---
title: "Create a holder"
method: POST
path: "/merchant/holders"
tags: ["Holders"]
---

# Create a holder

`POST /merchant/holders`

Create a holder.

## Headers

- `x-idempotency-key` string, uuid, required

## Request body

- object
  - `reference` string, required — Merchant-specific reference for the Holder. Usually mapped to the user ID in the merchant's system.
  - `type` string — Value of merchant-defined enumeration of Holder Types.

## Response `201`

Created.

- object
  - `id` string, uuid, required — Unique identifier of the Holder in Payrails.
  - `reference` string, required — Merchant-provided reference for the transaction counterparty, i.e. the paying consumer.
  - `createdAt` string, date-time — Date and time when the Holder was created.
  - `status` string[] — Status of the Holder in Payrails.
  - `type` string — Value of merchant-defined enumeration of Holder Types.

## Other responses

- `400` — Bad Request.
- `401` — Unauthorized.
- `403` — Insufficient Scope.
- `404` — Not Found.

---

[API](https://skmtc.net/payrails/apis/payrails-api-reference.md) · [All operations](https://skmtc.net/payrails/apis/payrails-api-reference/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/payrails/payrails-api-reference/revisions/9dd2f0158582/schema)