---
title: "Create credit account"
method: POST
path: "/account"
tags: ["Accounts"]
---

# Create credit account

`POST /account`

Creates credit account record in Banking.Live and PayCredit

## Headers

- `client-id` integer, required
- `unique-request-id` string

## Request body

- CreateAccountRequestDto
  - `account_name` string, required — Credit account holder name
  - `customer_id` integer, required — Customer identifier returned during customer creation process
  - `ac_parent_id` integer, required — Parent account identifier provided by Paymentology. Can be used to create parent child hierarchy. Discuss with Paymentology.
  - `ac_set_ccy` string, required — Settlement currency (Three digit ISO-4217 standard currency code . i.e. : 048 → BHD, 060 → BMD, 036 → AUD).
  - `ac_bill_ccy` string, required — Billing currency (Three digit ISO_4217 standard currency code . i.e. : 048 → BHD, 060 → BMD, 036 → AUD).
  - `product_id` integer, required — Credit product identifier
  - `balance_limit` number — The credit limit for the account
  - `statement_cycle_parameter` integer — Optional override of Product default. Sets Statement Day for the account, the day in month when Statement is released, e.g. 5th of month. Accepted values 1-28.
  - `repayment_type_id` string — C - Calculated minimum, F - Fixed amount, H - Higher of product minimum or calculated, O - Outstanding balance
  - `delinquency_config_id` integer — Optional delinquency configuration identifier.
  - `ac_ext_ref` string — Optional client provided reference

## Response `200`

Accounts were successfully created

- CreateAccountResponseDto
  - `ac_id` integer — Unique credit account identifier in Banking.Live and PayCredit systems

## Other responses

- `400` — Validation error/Bad Request
- `500` — Server Error

---

[API](https://skmtc.net/paymentology/apis/payapi-docs.md) · [All operations](https://skmtc.net/paymentology/apis/payapi-docs/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/paymentology/payapi-docs/revisions/a675891b0365/schema)