf8-4314-99d0-2ca03d18a8bb",
  "createdAt": "2026-04-10T16:30:32.649Z",
  "externalCustomerId": "",
  "system": {
    "status": [
      {
        "step": "Loan Request",
        "statuses": [
          "Approved"
        ]
      },
      {
        "step": "Applicant Payment",
        "statuses": [
          "Approved"
        ]
      },
      {
        "step": "Financial Verification",
        "statuses": [
          "Approved"
        ]
      },
      {
        "step": "E-Signature",
        "statuses": [
          "Approved"
        ]
      },
      {
        "step": "CRM Integration",
        "statuses": [
          "Completed"
        ]
      },
      {
        "step": "Credit Check",
        "statuses": [
          "Approved"
        ]
      },
      {
        "step": "Identity Verification",
        "statuses": [
          "Approved"
        ]
      },
      {
        "step": "Custom Questionnaire",
        "statuses": [
          "Approved"
        ]
      },
      {
        "step": "Self Declaration",
        "statuses": [
          "Approved"
        ]
      },
      {
        "step": "Background Check",
        "statuses": [
          "Approved"
        ]
      },
      {
        "step": "Court & Eviction Checks",
        "statuses": [
          "Approved"
        ]
      }
    ],
    "updatedAt": "2026-04-10T16:30:32.013Z"
  },
  "application": {
    "status": "In Progress",
    "updatedAt": "2026-04-10T16:30:32.013Z"
  },
  "dataStep": [
    {
      "step": "Loan Request",
      "data": {
        "id": "35827328-61cc-47c4-b5c9-809c6630784a",
        "annualInterest": 100,
        "calculatorConfig": {
          "upfrontFee": 0,
          "originationFee": 0,
          "brokerageFeePercent": 0
        },
        "calculatorType": "Installment",
        "minimumLoanAmount": 100,
        "applicationDate": "2026-04-10T15:44:27.955Z",
        "approvalDate": "",
        "businessId": "9956134d-c746-57e6-8a7e-0be300dfe5c7",
        "detailsOnUseOfFunds": "",
        "externalCustomerId": "",
        "purposes": [],
        "urgencyOfFunds": "",
        "name": "Full",
        "amount": "200.00",
        "assignments": [
          {
            "fullName": "",
            "email": "",
            "phoneNumber": "",
            "id": ""
          }
        ]
      }
    },
    {
      "step": "Identity Verification",
      "data": {
        "gender": "Male",
        "dateOfIssue": "2012-11-30T00:00:00.000Z",
        "fullName": "TEST CARD SAMPLE",
        "country": "CAN",
        "dateOfBirth": "1982-01-04T00:00:00.000Z",
        "dateOfExpiration": "2017-11-30T00:00:00.000Z",
        "documentNumber": "2222222",
        "documentType": 3,
        "province": "BC",
        "frontImageUrl": "https://staging.api.oncarousel.com/uploads/kyc/8ac994fb-667f-49a3-8987-53456a6205aa.jpg?Expires=1775839532&Key-Pair-Id=K1G5A68240S8O&Signature=NyX8OQ~xHjGnSWvB5wpj6kb5a52c1WQ7gQ2tvpvpWjF5SpkbJDZ0AISkU1BYVRb2gd4zzbF3svgVs26JuEzdLCr0vl3MMKplxShdDthyakikV27kfSoFDYEJrlXzQjl7GIZv1vZOrbcyik80fveyjVTKespEFuBr4b3hrDAlKCJwdHTFEwf7B1~4drilt8VUGTXAGsKonsZSOlZOPHxJ0isjMZkjuAVxBwB0SSH3OJ58YEmcBX8Pj4b~ycKlYcdt8HKlizeW2C0P1gbt-NWMCsiejHrYN9m8JvAr-v2MgZOAXexo0EmnCOy5KblIWwfocqMFHVd~ilvM~uMLQQWLbA__",
        "address": "910 GOVERNMENT ST, VICTORIA BC V8W 3Y8"
      }
    },
    {
      "step": "Financial Verification",
      "data": {
        "loginId": "f4847c89-9d93-4e1f-1544-08ddf53a0c5c",
        "bankAccount": [
          {
            "accountTitle": "Chequing CAD",
            "accountNumber": "1111000",
            "institutionNumber": "777",
            "institutionName": "FlinksCapital",
            "transitNumber": "77777",
            "category": "Operations",
            "type": "Chequing",
            "currency": "CAD",
            "balanceAvailable": 50300,
            "balanceCurrent": 50000,
            "balanceLimit": 0,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "John Doe",
              "email": "johndoe@flinks.io",
              "phoneNumber": "(514) 333-7777",
              "address": {
                "address": "1275 avenue des Canadiens-de-Montréal",
                "city": "Montréal",
                "province": "QC",
                "zipCode": "H3B 5E8",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "First Home Savings Account",
            "accountNumber": "FHSA1234567",
            "institutionNumber": "",
            "institutionName": "FlinksCapital",
            "transitNumber": "",
            "category": "Products",
            "type": "FHSA",
            "currency": "CAD",
            "balanceAvailable": 0,
            "balanceCurrent": 200000,
            "balanceLimit": 0,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "John Doe",
              "email": "johndoe@flinks.io",
              "phoneNumber": "(514) 333-7777",
              "address": {
                "address": "1275 avenue des Canadiens-de-Montréal",
                "city": "Montréal",
                "province": "QC",
                "zipCode": "H3B 5E8",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "Plaid Saving",
            "accountNumber": "1111",
            "institutionNumber": "",
            "institutionName": "RBC Royal Bank",
            "transitNumber": "",
            "category": "other",
            "type": "depository",
            "currency": "CAD",
            "balanceAvailable": 200,
            "balanceCurrent": 210,
            "balanceLimit": 0,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "Alberta Bobbeth Charleson",
              "email": "accountholder0@example.com",
              "phoneNumber": "1112223333",
              "address": {
                "address": "478 Plaid Street",
                "city": "Gingham",
                "province": "AB",
                "zipCode": "T0B 0Z0",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "Credit card",
            "accountNumber": "420024******4242",
            "institutionNumber": "",
            "institutionName": "FlinksCapital",
            "transitNumber": "",
            "category": "Credits",
            "type": "CreditCard",
            "currency": "CAD",
            "balanceAvailable": 20000,
            "balanceCurrent": 10000,
            "balanceLimit": 30000,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "John Doe",
              "email": "johndoe@flinks.io",
              "phoneNumber": "(514) 333-7777",
              "address": {
                "address": "1275 avenue des Canadiens-de-Montréal",
                "city": "Montréal",
                "province": "QC",
                "zipCode": "H3B 5E8",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "Line of Credit",
            "accountNumber": "LC010101",
            "institutionNumber": "",
            "institutionName": "FlinksCapital",
            "transitNumber": "",
            "category": "Credits",
            "type": "LineOfCredit",
            "currency": "CAD",
            "balanceAvailable": 6000,
            "balanceCurrent": 3000,
            "balanceLimit": 9000,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "John Doe",
              "email": "johndoe@flinks.io",
              "phoneNumber": "(514) 333-7777",
              "address": {
                "address": "1275 avenue des Canadiens-de-Montréal",
                "city": "Montréal",
                "province": "QC",
                "zipCode": "H3B 5E8",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "Investments",
            "accountNumber": "INV00001",
            "institutionNumber": "",
            "institutionName": "FlinksCapital",
            "transitNumber": "",
            "category": "Products",
            "type": "RRSP",
            "currency": "CAD",
            "balanceAvailable": 0,
            "balanceCurrent": 100000,
            "balanceLimit": 0,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "John Doe",
              "email": "johndoe@flinks.io",
              "phoneNumber": "(514) 333-7777",
              "address": {
                "address": "1275 avenue des Canadiens-de-Montréal",
                "city": "Montréal",
                "province": "QC",
                "zipCode": "H3B 5E8",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "Plaid Cash Management",
            "accountNumber": "9002",
            "institutionNumber": "",
            "institutionName": "RBC Royal Bank",
            "transitNumber": "",
            "category": "other",
            "type": "depository",
            "currency": "CAD",
            "balanceAvailable": 12060,
            "balanceCurrent": 12060,
            "balanceLimit": 0,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "Alberta Bobbeth Charleson",
              "email": "accountholder0@example.com",
              "phoneNumber": "1112223333",
              "address": {
                "address": "478 Plaid Street",
                "city": "Gingham",
                "province": "AB",
                "zipCode": "T0B 0Z0",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "Chequing US",
            "accountNumber": "1111001",
            "institutionNumber": "777",
            "institutionName": "FlinksCapital",
            "transitNumber": "77777",
            "category": "Operations",
            "type": "Chequing",
            "currency": "USD",
            "balanceAvailable": 25300,
            "balanceCurrent": 25000,
            "balanceLimit": 0,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "John Doe",
              "email": "johndoe@flinks.io",
              "phoneNumber": "(514) 333-7777",
              "address": {
                "address": "1275 avenue des Canadiens-de-Montréal",
                "city": "Montréal",
                "province": "QC",
                "zipCode": "H3B 5E8",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "Plaid Checking",
            "accountNumber": "0000",
            "institutionNumber": "",
            "institutionName": "RBC Royal Bank",
            "transitNumber": "",
            "category": "checking",
            "type": "depository",
            "currency": "CAD",
            "balanceAvailable": 100,
            "balanceCurrent": 110,
            "balanceLimit": 0,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "Alberta Bobbeth Charleson",
              "email": "accountholder0@example.com",
              "phoneNumber": "1112223333",
              "address": {
                "address": "478 Plaid Street",
                "city": "Gingham",
                "province": "AB",
                "zipCode": "T0B 0Z0",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "Another Business Account",
            "accountNumber": "BA777",
            "institutionNumber": "777",
            "institutionName": "FlinksCapital",
            "transitNumber": "77777",
            "category": "Credits",
            "type": "Chequing",
            "currency": "CAD",
            "balanceAvailable": 84,
            "balanceCurrent": 42,
            "balanceLimit": 0,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "Mo'e Money Inc.",
              "email": "biz@flinks.com",
              "phoneNumber": "514-123-4567",
              "address": {
                "address": "1000 de la Gaucheti\ufffdre",
                "city": "Montreal",
                "province": "QC",
                "zipCode": "A1A 1A1",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "Personal loan",
            "accountNumber": "LO020202",
            "institutionNumber": "",
            "institutionName": "FlinksCapital",
            "transitNumber": "",
            "category": "Credits",
            "type": "LoanPersonal",
            "currency": "CAD",
            "balanceAvailable": 0,
            "balanceCurrent": 200000,
            "balanceLimit": 0,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "John Doe",
              "email": "johndoe@flinks.io",
              "phoneNumber": "(514) 333-7777",
              "address": {
                "address": "1275 avenue des Canadiens-de-Montréal",
                "city": "Montréal",
                "province": "QC",
                "zipCode": "H3B 5E8",
                "country": "CA"
              }
            }
          },
          {
            "accountTitle": "Business Account",
            "accountNumber": "BA-12345",
            "institutionNumber": "777",
            "institutionName": "FlinksCapital",
            "transitNumber": "77777",
            "category": "Operations",
            "type": "Unknown",
            "currency": "CAD",
            "balanceAvailable": 0,
            "balanceCurrent": 1000000,
            "balanceLimit": 0,
            "overdraftLimit": 0,
            "holder": {
              "fullname": "Very Successful Inc.",
              "email": "success@flinks.com",
              "phoneNumber": "514-777-7777",
              "address": {
                "address": "123 Moon Dr.",
                "city": "Golden City",
                "province": "QC",
                "zipCode": "H0H 0H0",
                "country": "CA"
              }
            }
          }
        ]
      }
    },
    {
      "step": "Custom Questionnaire",
      "data": {
        "questions": [
          {
            "id": "f913043a-c667-41c2-8dcc-b7ffe8bbb301",
            "name": "What is your phone number - Email?",
            "answer": "123"
          }
        ]
      }
    },
    {
      "step": "E-Signature",
      "data": {
        "documentId": "44MMZgzKoH7nMeRMLjR7mL",
        "document": "https://staging.api.oncarousel.com/uploads/legal-contract/82c2e17f-5c30-43be-a595-d41b89433a6a?Expires=1775839533&Key-Pair-Id=K1G5A68240S8O&Signature=FfTnsORbGhleGS96Zxy6cnnCttRjtm0cbJBTIOdHPn2yfezNCwN8TBrJkmBdaTDahDXXdwpBtzWGyPkAhjrQtjvHMDhQghmO92C6-kk710fTD~hKEHO9rqw7-1suzW~63J0tIQ6TFSFtO-~k-vY6qMQckeT3S0AYDeglCOzxCoxq-UAckhcLWAbt3gjcPNSw3tIXSUnom5EBlRNoyCTJF18~vkSUBqsP-IMgI2gfziRgqUsjSJ1y0B1tLpHzIVETjzD9pXjz-zjo2fWTSvZboz~HyHTPwsV4my2d7It-ZCqFSdkAWs07yr-FR3SUaAxCVA2JDkfcOP0NOJ73vaSbQA__"
      }
    },
    {
      "step": "Credit Check",
      "data": "https://staging.api.oncarousel.com/uploads/credit-check/dc8ef61b-35a2-4634-88d8-38e637abb2c4/975ZZ70232?Expires=1775839533&Key-Pair-Id=K1G5A68240S8O&Signature=Y-tEflENSye7HdCJ2q3FWRyweAF7gqgRTK~73ZEe9MPv3FBvA26lfnIR7W6o8tuzX4MsNRtitZGwfMxs9tjtIS8S85RzPyAF~HaxB0SA0rkxRXzDGwfUTdpFgC8yEDnK4l1oVlXHCazq2AsBPsdpaxgzLWVF7P3jCjwnGgc6KCEs1bThS084IjeJ8Wd0aA6HEpOSulORNzNWmtsPjG89q0QtyvKXkTwjSAFHyJaT6sHVQ0ZQ9I-JQP0Ceddkt2DujWVwHC93bNVBDb6SQKh6EBejLEe8Xiz3eZUjtsalnucseR9pewjGBa8tBkwOW1vcRepgCoNfSwsX6jTSCvK93g__"
    },
    {
      "step": "Background Check",
      "data": {
        "criminalChecks": {
          "reportId": "69d924ca4658d28470210cd5",
          "status": "Incomplete",
          "serviceType": "STANDARD_CRIMINAL_RECORD_CHECK",
          "standardResult": "Incomplete",
          "submittedAt": null,
          "completedAt": "2026-04-10T16:30:30.764Z",
          "info": {
            "birthCity": "111",
            "birthCountry": "111",
            "birthProvince": "111",
            "dateOfBirth": "1982-01-04T00:00:00.000Z",
            "email": "admin@oncarousel.com",
            "firstName": "TEST CARD",
            "lastName": "SAMPLE",
            "phone": "+15005550006",
            "gender": "Male"
          },
          "addressHistory": [
            {
              "address": "910 GOVERNMENT ST",
              "city": null,
              "country": "CAN",
              "province": "BC",
              "zipCode": null
            }
          ],
          "verification": {
            "passed": true,
            "verifiedAt": "2026-04-10T16:26:51.532Z"
          },
          "convictions": [],
          "pdfs": [
            {
              "note": "This is a test document - not a real criminal check result",
              "label": "Standard Criminal Record Check (TEST)",
              "docRefId": "test_doc_1775838416763",
              "pdfUrl": "https://staging.api.oncarousel.com/uploads/criminal-check/69d924ca4658d28470210cd5/test_doc_1775838416763.pdf?Expires=1775839533&Key-Pair-Id=K1G5A68240S8O&Signature=1LhYfqT6ZHzSUgjJ5JPxO13X7U5pTKVhbPtaJQ-7WTbVGmXDpKUMwiLtKlCzw~nvueN25nNYI4CqXxs1XG4WP~jm0~z7QIlOmufMZhllYBo48TkdTLsm-gItGKJ2O9~9rdLebuOjBek8TAsa-9dKV~TNdCCDVWzo84XQF7yA9xo3iUOuGMfZrvEWo6ngGij9mRdP8kxMZz3C1PgZFRf9p5wTNgXiqc1~myhLLYP3AYPpC3wgxB3tu9UMbQIFMJ2t4Ms48dOD3Oy2lga03TJa2XM~aZuH9-jHqCK1KxzxK1arT9YclnMglRKvRQ~BiWiBPl-F9hG3m7PC7mnPBsjlyQ__",
              "isSecure": true
            }
          ]
        }
      }
    },
    {
      "step": "Court & Eviction Checks",
      "data": {
        "legalChecks": [
          {
            "status": "Completed",
            "reporter": "Openroom Sandbox",
            "isMatch": true,
            "message": "Cleared, no matching court records found in available databases",
            "items": [
              {
                "url": "https://openroom.ca/dashboard/document/19b33f3e-dceb-4a81-9fcc-6e81f29ec771",
                "title": "OR-SANDBOX-4: Filed by landlord on 2022-05-05",
                "name": "Dama Ging",
                "address": "BASEMENT, 13 DEBTOR DRIVE, OSHAWA, B2B2B2"
              }
            ]
          }
        ]
      }
    },
    {
      "step": "Self Declaration",
      "data": {
        "monthlyIncomeAmount": 13300,
        "employmentStatusDetail": {
          "status": "Employed Full Time",
          "position": "123",
          "startDate": "2026-04-10",
          "companyName": "123",
          "employerEmail": "123@gmail.com",
          "employerFullName": "123",
          "employerPhoneNumber": "+15555555555"
        },
        "lifestyleInformation": [
          "I vape or smoke",
          "I own pets",
          "I have a criminal background"
        ],
        "livingStatusDetail": {
          "status": "Other",
          "detail": "2323232"
        }
      }
    }
  ],
  "updatedAt": "2026-04-10T16:30:32.649Z"
}

Important: Document & Image Handling (S3 Links)

Carousel no longer sends documents or images as base64 in webhook payloads. Instead, file fields (for example frontImageUrl) contain a temporary, pre-signed Amazon S3 URL.

How It Works

• The URL points to a file stored in Carousel’s Amazon S3 bucket
• The URL is publicly accessible but expires after 15 minutes
• After expiration, the link will no longer be valid

Required Action (Recommended)

When your system receives a webhook containing file URLs:

1. Immediately download the file from the S3 URL
2. Store it securely in your own system or storage provider
3. Do not rely on the URL for long-term access

Webhook Failure & Retry

If your webhook endpoint is unavailable, times out, or fails to process the payload (for example due to expired file links), you can manually re-trigger the webhook.

Retry from the Portal

1. Log in to the Carousel Portal
2. Open the relevant Application
3. Navigate to the Webhook section
4. Click Re-send Webhook

This will send the latest available payload again, including fresh S3 URLs for any files.

Carousel PortalThe application ⋮ menu — re-deliver the payload from here.

Support

Need help with:

• Configuring workflows
• Webhook setup
• Payload troubleshooting
• POS launch methods

We’re here to help: Speak to Support

Overview

Carousel charges per billable step — there are no platform fees beyond the steps applicants actually complete.

A billable step is any verification an applicant completes in a workflow — identity, KYB, financial, credit, background, court & eviction, fraud & compliance screening, e-signature, or payment. Only completed steps are charged.

Who Pays: Applicant or Business

Every workflow can be configured with one of two payment structures:

• Business pays — your business covers the verification costs and applicants complete the workflow at no charge. Results are delivered to your business as part of the application.
• Applicant pays — the applicant prepays for all the verifications they are about to undergo. They own their verified profile, choose whether to share it with the requester — or with others — and can request a refund if there are issues with their workflow.

When Charges Happen

A charge occurs when an applicant completes a billable step in your workflow — nothing is charged before that.

• Completed steps — charged at the step’s fee.
• Abandoned steps — never charged, if the applicant never reached them.
• Failed steps — charged: the step ran.
• Applicant-paid workflows — the applicant prepays for all the verifications in the workflow; if there are issues, they can request a refund.
• Invoices — itemized by billable step.

Fees by Billable Step

All Billable Steps Supported by Carousel

Example Workflow and Total Cost

Let’s say your workflow includes:

1. Identity Verification
2. Financial Verification
3. Credit Check
4. E-Signature
5. Applicant Payment

If an applicant completes every step, here’s what you’re charged:

FAQ

About Carousel

Integrations & Workflow Setup

Pricing & Billing

Security & Compliance

Additional questions? Speak to Support

Start here for anything account-related. If you cannot find an answer, contact the team — we reply within one business day.

For applicants

• How Carousel works — what to expect end to end.
• The verification fee — why it exists and what it covers.
• Request a refund — how and when to ask.

For account holders

• Invoices are itemized by billable step — see Pricing and usage.
• Team access and roles are covered in Add your team.

Reaching a person

In an applicant-paid workflow, the applicant prepays for the verifications in that workflow. The fee covers every step in the flow — nothing else is billed to the applicant afterwards.

What it covers

• Each verification step configured in the workflow.
• The verified profile the applicant keeps and can share.
• Re-sharing that profile with another business at no extra charge.

When it is charged

• Once, upfront, before the verifications run.
• Steps that never complete are refundable — see Request a refund.

How to request one

1. Reopen the link you used to apply.
2. Choose Request a refund, or write to support@oncarousel.com with your phone number and the business you applied to.
3. You will get confirmation the same business day.

When a refund applies

• A step failed or could not complete.
• The workflow was duplicated or charged twice.
• A verification returned nothing usable through no fault of yours.

Timing

Approved refunds return to the original payment method, typically within 5–10 business days.

Timing

How long does a refund take? Typically 5–10 business days back to the original method.

Can I check the status? Yes — reply to your confirmation email and support will confirm where it is.

Amount

Can I get a partial refund? Yes, where only some steps failed.

Do completed verifications get refunded? No — those results stay in your profile and remain shareable.

Contact

Who do I contact? support@oncarousel.com, or +1 (855) 508-8989 for anything urgent.