---
title: "Create credit account"
method: POST
path: "/account"
tags: ["Accounts"]
---

# Create credit account

`POST /account`

## Request

- Base URL: `http://<host-url>`
- URL: `http://<host-url>/account`
- Auth: HTTP bearer

Creates a credit account record in Lume and PayCredit. When repayment_type_id is F or T, provide repayment_fixed_amount as the base fixed repayment amount.

## Headers

- `unique-request-id` string

## Request body

- CreateAccountRequestDto
  - `ac_bill_ccy` string, required: Billing currency (Three digit ISO_4217 standard currency code . i.e. : 048 → BHD, 060 → BMD, 036 → AUD).
  - `ac_ext_ref` string: Optional client provided reference
  - `ac_parent_id` integer, required: Parent account identifier provided by Paymentology. Can be used to create parent child hierarchy. Discuss with Paymentology.
  - `ac_set_ccy` string, required: Settlement currency (Three digit ISO-4217 standard currency code . i.e. : 048 → BHD, 060 → BMD, 036 → AUD).
  - `account_name` string, required: Credit account holder name
  - `balance_limit` number: The credit limit for the account
  - `customer_id` integer, required: Customer identifier returned during customer creation process
  - `delinquency_config_id` integer: Optional delinquency configuration identifier.
  - `product_id` integer, required: Credit product identifier
  - `repayment_fixed_amount` number: Fixed repayment amount used when repayment_type_id is F or T.
  - `repayment_type_id` 'C' | 'F' | 'H' | 'O' | 'T': Repayment type: C - Calculated minimum, F - Fixed amount, H - Higher of product minimum or calculated, O - Outstanding balance, T - Fixed amount plus total interest and total fees.
  - `statement_cycle_parameter` integer: Optional override of Product default. Sets Statement Day for the account, the day in month when Statement is released, e.g. 5th of month. Accepted values 1-28.

## Response `200`

Account created in Lume; PayCredit creation queued

- CreateAccountResponseDto
  - `ac_id` integer: Unique credit account identifier in Lume and PayCredit systems

## Other responses

- `201`: Accounts were successfully created
- `400`: Validation error/Bad Request
- `500`: Server Error

---

[API](https://skmtc.dev/paymentology/apis/paycredit-api.md) - [All operations](https://skmtc.dev/paymentology/apis/paycredit-api/llms.txt) - [OpenAPI document](https://skmtc.dev/paymentology/apis/paycredit-api/revisions/cc56df9c933b?raw)