PayPal | 1Kosmos

1Kosmos Achieves DoW IL4 Authorization to Secure Military Identities and Mission Access

PayPal

Integration type

Banking

What we solve

PayPal Commerce Platform partners and marketplaces need a secure way to complete KYC when consumers upgrade to sellers/service providers and to add biometric step-up for higher-risk transactions—without manual checks or degrading conversion. This integration uses PayPal’s Partner Referrals onboarding flow plus PayPal webhooks to trigger 1Kosmos BlockID Verify (IAL2) and LiveID enrollment, pushes verified identity data into PayPal person/business records, and enables FIDO2-based step-up before capture on flagged payments to reduce fraud and satisfy compliance requirements.

Integration architecture

PayPal Commerce Platform (formerly Braintree + PayPal for Marketplaces) uses the PayPal Partner Program for integration listings.

Consumer KYC at account upgrade:

High-value transaction step-up:

// PayPal Order created with metadata flag
const order = await paypalClient.execute(new OrdersCreateRequest({
  intent: 'CAPTURE',
  purchase_units: [{
    amount: { currency_code: 'USD', value: '850.00' },
    custom_id: JSON.stringify({
      blockid_stepup: true,
      customer_id: customerId
    })
  }]
}));

// Webhook: PAYMENT.CAPTURE.PENDING
// 1Kosmos issues LiveID challenge, captures FIDO2 assertion
// PATCH /v2/payments/captures/{capture_id} with blockid verification proof

// PayPal Order created with metadata flag
const order = await paypalClient.execute(new OrdersCreateRequest({
  intent: 'CAPTURE',
  purchase_units: [{
    amount: { currency_code: 'USD', value: '850.00' },
    custom_id: JSON.stringify({
      blockid_stepup: true,
      customer_id: customerId
    })
  }]
}));

// Webhook: PAYMENT.CAPTURE.PENDING
// 1Kosmos issues LiveID challenge, captures FIDO2 assertion
// PATCH /v2/payments/captures/{capture_id} with blockid verification proof

// PayPal Order created with metadata flag
const order = await paypalClient.execute(new OrdersCreateRequest({
  intent: 'CAPTURE',
  purchase_units: [{
    amount: { currency_code: 'USD', value: '850.00' },
    custom_id: JSON.stringify({
      blockid_stepup: true,
      customer_id: customerId
    })
  }]
}));

// Webhook: PAYMENT.CAPTURE.PENDING
// 1Kosmos issues LiveID challenge, captures FIDO2 assertion
// PATCH /v2/payments/captures/{capture_id} with blockid verification proof

Transform how you verify and authenticate

Secure onboarding, eliminate passwords, and stop fraud on one platform. Schedule a demo and see it in action.

Request a demo

Talk to sales

Transform how you verify and authenticate

Secure onboarding, eliminate passwords, and stop fraud on one platform. Schedule a demo and see it in action.

Request a demo

Talk to sales

Transform how you verify and authenticate

Secure onboarding, eliminate passwords, and stop fraud on one platform. Schedule a demo and see it in action.

Request a demo

Talk to sales