---
title: "Create SubAccount"
method: POST
path: "/v1/accounts/create_accounts"
tags: ["Account Center"]
---

# Create SubAccount

`POST /v1/accounts/create_accounts`

This endpoint allows you to create sub-accounts under one of the following supported business lines:

- `ACQUIRING`
- `BANKING`
- `ISSUING`

Each sub-account must be classified as either a `COMPANY` or an `INDIVIDUAL` entity.

Once the sub-account is created, it must pass review and be activated before it can be used.

For sub-accounts of type `COMPANY`, additional documents are typically required to complete onboarding. Please use the [Get Additional Documents](/account-center/v1.6/api-reference/get-additional-documents) endpoint to retrieve the list of required and optional documents for your scenario.

## Request body

- union
  - object — Information about the individual applying for the account.
    - `entity_type` 'COMPANY' | 'INDIVIDUAL', required — The type of entity for the account.
    - `nickname` string, required — Nickname for the account.
    - `individual_info` ACCOUNTCENTERIndividualInfo — Personal information for individual account registration. - Required when `entity_type` is `INDIVIDUAL`. - `gender` and `annual_income` are required for individual SubAccounts created on or after 2026-07-02.
      - `first_name_english` string, required — Individual's first name in English.
      - `last_name_english` string, required — Individual's last name in English.
      - `name_in_other_language` string — Name in other language (if applicable).
      - `nationality` string, required — Nationality (ISO 3166-1 alpha-2 code).
      - `tax_number` string — Tax identification number. The total length must not exceed 100 characters.
      - `phone_number` string, required — Business contact phone number, including country code.
      - `email_address` string, email, required — Business contact email address.
      - `date_of_birth` string, date, required — Date of birth (YYYY-MM-DD).
      - `gender` 'MALE' | 'FEMALE', required — Individual's gender.
      - `country_or_territory` string, required — Country or territory (ISO 3166-1 alpha-2 code).
      - `street_address` string, required — Street address of the company. The address where you do most of your work.
      - `apartment_suite_or_floor` string — Apartment, suite, unit, or floor (if applicable).
      - `city` string, required — City of the company address.
      - `state` string, required — State or province of the company address.
      - `postal_code` string, required — Postal code of the company address.
      - `employment_status` 'Employed' | 'Self-Employed' | 'Unemployed' | 'Student' | 'Retired' | 'Homemaker' | 'Other', required — The individual's current employment status. Must be one of the supported values.
      - `industry` string, required — The industry in which the individual works. Must be one of the supported values. See [Enum Reference — Individual Account Fields](/account-center/v1.6/guide/enum-reference) for the full list of accepted values.
      - `job_title` string, required — The individual's job title or role. Must be one of the supported values. See [Enum Reference — Individual Account Fields](/account-center/v1.6/guide/enum-reference) for the full list of accepted values.
      - `company_name` string, required — The name of the company or organization the individual works for. Allowed characters: letters, numbers, spaces, and `.,&()\-+%#@*!$^_?~\`.
      - `annual_income` string, required — Individual's annual income, denominated in USD.
    - `identity_verification` ACCOUNTCENTERIdentityVerification — Identity verification information for individuals. - Required when `entity_type` is `INDIVIDUAL`.
      - `identification_type` 'PASSPORT' | 'DRIVERS_LICENSE' | 'NATIONAL_ID', required — Type of identification document.
      - `identification_value` string, required — Identification document number.
      - `identity_docs` string[], required — Identity document, supports base64-encoded content or file id.
      - `face_docs` string[] — Face verification documents of the individual. Accepts a base64-encoded file or a file ID. Requirements: - If the **master account type = TPSP**, KYC is mandatory during sub-account creation. In this case, at least one person must provide `face_docs`. - For `entity_type = COMPANY`: At least one representative with `job_title` = `DIRECTOR`, `BENEFICIAL_OWNER`, or `AUTHORISED_PERSON` must provide `face_docs`. - For `entity_type = INDIVIDUAL`: `face_docs` is mandatory.
    - `expected_activity` ACCOUNTCENTERExpectedActivity — - Required when `entity_type` is `INDIVIDUAL`.
      - `account_purpose` ACCOUNTCENTERIndividualAccountPurpose[], required — Declared purposes for opening the account (for `INDIVIDUAL` entity type).
      - `other_purpose` string — If `account_purpose` includes `OTHERS`, specify the actual purpose.
      - `banking_countries` string[], required — Countries involved in the user's banking activities. Leave empty if `business_type` is `ACQUIRING` or `ISSUING`.
      - `banking_currencies` string[], required — Currencies used in banking transactions. Leave empty if `business_type` is `ACQUIRING` or `ISSUING`.
      - `internationally` 0 | 1, required — Indicates whether the account will be involved in international transactions, including sending or receiving money across borders. - `0`: No - `1`: Yes
      - `turnover_monthly` 'TM001' | 'TM002' | 'TM003' | 'TM004' | 'TM005', required — The total business income for the month, estimated in USD. - `TM001`: Less than 50,000 - `TM002`: 50,000 to 100,000 - `TM003`: 100,000 to 250,000 - `TM004`: 250,000 to 500,000 - `TM005`: Over 500,000
      - `turnover_monthly_currency` string, required — Currency for estimated monthly transaction volume.
    - `proof_documents` ACCOUNTCENTERProofDocuments — - Required when `entity_type` is `INDIVIDUAL`.
      - `proof_of_address` string[] — Proof of address document. Optional for INDIVIDUAL entity type.
      - `source_of_funds` string[] — File reference. Supports base64-encoded content or a file ID issued by UQPAY. - Required when the sub-account needs to apply for a Virtual Account (VA).
      - `proof_of_position_and_income` string[] — Optional document proving employment or income.
      - `other_proof` ACCOUNTCENTEROtherProof[] — Optional supporting document not covered by other fields.
    - `tos_acceptance` ACCOUNTCENTERTosAcceptance — Details on the account's acceptance of the UQPAY Services Agreement This property can only be updated for Custom accounts.
      - `ip` string, ipv4, required — The IP address from which the account representative accepted their service agreement.
      - `date` string, date-time, required — The date when the account representative accepted their service agreement.
      - `user_agent` string, required — The user agent of the browser from which the account representative accepted their service agreement.
      - `tos_agreement` integer — Indicates whether the TPSP Terms of Service (ToS) should be automatically signed. - **Applicable only when** `master account type = TPSP`. - If the value is set to `1`, the TPSP agreement will be automatically signed. - Any other value (including omitted) has no effect.
  - object — Information about the company applying for the account.
    - `entity_type` 'COMPANY' | 'INDIVIDUAL', required — The type of entity for the account.
    - `inherit` 1 | -1, required — Indicates whether the sub-account inherits information from the master account. - `1`: Inherits information from the master account. - `-1`: Does not inherit from the master account. Leave empty if `entity_type` is `INDIVIDUAL`.
    - `nickname` string, required — Nickname for the account.
    - `company_info` ACCOUNTCENTERCompanyInfo — Merchant company information. - Leave empty if `inherit` is `1`.
      - `legal_business_name` string, required — Legal name of the business in its country of incorporation.
      - `legal_business_name_english` string, required — Legal business name in English.
      - `country_of_incorporation` string, required — Country where the business is incorporated (ISO 3166-1 alpha-2 code).
      - `company_type` 'SOLE_PROPRIETOR' | 'LIMITED_COMPANY' | 'PARTNERSHIP' | 'LISTED' | 'OTHERS', required — Type of company entity.
      - `phone_number` string, required — Business contact phone number, including country code.
      - `email_address` string, email, required — Business contact email address.
      - `company_registration_number` string, required — Official company registration number. The total length must not exceed 100 characters.
      - `tax_type` 'VAT' | 'GST' | 'TAX' — Type of tax registration.
      - `tax_number` string — Tax identification number. The total length must not exceed 100 characters.
      - `incorparate_date` string, date, required — Date of company incorporation (YYYY-MM-DD).
      - `certification_of_incorporation` string[], required — Certificate of incorporation. Accepts base64-encoded file or file id.
    - `company_address` ACCOUNTCENTERCompanyAddress — Your company's legal address. - Leave empty if `inherit` is `1`.
      - `street_address` string, required — Street address of the company. The address where you do most of your work.
      - `apartment_suite_or_floor` string — Apartment, suite, unit, or floor (if applicable).
      - `city` string, required — City of the company address.
      - `state` string, required — State or province of the company address.
      - `postal_code` string, required — Postal code of the company address.
    - `ownership_details` ACCOUNTCENTEROwnershipDetails — Ownership information, including representatives and supporting documents. - Leave empty if `inherit` is `1`.
      - `representatives` ACCOUNTCENTERRepresentative[], required — List of company representatives.
        - `legal_first_name_english` string, required — Legal first name in English.
        - `legal_last_name_english` string, required — Legal last name in English.
        - `name_in_other_language` string — Name in other language (if applicable).
        - `email_address` string, email — Business contact email address.
        - `is_applicant` '0' | '1', required — Whether this representative is the applicant. Only one representative can be 1.
        - `job_title` 'DIRECTOR' | 'BENEFICIAL_OWNER' | 'BENEFICIAL_OWNER_AND_DIRECTOR' | 'AUTHORISED_PERSON', required — Job title of the representative.
        - `ownership_percentage` string — Ownership percentage (when applicable).
        - `nationality` string, required — Nationality (ISO 3166-1 alpha-2 code).
        - `tax_number` string — Tax identification number. The total length must not exceed 100 characters.
        - `phone_number` string — Business contact phone number, including country code.
        - `date_of_birth` string, date, required — Date of birth (YYYY-MM-DD).
        - `country_or_territory` string, required — Country or territory (ISO 3166-1 alpha-2 code).
        - `street_address` string, required — Street address of the company. The address where you do most of your work.
        - `apartment_suite_or_floor` string — Apartment, suite, unit, or floor (if applicable).
        - `city` string, required — City of the company address.
        - `state` string, required — State or province of the company address.
        - `postal_code` string, required — Postal code of the company address.
        - `identification_type` 'PASSPORT' | 'DRIVERS_LICENSE' | 'NATIONAL_ID', required — Type of identification document.
        - `identification_value` string, required — Identification document number.
        - `identity_docs` string[], required — Identity document, supports base64-encoded content or file id.
        - `other_documents` ACCOUNTCENTEROtherDocumentsItem[] — Other documents, supports base64-encoded content or file id.
          - `type` 'PROOF_OF_ADDRESS' | 'OTHERS', required — Type of document.
          - `doc_str` string, required — File reference. Supports base64-encoded content or a file ID issued by UQPAY.
        - `face_docs` string[] — Face verification documents of the individual. Accepts a base64-encoded file or a file ID. Requirements: - If the **master account type = TPSP**, KYC is mandatory during sub-account creation. In this case, at least one person must provide `face_docs`. - For `entity_type = COMPANY`: At least one representative with `job_title` = `DIRECTOR`, `BENEFICIAL_OWNER`, or `AUTHORISED_PERSON` must provide `face_docs`. - For `entity_type = INDIVIDUAL`: `face_docs` is mandatory.
      - `shareholder_docs` string[], required — Shareholder supporting documents. Accepts base64-encoded file or file id.
    - `business_details` ACCOUNTCENTERBusinessDetails — Company business details.
      - `country_or_territory` string, required — Country or territory (ISO 3166-1 alpha-2 code).
      - `street_address` string, required — Street address of the company. The address where you do most of your work.
      - `apartment_suite_or_floor` string — Apartment, suite, unit, or floor (if applicable).
      - `city` string, required — City of the company address.
      - `state` string, required — State or province of the company address.
      - `postal_code` string, required — Postal code of the company address.
      - `industry` string, required — The primary industry of the company. It only accepts a number value with string type. See [Industry Code Mapping](/account-center/v1.6/guide/industry-code-mapping) for the full list of codes.
      - `turnover_monthly` 'TM001' | 'TM002' | 'TM003' | 'TM004' | 'TM005', required — The total business income for the month, estimated in USD. - `TM001`: Less than 50,000 - `TM002`: 50,000 to 100,000 - `TM003`: 100,000 to 250,000 - `TM004`: 250,000 to 500,000 - `TM005`: Over 500,000
      - `number_of_employee` 'BS001' | 'BS002' | 'BS003' | 'BS004' | 'BS005', required — An estimated upper bound of employees, contractors, vendors, etc. currently working for the business. - `BS001`: 0-1 Employee - `BS002`: 2-10 Employees - `BS003`: 11-50 Employees - `BS004`: 51-200 Employees - `BS005`: Over 200 Employees
      - `website_url` string — Official website URL of the company.
      - `company_description` string — Brief description of the company's business.
      - `account_purpose` ACCOUNTCENTERCompanyAccountPurpose[] — Declared purposes for opening the account (for `COMPANY` entity type).
      - `banking_currencies` string[] — Currencies used in banking transactions. Leave empty if `business_type` is `ACQUIRING` or `ISSUING`.
      - `banking_countries` string[] — Countries involved in the user's banking activities. Leave empty if `business_type` is `ACQUIRING` or `ISSUING`.
      - `issuing_countries` string[] — Supported issuing countries (comma-separated or as required by system). Leave empty if `business_type` is `ACQUIRING` or `BANKING`.
      - `issuing_monthly` 'TM001' | 'TM002' | 'TM003' | 'TM004' | 'TM005' — Estimated monthly volume of card transactions across all currencies, expressed in USD. Required when `business_type` is `ISSUING`. - `TM001`: Less than 50,000 - `TM002`: 50,000 to 100,000 - `TM003`: 100,000 to 250,000 - `TM004`: 250,000 to 500,000 - `TM005`: Over 500,000
    - `additional_documents` ACCOUNTCENTERAdditionalDocuments — Additional supporting documents for account application. You can retrieve the required and optional document types using the [Get Additional Documents](/account-center/v1.6/api-reference/get-additional-documents) endpoint. It is generally used when creating sub-accounts of type COMPANY under the BANKING business lines.
      - `required_docs` ACCOUNTCENTERDocumentItem[], required — List of mandatory supporting documents.
        - `profile_key` string, required — Unique key representing the profile or document type.
        - `doc_str` string, required — Document value, supports base64 or file id.
      - `option_docs` ACCOUNTCENTERDocumentItem[] — List of optional supporting documents.
        - `profile_key` string, required — Unique key representing the profile or document type.
        - `doc_str` string, required — Document value, supports base64 or file id.
    - `tos_acceptance` ACCOUNTCENTERTosAcceptance — Details on the account's acceptance of the UQPAY Services Agreement This property can only be updated for Custom accounts.
      - `ip` string, ipv4, required — The IP address from which the account representative accepted their service agreement.
      - `date` string, date-time, required — The date when the account representative accepted their service agreement.
      - `user_agent` string, required — The user agent of the browser from which the account representative accepted their service agreement.
      - `tos_agreement` integer — Indicates whether the TPSP Terms of Service (ToS) should be automatically signed. - **Applicable only when** `master account type = TPSP`. - If the value is set to `1`, the TPSP agreement will be automatically signed. - Any other value (including omitted) has no effect.

## Response `200`

Account creation successfully.

- AccountCreateResponse
  - `account_id` string, required — A unique identifier of the account.
  - `short_reference_id` string, required — The short reference ID of the account.
  - `status` string, required — Status of the account. One of the following: * ACTIVE - The account has been activated. * PROCESSING - The account is currently undergoing review and processing. * INACTIVE - The account temporarily inactive * CLOSED - The account has been closed.
  - `verification_status` 'VERIFIED' | 'UNDER_REVIEW' | 'ACTION_REQUIRED', required — The KYC verification outcome for the cardholder associated with this card creation request. * `VERIFIED` - The cardholder's identity has been verified. * `UNDER_REVIEW` - AML or KYC review is in progress. * `ACTION_REQUIRED` - The cardholder must complete an action (such as Sumsub IDV) before the card can be activated.

---

[API](https://skmtc.dev/uqpay/apis/authentication-api.md) · [All operations](https://skmtc.dev/uqpay/apis/authentication-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/uqpay/authentication-api/revisions/cef532a10777/schema)