Create Account

Use the Create Account endpoint to create an account for a new customer. You can use this endpoint for personalized, instant issue, and secondary products.

This endpoint can run customer ID verification (<glossary:IVS>) if the EIVS provider parameter is set. (This endpoint also runs legacy CIP verification and returns the appropriate fields.) Create Account creates a customer record and at the same time creates an account. Depending on product settings, it also creates a card and loads funds onto it.

Consult the <a href="doc:creating-an-account" target="_blank">Creating an Account</a> guide for instructions on using this endpoint, and consult the <a href="doc:customer-id-verification" target="_blank">Customer ID Verification</a> guide for how to use this endpoint with IVS. The instructions have flowcharts to illustrate how Create Account works in the system. Also see <a href="doc:about-accounts#create-account-vs-add-account" target="_blank">Create Account vs Add Account</a> in the About Accounts guide.

📘 Note

You can receive unmasked <a href="ref:pci-sensitive-data" target="_blank">PCI-sensitive data</a> (card_number, card_security_code, expiry_date) only if your provider parameters permit it.

Duplicate use of customer ID

SoFi Tech Solutions can configure your product parameters to allow or disallow the duplicate use of customer IDs such as SSNs across your programs.

Required fields

Most input parameters for this endpoint are not required, to accommodate various use cases. If you would like some of the parameters to be required, populate the PINED product parameter with the parameters to be required. For example: idType,id,idType2,id2.

If this endpoint returns a status code that does not match a status code that is specific to this endpoint, it might be an enrollment status code. See <a href="ref:api-reference-enrollment-statuses" target="_blank">Enrollment Statuses</a> for more information.