Create Customer - (Full KYC)

This endpoint is used to create an account for a customer issuing a card. A customer tracking ID is returned which can be used access other resource such as virtual card, USD, GBP, EUR accounts etc.

POST {{base_url}}/business/fullkyc-customer

Headers

Name

Type

Description

Authorization*

String

SECRET_KEY

Request Body

Name

Type

Description

first_name*

Sting

Customer first name e.g John

last_name*

String

Customer lastname e.g Doe

email_address*

String

Customer Email e.g [email protected]

phone_number*

String

Customer mobile number e.g +2347012345689

address*

Object

Check sample request below

bvnno*

String

21345678900

identity*

Object

Check sample request below

birth_date*

String

Date of birth in format yyyy-mm-dd. Must be at least 18 years old. e.g 2000-03-23

nationality*

String

The ISO 3166-1 (three-character) country code representing the nationality of the customer. e.g NGR

middle_name

Stringg

e.g Faith

employement_status*

String

Customer current employment status e.g employed, homemaker, retired, self_employed, student, unemployed

taxno

String

29323239D2

gender*

String

Customer gender i.e male or female

Your secret keys are to be kept secret and only stored on your servers. Do not pass your secret key to the front-end language where it can be exploited.

Sample Identity type - PASSPORT, NIN, DRIVER_LICENSE, VOTER_CARD, NATIONAL_IDENTITY

Take a look at how you might do this:

curl --location '{{base_url}}/business/fullkyc-customer' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer SECRET_KEY' \
--data-raw '{
    "first_name": "John",
    "last_name": "Doe",
    "phone_number": "07012345678",
    "bvnno": "20123456780",
    "birth_date": "2000-03-23",
    "nationality": "NGR",
    "middle_name": "Faith",
    "gender": "male",
    "employment_status": "EMPLOYED",
    "email_address": "[email protected]",
    "taxno": "29323239D2",
    "address": {
        "house_no": "5",
        "street": "queen Estate, Alen road",
        "city": "Ikeja",
        "state": "Lagos State",
        "country": "Nigeria",
        "postal_code": "110320"
    },
    "identity": {
        "idtype": "National identity",
        "idno": "24H675B9084",
        "expiry_date": "24H675B9084",
        "idfront_url": "https://res.cloudinary.com/site/image/upload/v1714257348/idcard2.png",
        "idback_url": "https://res.cloudinary.com/site/image/upload/v1714257348/idcard2.png",
        "issuance_country": "Nigeria"
    }

}'

const axios = require('axios');
let data = JSON.stringify({
  "first_name": "John",
  "last_name": "Doe",
  "phone_number": "07012345678",
  "bvnno": "20123456780",
  "birth_date": "2000-03-23",
  "nationality": "NGR",
  "middle_name": "Faith",
  "gender": "male",
  "employment_status": "EMPLOYED",
  "email_address": "[email protected]",
  "taxno": "29323239D2",
  "address": {
    "house_no": "5",
    "street": "queen Estate, Alen road",
    "city": "Ikeja",
    "state": "Lagos State",
    "country": "Nigeria",
    "postal_code": "2323"
  },
  "identity": {
    "idtype": "National identity",
    "idno": "24H675B9084",
    "expiry_date": "24H675B9084",
        "idfront_url": "https://res.cloudinary.com/site/image/upload/v1714257348/idcard2.png",
        "idback_url": "https://res.cloudinary.com/site/image/upload/v1714257348/idcard2.png",
    "issuance_country": "Nigeria"
  }
});

let config = {
  method: 'post',
  maxBodyLength: Infinity,
  url: '{{base_url}}/business/fullkyc-customer',
  headers: { 
    'Content-Type': 'application/json', 
    'Authorization': 'Bearer SECRET_KEY' 
  },
  data : data
};

axios.request(config)
.then((response) => {
  console.log(JSON.stringify(response.data));
})
.catch((error) => {
  console.log(error);
});

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => '{{base_url}}/business/fullkyc-customer',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS =>'{
    "first_name": "John",
    "last_name": "Doe",
    "phone_number": "07012345678",
    "bvnno": "20123456780",
    "birth_date": "2000-03-23",
    "nationality": "MGR",
    "middle_name": "Faith",
    "gender": "male",
    "employment_status": "EMPLOYED",
    "email_address": "[email protected]",
    "taxno": "29323239D2",
    "address": {
        "house_no": "5",
        "street": "queen Estate, Alen road",
        "city": "Ikeja",
        "state": "Lagos State",
        "country": "Nigeria",
        "postal_code": "2323"
    },
    "identity": {
        "idtype": "National identity",
        "idno": "24H675B9084",
        "expiry_date": "24H675B9084",
        "idfront_url": "https://res.cloudinary.com/site/image/upload/v1714257348/idcard2.png",
        "idback_url": "https://res.cloudinary.com/site/image/upload/v1714257348/idcard2.png",
        "issuance_country": "Nigeria"
    }

}',
  CURLOPT_HTTPHEADER => array(
    'Content-Type: application/json',
    'Authorization: Bearer SECRET_KEY',
  ),
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

var headers = {
  'Content-Type': 'application/json',
  'Authorization': 'Bearer SECRET_KEY'
};
var request = http.Request('POST', Uri.parse('{{base_url}}/business/fullkyc-customer'));
request.body = json.encode({
  "first_name": "John",
  "last_name": "Doe",
  "phone_number": "07012345678",
  "bvnno": "20123456780",
  "birth_date": "2000-03-23",
  "nationality": "NGR",
  "middle_name": "Faith",
  "gender": "male",
  "employment_status": "EMPLOYED",
  "email_address": "[email protected]",
  "taxno": "29323239D2",
  "address": {
    "house_no": "5",
    "street": "queen Estate, Alen road",
    "city": "Ikeja",
    "state": "Lagos State",
    "country": "Nigeria",
    "postal_code": "2323"
  },
  "identity": {
    "idtype": "National identity",
    "idno": "24H675B9084",
    "expiry_date": "24H675B9084",
        "idfront_url": "https://res.cloudinary.com/site/image/upload/v1714257348/idcard2.png",
        "idback_url": "https://res.cloudinary.com/site/image/upload/v1714257348/idcard2.png",
    "issuance_country": "Nigeria"
  }
});
request.headers.addAll(headers);

http.StreamedResponse response = await request.send();

if (response.statusCode == 200) {
  print(await response.stream.bytesToString());
}
else {
  print(response.reasonPhrase);
}

Sample response

{
    "status": true,
    "responsecode": "01",
    "message": "Customer account fully created for John Doe",
    "trackid": "06211211"
}

PreviousCreate Customer(Tier 1)NextVirtual Card

Last updated 6 months ago

$curl = curl_init();

curl_setopt_array($curl, array(
  CURLOPT_URL => '{{base_url}}/business/fullkyc-customer',
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS =>'{
    "first_name": "John",
    "last_name": "Doe",
    "phone_number": "07012345678",
    "bvnno": "20123456780",
    "birth_date": "2000-03-23",
    "nationality": "MGR",
    "middle_name": "Faith",
    "gender": "male",
    "employment_status": "EMPLOYED",
    "email_address": "[email protected]",
    "taxno": "29323239D2",
    "address": {
        "house_no": "5",
        "street": "queen Estate, Alen road",
        "city": "Ikeja",
        "state": "Lagos State",
        "country": "Nigeria",
        "postal_code": "2323"
    },
    "identity": {
        "idtype": "National identity",
        "idno": "24H675B9084",
        "expiry_date": "24H675B9084",
        "idfront_url": "https://res.cloudinary.com/site/image/upload/v1714257348/idcard2.png",
        "idback_url": "https://res.cloudinary.com/site/image/upload/v1714257348/idcard2.png",
        "issuance_country": "Nigeria"
    }

}',
  CURLOPT_HTTPHEADER => array(
    'Content-Type: application/json',
    'Authorization: Bearer SECRET_KEY',
  ),
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;

hashtagHeaders

hashtagRequest Body

hashtagSample response

Headers

Request Body

Sample response