---
title: "New Customer"
method: POST
path: "/customer"
tags: ["Customer"]
---

# New Customer

`POST /customer`

Create customer profile to save the payment methods a customer can use, facilitating recurring transactions and track their payment history. A customer object is beneficial to store a card token for subscriptions or create a Finmo customer wallet to manage their funds.

> To issue a Customer Wallet or Virtual Account(VA), Finmo is required to collect additional information to meet regulatory requirements for account creation. You must provide all mandatory fields to enable these capabilities. Use the [Get Customer Fields API](/reference/getcustomerfields) to retrieve the complete list of required fields.

<hr/>

**Customer creation journey:**
When a customer is created with all mandatory fields, their status is set to UNDER_REVIEW by default. If any mandatory fields are missing, the status will be PENDING_INFO. After review, the customer will be assigned one of the two final statuses: APPROVED or SUSPENDED.	

![Customer Creation Journey](https://finmo-assets.s3.ap-southeast-2.amazonaws.com/api-docs/customer/Customer_Flow.png)

**Status Flag - distinct values & meanings:**
1. **PENDING_INFO:** Customers can be created in a PENDING_INFO state by providing a minimal set of fields intended for non-transactional use-cases such as Accounts Receivable (AR). Following minimal details are required to create a customer:
      [*Customer Type:* **Company**: name; **Individual**: first_name, last_name]
2. **UNDER_REVIEW:** Only when all mandatory customer fields are provided, UNDER_REVIEW customer status is observed intermittently. Mandatory fields for creating a transactional customer can be retrieved via [Get Customer Fields API](/reference/getcustomerfields).
3. **APPROVED:** Allowed to create customer wallets, VAs and send/receive funds corresponding to a customer.
4. **SUSPENDED:** Only non-transactional use case-cases such as AR are allowed.

<hr/>

**Note:**
1. We recommend integrating the [Get Customer Fields API](/reference/getcustomerfields) into your customer creation or update workflow to fetch the mandatory fields and pass the required values in the [**Create Customer API**](/reference/newcustomer-1) or [**Update Customer API**](/reference/updatecustomer-1), as applicable.
2. This ensures that the customer moves to the UNDER_REVIEW state and, upon approval, can be used to create Customer Wallets or Virtual Accounts and to send or receive funds for that customer.
3. Please ensure that all required mandatory documents are uploaded before creating a customer. You can refer to the [**Document Upload API.**](/reference/createorganizationdocument-1) for more information.

## Request body

- object
  - `description` string — Description about Customer
  - `type` string, required — Type of customer Company or Individual
  - `organization_reference_id` string — Organization Reference Id
  - `metadata` object — Custom Data
  - `account_usage_purpose` string, required — Purpose of opening the account
  - `company` object — **Conditionally Required:** Either an Individual object or a Company object must be specified, but not both.
    - `name` string, required — Name
    - `registration_number` string, required — Company registration number For 'sole-prop' business, please create an individual customer
    - `incorporation_country` string, required — Country of Incorporation. (ISO 3166-1, 2-char alphabetic code)
    - `incorporation_date` string, date, required — Date of Incorporation
    - `email` string — Company Email Address
    - `address_line1` string, required — Address Line 1
    - `address_line2` string — Address Line 2
    - `address_city` string, required — City
    - `address_state` string, required — State
    - `address_country` string, required — Country
    - `address_zip_code` string, required — Valid Zip/Postal Code
    - `phone_country_code` string, required — Country Code
    - `phone_number` string, required — Phone Number
    - `incorporation_certificate_document_id` string, required — org_document_id of the incorporation certificate
    - `address_proof_document_id` string, required — org_document_id of the address proof
    - `authorized_user` object — **Conditionally Required:** Authorized user (Should be present when type is company)
      - `first_name` string, required — First Name
      - `last_name` string, required — Last Name
      - `dob` string, required — Date of birth
      - `email` string — Email Id
      - `identification_custom_type` string — Indentity Custom type
      - `identification_type` string, required — Type of identity document: WORK_PERMIT, PASSPORT, NATIONAL_ID, DRIVERS_LICENCE, OTHERS
      - `identification_value` string, required — Indentity Value
      - `nationality` string, required — Nationality
      - `address_line1` string, required — Address Line 1
      - `address_line2` string — Address Line 2
      - `address_state` string, required — State
      - `address_city` string, required — City
      - `address_country` string, required — Country
      - `address_zip_code` string, required — Valid Zip/Postal Code
      - `country_of_residence` string, required — Country of residence
      - `phone_country_code` string, required — Country Code
      - `phone_number` string, required — Phone Number
      - `identification_document_id` string, required — org_document_id of the identification document
      - `address_proof_document_id` string, required — org_document_id of the address proof
  - `individual` object — **Conditionally Required:** Either an Individual object or a Company object must be specified, but not both.
    - `first_name` string, required — First Name
    - `last_name` string, required — Last Name
    - `dob` string, required — Date of birth
    - `email` string — Email Id
    - `identification_type` string, required — Type of identity document: WORK_PERMIT, PASSPORT, NATIONAL_ID, DRIVERS_LICENCE, OTHERS
    - `identification_custom_type` string — Indentity Custom type
    - `identification_value` string, required — Indentity Value
    - `address_line1` string, required — Address Line 1
    - `address_line2` string — Address Line 2
    - `address_city` string, required — City
    - `address_state` string, required — State
    - `address_country` string, required — Country
    - `address_zip_code` string, required — Valid Zip/Postal Code
    - `country_of_residence` string, required — Country of residence
    - `nationality` string, required — Nationality
    - `phone_country_code` string, required — Country Code
    - `phone_number` string, required — Phone Number
    - `identification_document_id` string, required — org_document_id of the identification document
    - `address_proof_document_id` string, required — org_document_id of the address proof

## Response `201`

Created

## Other responses

- `400` — Bad Request

---

[API](https://skmtc.dev/finmo/apis/finmo-api.md) · [All operations](https://skmtc.dev/finmo/apis/finmo-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/finmo/finmo-api/revisions/1a3073c93930/schema)