---
title: "Create customer beneficial owner"
method: POST
path: "/customers/{id}/beneficial-owners"
tags: ["beneficial owners"]
---

# Create customer beneficial owner

`POST /customers/{id}/beneficial-owners`

Creates a new beneficial owner for a business verified customer. Beneficial owners are individuals who own 25% or more of the company's equity. Requires personal information, address, and SSN or passport for identity verification.

## Path parameters

- `id` string, required

## Headers

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

## Request body

- union
  - CreateUSBeneficialOwner — Create a US Beneficial Owner (identified by SSN). For US-based beneficial owners only. Use SSN for identity verification instead of passport.
    - `firstName` string, required
    - `lastName` string, required
    - `dateOfBirth` string, required
    - `address` InternationalAddress, required
      - `address1` string, required
      - `address2` string
      - `address3` string
      - `city` string, required
      - `postalCode` string
      - `country` string, required
      - `stateProvinceRegion` string, required
    - `ssn` string, required
  - CreateInternationalBeneficialOwner — Create an International Beneficial Owner (identified by Passport). For non-US beneficial owners who don't have a US SSN. Requires passport information for identity verification.
    - `firstName` string, required
    - `lastName` string, required
    - `dateOfBirth` string, required
    - `address` InternationalAddress, required
      - `address1` string, required
      - `address2` string
      - `address3` string
      - `city` string, required
      - `postalCode` string
      - `country` string, required
      - `stateProvinceRegion` string, required
    - `passport` Passport, required
      - `number` string, required
      - `country` string, required

## Response `201`

successful operation

## Other responses

- `400` — Bad Request
- `403` — Forbidden
- `404` — Not Found

## Changes

- **2025-07-01** `8a20e7000645` — 1 breaking, 1 info
  - removed `#/components/schemas/BeneficialOwnerWithSsn, #/components/schemas/BeneficialOwnerWithPassport` from the request body `oneOf` list
  - added `#/components/schemas/CreateUSBeneficialOwner, #/components/schemas/CreateInternationalBeneficialOwner` to the request body `oneOf` list
- **2025-06-06** `231d0268586b` — 1 breaking, 3 info
  - request body became required
  - added the non-success response with the status `400`
  - added the non-success response with the status `403`
  - added the non-success response with the status `404`
- **2025-05-23** `4c8b16e05918` — 1 breaking
  - added the new required `header` request parameter `Accept`

[Change history](https://skmtc.dev/dwolla/apis/dwolla-api/changes/customers/:id/beneficial-owners/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.dev/dwolla/apis/dwolla-api/revisions/7877985e14b4?raw)