---
title: "Create Account"
method: POST
path: "/createAccount"
tags: ["Accounts and Cards"]
---

# Create Account

`POST /createAccount`

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.

## Response `default`

- object
  - `status_code` integer, nullable, required — The response status code. May return a string for some statuses.
  - `status` string, nullable, required — The condition of a process or response
  - `processing_time` number, float, nullable, required — The time elapsed in processing the transaction
  - `echo` object, nullable, required — A structure that contains transaction ID information
    - `transaction_id` string, nullable, required — An ID that represents an API transaction
    - `provider_timestamp` string, date-time, nullable, required — Store a related timestamp for reporting and troubleshooting purposes
    - `provider_transaction_id` string, nullable, required — Secondary transaction identifier (generated by a provider)
  - `system_timestamp` string, date-time, nullable, required — A system generated timestamp
  - `rtoken` string, nullable, required — A system-generated ID used for tracking
  - `errors` string[] — A list of errors generated while the request was processed
  - `response_data` object, nullable, required — A structure for the response data. It can be empty but usually will contain information.
    - `xid` string — _Internal providers only_. System-generated internal identifier for the account. Has a 1:1 relationship with the PRN.
    - `pmt_ref_no` string, required — System-generated account number (<<glossary:PRN>>).
    - `product_id` string, required — Identifier for the product associated with the account
    - `galileo_account_number` string, required — System-generated balance ID
    - `cip` object[], nullable, required — List of customer ID verification objects, either <<glossary:IVS>> or Legacy CIP, as indicated.
      - `status` string, required — Status of the <<glossary:IVS>> verification: `Pass`, `Fail`, `Refer`, `In Progress`.
      - `model_results` object[], nullable — _Legacy CIP only_. List of model objects.
        - `model_name` string, nullable, required — _Legacy CIP only_. The model name
        - `model_version` integer, nullable, required — _Legacy CIP only_. Version number for the model used
        - `code` string, nullable, required — _Legacy CIP only_. In a model run, lists the pass number
        - `text` string, nullable, required — _Legacy CIP only_. Plaintext description of the code value
      - `date_time` string, date-time, nullable — _Legacy CIP only_. Timestamp for when CIP was run.
      - `first_name` string, nullable — _Legacy CIP only_. Account holder's first name
      - `middle_name` string, nullable — _Legacy CIP only_. Account holder's middle name
      - `last_name` string, nullable — _Legacy CIP only_. Account holder's last name
      - `address_1` string, nullable — _Legacy CIP only_. First line of the account holder's address
      - `address_2` string, nullable — _Legacy CIP only_. Second line of the account holder's address
      - `city` string, nullable — _Legacy CIP only_. Account holder's city
      - `state` string, nullable — _Legacy CIP only_. Account holder's state
      - `primary_phone` string, nullable — _Legacy CIP only_. Account holder's primary phone number
      - `other_phone` string, nullable — _Legacy CIP only_. Account holder's other phone number
      - `entity_id` string — _IVS only_. System-generated ID for the entity. Currently contains the app ID.
      - `customer_id` string — _IVS only_. System-generated ID for the customer undergoing verification. Currently contains the app ID.
    - `card_id` string, nullable — System-generated <<glossary:CAD>>. Use this ID instead of the <<glossary:PAN>> if not PCI-compliant. `None` means that no card was created.
    - `new_emboss_uuid` string, nullable — UUID for an emboss record that has not yet been sent to the embosser.
    - `card_number` string, nullable, required — The primary account number (PAN) printed on the card
    - `expiry_date` string, date, nullable, required — YYYY-MM-DD. The card expires on the last day of the month (MM). Ignore the day (DD).
    - `card_security_code` string, nullable, required — The card verification value (CVV2)
    - `emboss_line_2` string, nullable, required — Second line to emboss on the card
    - `billing_cycle_day` integer, nullable, required — The day of the month the billing cycle starts for the account

---

[API](https://skmtc.net/galileo-ft/apis/program-api.md) · [All operations](https://skmtc.net/galileo-ft/apis/program-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/galileo-ft/program-api/versions/bcd728f97a18/schema)