> ## Documentation Index
> Fetch the complete documentation index at: https://docs.frankieone.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Reseller Checks with Experian AU

> If you perform Experian AU credit header checks on behalf of another reporting entity, that entity's ABN needs to be supplied with each check. This guide shows how to pass the ABN via the entity's extraData KVPs.

## Overview

Some customers act as a **reseller** — they run KYC checks on behalf of another business, and that business (not the reseller) is the AML/CTF reporting entity for the check.

Experian AU requires the ABN of that end business to be supplied with every credit header check, so the enquiry can be attributed to the correct obligated entity. FrankieOne collects this ABN as an entity [extraData KVP](/docs/v1/api/guide-to-the-api/getting-started/entity-extradata-key-value-pairs) and forwards it to Experian as `AMLObligatedEntityABN`.

<Info>
  This applies only to **Experian AU credit header checks** performed through the
  Experian v2 connector. It has no effect on other data sources, and it is not
  needed by customers who are the reporting entity for their own checks.
</Info>

***

## Enabling the feature

Reseller ABN passthrough is enabled by FrankieOne on a per-configuration basis. Enabling it does two things:

* Makes the `CustomerChannelReferenceIdentifier` KVP visible and mandatory in the FrankieOne Portal, so the ABN can be captured for profiles created manually.
* Makes the KVP **required** for API-created entities — a check submitted without it fails validation before it reaches Experian.

<Callout icon="star" color="#3DD892" iconType="regular">
  Contact [help@frankieone.com <Icon icon="arrow-up-right-from-square" size={12} />](mailto:help@frankieone.com)
  to have reseller ABN passthrough turned on for your configuration. Until it has
  been enabled, the KVP is stored on the entity but not forwarded to Experian.
</Callout>

***

## Supplying the ABN

Add a KVP with `kvpKey` of `CustomerChannelReferenceIdentifier` to the entity's `extraData` array, with the end business's ABN as the `kvpValue`.

The KVP can be set on a **CreateCheckEntity** call or added later with an **UpdateCheckEntity** — it simply needs to be present on the entity at the time the check runs.

```json title="Create Entity with Reseller ABN" {24-28} theme={null}
{
  "entity": {
    "entityProfile": "safe_harbour",
    "entityType": "INDIVIDUAL",
    "name": {
      "givenName": "TESTGivenName",
      "familyName": "TESTFamilyName"
    },
    "dateOfBirth": {
      "dateOfBirth": "1960-01-01"
    },
    "addresses": [
      {
        "addressType": "RESIDENTIAL1",
        "country": "AUS",
        "postalCode": "3000",
        "state": "VIC",
        "streetName": "Exhibition",
        "streetNumber": "123",
        "streetType": "Street",
        "town": "MELBOURNE"
      }
    ],
    "extraData": [
      {
        "kvpKey": "CustomerChannelReferenceIdentifier",
        "kvpValue": "11111111111",
        "kvpType": "general.string"
      },
      {
        "kvpKey": "consent.general",
        "kvpValue": "true",
        "kvpType": "general.bool"
      },
      {
        "kvpKey": "consent.creditheader",
        "kvpValue": "true",
        "kvpType": "general.bool"
      }
    ]
  }
}
```

### Field reference

| Field      | Value                                | Notes                                                                                                                   |
| :--------- | :----------------------------------- | :---------------------------------------------------------------------------------------------------------------------- |
| `kvpKey`   | `CustomerChannelReferenceIdentifier` | Case-sensitive — it needs to match exactly.                                                                             |
| `kvpValue` | The end business's ABN               | 11 digits, no spaces. This is the ABN of the business the check is being performed **for**, not the reseller's own ABN. |
| `kvpType`  | `general.string`                     | See [Key Value Pairs](/docs/v1/api/guide-to-the-api/common-api-objects-fields/key-value-pairs) for the full type list.  |

<Callout icon="bell" color="#FFCA16" iconType="regular">
  Credit header consent is still required for Experian AU checks. The reseller
  ABN is in addition to — not a replacement for — the `consent.creditheader` KVP.
  See [Consent Flags](/docs/v1/api/guide-to-the-api/getting-started/entity-extradata-key-value-pairs).
</Callout>

***

## What FrankieOne sends to Experian

The KVP is forwarded in the request payload as an additional detail:

```xml theme={null}
<RequestData>
  <AdditionalDetail>
    <DetailName>AMLObligatedEntityABN</DetailName>
    <Detail>11111111111</Detail>
  </AdditionalDetail>
</RequestData>
```

The value sent is also recorded against the check in the audit trail.

***

## Behaviour when the ABN is missing

| Configuration                     | KVP supplied? | Result                                                                                               |
| :-------------------------------- | :------------ | :--------------------------------------------------------------------------------------------------- |
| Reseller passthrough **enabled**  | Yes           | ABN forwarded to Experian as `AMLObligatedEntityABN`.                                                |
| Reseller passthrough **enabled**  | No            | The check fails validation. No request is sent to Experian, and no credit header result is produced. |
| Reseller passthrough **disabled** | Either        | The KVP is ignored and nothing is forwarded.                                                         |

<Callout icon="thumbtack" color="#1A6CFF" iconType="regular">
  Because a missing ABN stops the check before it reaches Experian, set the KVP on
  the entity **before** running the check. For how Experian results are read once
  the check does run, see
  [Credit Header Results](/docs/v1/kyc/special-result/credit-header-results).
</Callout>