Status: Stable readiness model.
Pending confirmation: Final live payout verification journey and user-facing collection UX.

Members: Onboarding

Use this page to understand member readiness. To create or update a member through the public API, use Members: Create or Update.

What More Rewards tracks

• club linkage from the API key
• member basics
• external member ID
• wallet details
• bank-account details for payouts
• payout verification status

Member readiness states

• draft
• info_required
• payout_pending
• payout_verified
• blocked

Required fields for payout readiness

A member is payout-ready when More Rewards has:

• firstName
• lastName
• email
• currency
• externalMemberId
• wallet provider and wallet reference
• bank account number
• sort code
• account holder name
• payoutDestinationStatus = "verified"

Bank-account payload

When the integration supplies payout details, send them on member create/update:

{
  "member": {
    "externalMemberId": "member_external_id",
    "wallet": {
      "provider": "moneyhub",
      "walletRef": "sandbox_wallet_member_external_id",
      "status": "verified",
      "bankAccount": {
        "accountNumber": "12345678",
        "sortCode": "123456",
        "name": "Example Member"
      }
    }
  }
}

Payout destination states

• unverified
• pending
• verified
• invalid
• revoked

Integration guidance

• A member can exist before payout readiness is complete.
• Redemption requires payout details before a payout can be reserved.
• Treat More Rewards as the source of truth for payout readiness.