---
title: "Create a customer"
method: POST
path: "/customers"
tags: ["customers"]
---

# Create a customer

`POST /customers`

Creates a new customer with different verification levels and capabilities. Supports personal verified customers (individuals), business verified customers (businesses), unverified customers, and receive-only users. Customer type determines transaction limits, verification requirements, and available features.

## Headers

- `Accept` 'application/vnd.dwolla.v1.hal+json', required

## Response `201`

successful operation

## Other responses

- `400` — Bad Request
- `403` — forbidden
- `404` — not found

## Changes

- **2025-11-20** `648612da86de` — 1 info
  - removed request discriminator
- **2025-11-19** `e44b6a6d5724` — 1 breaking, 1 info
  - added the new required request property `oneOf[subschema #2: CreateUnverifiedCustomer]/type`
  - added request discriminator
- **2025-07-03** `42af3b323835` — 1 warning, 2 info
  - removed the request property `oneOf[subschema #3: CreateVerifiedPersonalCustomer]/businessName`
  - the `oneOf[subschema #5: CreateVerifiedBusinessCustomerWithController]/controller/dateOfBirth` request property type/format was generalized from `string`/`date` to `string`/``
  - the `oneOf[subschema #6: CreateVerifiedBusinessCustomerWithInternationalController]/controller/dateOfBirth` request property type/format was generalized from `string`/`date` to `string`/``
- …earlier changes not shown

[Full history](https://skmtc.dev/dwolla/apis/dwolla-api/changes/customers/post.md)

---

[API](https://skmtc.dev/dwolla/apis/dwolla-api.md) · [All operations](https://skmtc.dev/dwolla/apis/dwolla-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/dwolla/dwolla-api/revisions/0e13062ae3be/schema)