---
title: "Create Cardholder"
method: POST
path: "/open-api/v3/cardholders"
tags: ["Cardholder"]
---

# Create Cardholder

`POST /open-api/v3/cardholders`

## Request body

- union
  - CorporateManagedDTO — Corporate-managed card used for internal business expenses, such as advertising, SaaS subscriptions, travel, and logistics.
    - `binId` string, required — The Id of the bin.
    - `accountId` string, uuid, required — The UUID of the Account.
    - `profileId` string, uuid — Optional. Required for MoR mode clients.
    - `cardholderTier` string, required — "CORPORATE_MANAGED"
    - `firstName` string, required — User’s first name. Only English alphabet letters (A–Z, a–z) are allowed. Example: John
    - `lastName` string, required — User’s last name. Only English alphabet letters (A–Z, a–z) are allowed. Example: Smith > **Note:** The combined length of `firstName` and `lastName` (with space) must be ≤ 23 characters.
    - `cardholderRole` 'DEPARTMENT' | 'PROJECT' | 'AUTHORIZED_REPRESENTATIVE', required — Role of the cardholder within the organization, used to distinguish different operational responsibilities.
    - `cardholderLabel` string — Custom label assigned to the cardholder for internal management and identification. Example: Marketing Ad
    - `nameAbbreviation` string — NameAbbreviation is used as an alternative display name when the full name exceeds length constraints or when a shorter format is needed for presentation.
    - `referenceId` string — Unique identifier for referencing the associated request or resource.
    - `email` string, required — User’s email address. Example: user@gmail.com
    - `nationality` string — Two-letter country code of nationality, as defined in ISO 3166-1 alpha-2. Example: US. Required for BB BINs.
    - `dob` string, required — Date of birth in YYYY-MM-DD format. Example: 1990-01-01. Required for BB BINs.
    - `phoneNumber` string, required — Phone number without the country code, length ≤ 15. Example: 13800138000
    - `phoneCountryCode` string, required — The international dialing code of the cardholder's mobile phone, numbers only, no "+", length ≤ 3. Example: 86
    - `ssn` string — 9-digit SSN if country is US. Example: 123456789
    - `address` Address, required — Mailing or billing address
      - `addressLine1` string, required — Primary address line (Street address / PO Box / Company name). English letters only, numbers and common symbols allowed.
      - `addressLine2` string — Secondary address line (Apartment / Suite / Unit / Building). English letters only, numbers and common symbols allowed.
      - `city` string, required — City. English letters and spaces only.
      - `state` string, required — **State / County / Province / Region**: Required for all countries. - For the US and Canada: must provide the subdivision using the two-letter code (e.g., WA for Washington State). - For other countries without a state/province, repeat the country name. - Allowed characters: English letters, numbers, and common symbols.
      - `country` string, required — Two-letter country code, as defined in ISO 3166-1 alpha-2. Example: US
      - `postalCode` string, required — Postal / ZIP code of the address.
  - NamedIndividualDTO — Named individual card issued by a company to a specific employee, contractor, or customer for designated usage.
    - `binId` string, required — The Id of the bin.
    - `accountId` string, uuid, required — The UUID of the Account.
    - `profileId` string, uuid — Optional. Required for MoR mode clients.
    - `cardholderTier` string, required — "NAMED_INDIVIDUAL"
    - `cardholderRelationship` 'EMPLOYEE' | 'CONTRACTOR', required — Relationship between the cardholder and the client organization.
    - `email` string, required — User’s email address. Example: user@gmail.com
    - `firstName` string, required — User’s first name. Only English alphabet letters (A–Z, a–z) are allowed. Example: John
    - `lastName` string, required — User’s last name. Only English alphabet letters (A–Z, a–z) are allowed. Example: Smith > **Note:** The combined length of `firstName` and `lastName` (with space) must be ≤ 23 characters.
    - `nameAbbreviation` string — NameAbbreviation is used as an alternative display name when the full name exceeds length constraints or when a shorter format is needed for presentation.
    - `referenceId` string — Unique identifier for referencing the associated request or resource.
    - `dob` string, required — Date of birth in YYYY-MM-DD format. Example: 1990-01-01. Required for BB BINs.
    - `gender` 'M' | 'F', required — User’s gender. Use "M" for male or "F" for female. Example: M
    - `occupation` string — User's occupation code. Refer to the "Occupation Code" section on the top of the page for valid codes. Example: 11-1011
    - `annualSalary` string — User’s annual salary. Example: 10000 USD
    - `accountPurpose` string — Purpose of the user's account. Example: Living Expense
    - `expectedMonthlyVolume` string — Expected monthly spending. Example: 1000 USD
    - `nationality` string, required — Two-letter country code of nationality, as defined in ISO 3166-1 alpha-2. Example: US. Required for BB BINs.
    - `nationalId` string, required — ID number. Required for passport/driver’s license/national ID. Example: G12345678
    - `idType` 'CN-RIC' | 'PASSPORT' | 'HK-HKID' | 'DLN' | 'Government-Issued ID Card' | 'EU Residency Permit' | 'UAE Residency Permit', required — Type of ID.
    - `ssn` string — 9-digit SSN if country is US. Example: 123456789
    - `issueDate` string — ID issue date in YYYY-MM-DD format. Example: 2018-05-10
    - `expiryDate` string — ID expiry date in YYYY-MM-DD format. Example: 2028-05-10
    - `address` Address, required — Mailing or billing address
      - `addressLine1` string, required — Primary address line (Street address / PO Box / Company name). English letters only, numbers and common symbols allowed.
      - `addressLine2` string — Secondary address line (Apartment / Suite / Unit / Building). English letters only, numbers and common symbols allowed.
      - `city` string, required — City. English letters and spaces only.
      - `state` string, required — **State / County / Province / Region**: Required for all countries. - For the US and Canada: must provide the subdivision using the two-letter code (e.g., WA for Washington State). - For other countries without a state/province, repeat the country name. - Allowed characters: English letters, numbers, and common symbols.
      - `country` string, required — Two-letter country code, as defined in ISO 3166-1 alpha-2. Example: US
      - `postalCode` string, required — Postal / ZIP code of the address.
    - `idFrontId` string, required — File ID of the front side of the ID document (from Upload files API).
    - `idBackId` string — File ID of the back side of the ID document (returned by the Upload files API). This field is not required for passports. For driver's licenses and non-mainland China ID cards, provide the back-side file ID if available; otherwise, reuse the front-side file ID.
    - `selfie` string, required — File ID of the applicant selfie (from Upload files API).
    - `ipAddress` string — User's real IP address. Example: 127.0.0.1
    - `phoneNumber` string, required — Phone number without the country code, length ≤ 15. Example: 13800138000
    - `phoneCountryCode` string, required — The international dialing code of the cardholder's mobile phone, numbers only, no "+", length ≤ 3. Example: 86
  - ConsumerGatewayDTO — Consumer card issued directly to end users for personal use (C USE).
    - `binId` string, required — The Id of the bin.
    - `accountId` string, uuid, required — The UUID of the Account.
    - `cardholderTier` string, required — "CONSUMER"
    - `nameAbbreviation` string — NameAbbreviation is used as an alternative display name when the full name exceeds length constraints or when a shorter format is needed for presentation.
    - `referenceId` string — Unique identifier for referencing the associated request or resource.
  - ConsumerMorDTO — Consumer card issued directly to end users for personal use (C USE).
    - `binId` string, required — The Id of the bin.
    - `accountId` string, uuid, required — The UUID of the Account.
    - `cardholderTier` string, required — "CONSUMER"
    - `email` string, required — User’s email address. Example: user@gmail.com
    - `firstName` string, required — User’s first name. Only English alphabet letters (A–Z, a–z) are allowed. Example: John
    - `lastName` string, required — User’s last name. Only English alphabet letters (A–Z, a–z) are allowed. Example: Smith > **Note:** The combined length of `firstName` and `lastName` (with space) must be ≤ 23 characters.
    - `nameAbbreviation` string — NameAbbreviation is used as an alternative display name when the full name exceeds length constraints or when a shorter format is needed for presentation.
    - `referenceId` string — Unique identifier for referencing the associated request or resource.
    - `dob` string, required — Date of birth in YYYY-MM-DD format. Example: 1990-01-01. Required for BB BINs.
    - `gender` 'M' | 'F', required — User’s gender. Use "M" for male or "F" for female. Example: M
    - `occupation` string — User's occupation code. Refer to the "Occupation Code" section on the top of the page for valid codes. Example: 11-1011
    - `annualSalary` string — User’s annual salary. Example: 10000 USD
    - `accountPurpose` string — Purpose of the user's account. Example: Living Expense
    - `expectedMonthlyVolume` string — Expected monthly spending. Example: 1000 USD
    - `nationality` string, required — Two-letter country code of nationality, as defined in ISO 3166-1 alpha-2. Example: US. Required for BB BINs.
    - `nationalId` string, required — ID number. Required for passport/driver’s license/national ID. Example: G12345678
    - `idType` 'CN-RIC' | 'PASSPORT' | 'HK-HKID' | 'DLN' | 'Government-Issued ID Card' | 'EU Residency Permit' | 'UAE Residency Permit', required — Type of ID.
    - `ssn` string — 9-digit SSN if country is US. Example: 123456789
    - `issueDate` string — ID issue date in YYYY-MM-DD format. Example: 2018-05-10
    - `expiryDate` string — ID expiry date in YYYY-MM-DD format. Example: 2028-05-10
    - `address` Address, required — Mailing or billing address
      - `addressLine1` string, required — Primary address line (Street address / PO Box / Company name). English letters only, numbers and common symbols allowed.
      - `addressLine2` string — Secondary address line (Apartment / Suite / Unit / Building). English letters only, numbers and common symbols allowed.
      - `city` string, required — City. English letters and spaces only.
      - `state` string, required — **State / County / Province / Region**: Required for all countries. - For the US and Canada: must provide the subdivision using the two-letter code (e.g., WA for Washington State). - For other countries without a state/province, repeat the country name. - Allowed characters: English letters, numbers, and common symbols.
      - `country` string, required — Two-letter country code, as defined in ISO 3166-1 alpha-2. Example: US
      - `postalCode` string, required — Postal / ZIP code of the address.
    - `idFrontId` string, required — File ID of the front side of the ID document (from Upload files API).
    - `idBackId` string — File ID of the back side of the ID document (returned by the Upload files API). This field is not required for passports. For driver's licenses and non-mainland China ID cards, provide the back-side file ID if available; otherwise, reuse the front-side file ID.
    - `selfie` string, required — File ID of the applicant selfie (from Upload files API).
    - `ipAddress` string — User's real IP address. Example: 127.0.0.1
    - `phoneNumber` string, required — Phone number without the country code, length ≤ 15. Example: 13800138000
    - `phoneCountryCode` string, required — The international dialing code of the cardholder's mobile phone, numbers only, no "+", length ≤ 3. Example: 86

## Response `200`

OK

- CardholderRespDTO
  - `code` string — Error code
  - `message` string — Error message
  - `data` Cardholder, required — data
    - `id` string, required — cardholderId
    - `accountId` string, required — accountId
    - `status` string, required — status
    - `firstName` string, required — first name
    - `lastName` string, required — last name
    - `userName` string, required — user name
    - `email` string, required — email
    - `phoneNumber` string — Phone number without the country code, length ≤ 15. Example: 13800138000
    - `phoneCountryCode` string — The international dialing code of the cardholder's mobile phone, numbers only, no "+", length ≤ 3. Example: 86
    - `dob` string — Date of birth in YYYY-MM-DD format. Example: 1990-01-01
    - `nationality` string — Two-letter country code of nationality, as defined in ISO 3166-1 alpha-2. Example: US
    - `rejectReason` string — Reject reason
    - `address` Address — Mailing or billing address
      - `addressLine1` string, required — Primary address line (Street address / PO Box / Company name). English letters only, numbers and common symbols allowed.
      - `addressLine2` string — Secondary address line (Apartment / Suite / Unit / Building). English letters only, numbers and common symbols allowed.
      - `city` string, required — City. English letters and spaces only.
      - `state` string, required — **State / County / Province / Region**: Required for all countries. - For the US and Canada: must provide the subdivision using the two-letter code (e.g., WA for Washington State). - For other countries without a state/province, repeat the country name. - Allowed characters: English letters, numbers, and common symbols.
      - `country` string, required — Two-letter country code, as defined in ISO 3166-1 alpha-2. Example: US
      - `postalCode` string, required — Postal / ZIP code of the address.
    - `referenceId` string — Unique identifier for referencing the associated request or resource.
    - `cardBinList` string[], required — bin List

## Other responses

- `400` — Bad Request

---

[API](https://skmtc.net/interlace/apis/core-resource.md) · [All operations](https://skmtc.net/interlace/apis/core-resource/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/interlace/core-resource/versions/29c08a4da357/schema)