Create Account
Creates an account. User tokens create business accounts; Account API keys create connected accounts. Tax fields (tax_remitted_by, tax_type, product_tax_code_id, business_address, tax_identifiers) are configured with Update Account, not at creation.
Headers
A unique key that makes this request safe to retry. See Idempotent requests.
Request body
Example request
{
"affiliate_code": "random-username-45-xxxxxxxx",
"blueprint_id": "app_xxxxxxxxxxxxxx",
"country": "US",
"email": "marcus@shinetime.example",
"metadata": {
"external_id": "user_12345"
},
"title": "Shine Time Auto Detailing"
}Response
account created
Example response
{
"balances": [
{
"balance": "50.0",
"breakdown": {
"available": "1500.0",
"in_transit": "0",
"pending": "0",
"pending_settlements": [
{
"amount": "12.5",
"date": "2026-01-01"
}
],
"reserve": "0"
},
"icon_url": "https://assets.whop.com/tokens/usd.png",
"name": "US Dollar",
"price_usd": 1,
"symbol": "USD",
"value_usd": "50.00"
}
],
"banner_image_url": "https://whop-assets-example.s3.amazonaws.com/uploads/image/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"business_address": {
"city": "Austin",
"country": "US",
"line1": "4180 Burnet Rd",
"line2": "Suite 2",
"postal_code": "78756",
"state": "TX"
},
"business_name": "Shine Time Auto Detailing, LLC",
"business_type": "other",
"capabilities": {
"accept_bank_payments": "active",
"accept_bnpl_payments": "inactive",
"accept_card_payments": "active",
"bank_deposit": "inactive",
"card_deposit": "active",
"card_issuing": "inactive",
"crypto_deposit": "active",
"crypto_payout": "inactive",
"instant_payout": "inactive",
"run_ads": "active",
"standard_payout": "inactive",
"transfer": "inactive"
},
"cards": {
"kind": "individual",
"status": "approved"
},
"collect_vat_id": true,
"company_formation": {
"documents": [
{
"id": "file_xxxxxxxxxxxxxx",
"name": "Articles of Organization",
"type": "articles_of_organization",
"url": "https://whop-assets-example.s3.amazonaws.com/uploads/audio/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx"
}
],
"legal_name": "Shine Time Auto Detailing, LLC",
"signatures": {
"form8821": {
"expires_at": "2026-01-01T12:00:00.000Z",
"status": "pending",
"url": "https://sign.doola.com/shine-time-auto-detailing/form8821"
},
"ss4": {
"expires_at": "2026-01-01T12:00:00.000Z",
"status": "pending",
"url": "https://sign.doola.com/shine-time-auto-detailing/form8821"
}
},
"state_registered": true
},
"country": "us",
"created_at": "2026-01-01T12:00:00.000Z",
"description": "Mobile ceramic coating, paint correction, and interior detailing across the Austin metro.",
"email": "marcus@shinetime.example",
"eula": {
"content_type": "application/pdf",
"created_at": "2026-01-01T12:00:00.000Z",
"filename": "evidence.pdf",
"id": "file_xxxxxxxxxxxxxx",
"multipart_chunk_size": 5242880,
"multipart_upload_id": "upload-id",
"multipart_upload_urls": [
{
"part_number": 1,
"url": "https://whop-assets-example.s3.amazonaws.com/uploads/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/application.pdf"
}
],
"object": "file",
"size": 9670,
"upload_headers": {},
"upload_status": "pending",
"upload_url": "https://whop-assets-example.s3.amazonaws.com/uploads/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/application.pdf",
"url": "https://whop-assets-example.s3.amazonaws.com/uploads/audio/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"visibility": "private"
},
"home_preferences": [
"hide_member_count"
],
"id": "biz_xxxxxxxxxxxxxx",
"industry_group": "automotive",
"industry_type": "other",
"invoice_prefix": "SHINE",
"logo_url": "https://whop-assets-example.s3.amazonaws.com/uploads/image/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"metadata": {
"external_id": "shop_4417",
"region": "austin"
},
"onboarding_type": "seller",
"opengraph_image_url": "https://whop-assets-example.s3.amazonaws.com/uploads/image/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"opengraph_image_variant": "black",
"other_business_description": "Mobile auto detailing",
"other_industry_description": "Automotive services",
"owner": {
"id": "user_xxxxxxxxxxxxxx",
"name": "Dana Whitfield",
"profile_picture": {
"url": "https://ui-avatars.com/api/"
},
"username": "danawhitfield"
},
"parent_account": {
"id": "biz_xxxxxxxxxxxxxx",
"logo_url": "https://whop-assets-example.s3.amazonaws.com/uploads/image/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"route": "shine-time-holdings",
"title": "Shine Time Holdings"
},
"payment_controls": {
"dispute_alert_auto_refund": {
"threshold_usd": 500
},
"dispute_alert_fee_usd": 29,
"pending_auto_topup_fee_percentage": 2,
"reserve": {
"hold_period_days": 14,
"percentage": 15
},
"resolution_center_auto_refund": {
"card_threshold_usd": 50,
"financing_threshold_usd": 25,
"paypal_threshold_usd": 40
},
"restricted_payment_methods": [
"card_visa"
],
"undated_pending_reason": "pending_information_request",
"withdrawal_schedule": {
"frequency": "manual"
}
},
"privacy_policy": {
"content_type": "application/pdf",
"created_at": "2026-01-01T12:00:00.000Z",
"filename": "evidence.pdf",
"id": "file_xxxxxxxxxxxxxx",
"multipart_chunk_size": 5242880,
"multipart_upload_id": "upload-id",
"multipart_upload_urls": [
{
"part_number": 1,
"url": "https://whop-assets-example.s3.amazonaws.com/uploads/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/application.pdf"
}
],
"object": "file",
"size": 9670,
"upload_headers": {},
"upload_status": "pending",
"upload_url": "https://whop-assets-example.s3.amazonaws.com/uploads/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/application.pdf",
"url": "https://whop-assets-example.s3.amazonaws.com/uploads/audio/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"visibility": "private"
},
"product_tax_code": {
"id": "ptc_xxxxxxxxxxxxxx",
"name": "General - Digital Goods",
"product_type": "digital"
},
"recommended_actions": [
{
"action": "apply_for_financing",
"blocked_capabilities": [
"accept_bnpl_payments"
],
"cta": "https://whop.com/dashboard/biz_xxxxxxxxxxxxxx/settings/payments/",
"cta_label": "Apply",
"description": "Let customers pay over time with buy now, pay later.",
"icon_url": "https://whop.com/illustrations/orange/piggy-bank.svg",
"impact_score": 86,
"reasoning": "Financing lifts conversion on the $249 ceramic coating, the priciest job on the menu.",
"status": "optional",
"title": "Offer financing at checkout"
}
],
"require_2fa": true,
"required_actions": [
{
"action": "verify_identity",
"blocked_capabilities": [
"standard_payout"
],
"cta": "https://whop.com/dashboard/biz_xxxxxxxxxxxxxx/balance/",
"cta_label": "Verify now",
"description": "Complete verification to withdraw your earnings.",
"icon_url": "https://whop.com/illustrations/orange/shield.svg",
"status": "required",
"title": "Complete your identity verification"
}
],
"return_policy": {
"content_type": "application/pdf",
"created_at": "2026-01-01T12:00:00.000Z",
"filename": "evidence.pdf",
"id": "file_xxxxxxxxxxxxxx",
"multipart_chunk_size": 5242880,
"multipart_upload_id": "upload-id",
"multipart_upload_urls": [
{
"part_number": 1,
"url": "https://whop-assets-example.s3.amazonaws.com/uploads/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/application.pdf"
}
],
"object": "file",
"size": 9670,
"upload_headers": {},
"upload_status": "pending",
"upload_url": "https://whop-assets-example.s3.amazonaws.com/uploads/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/application.pdf",
"url": "https://whop-assets-example.s3.amazonaws.com/uploads/audio/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"visibility": "private"
},
"route": "biz_xxxxxxxxxxxxxx",
"social_links": [
{
"id": "social_1",
"title": "@shinetimedetail",
"url": "https://instagram.com/shinetimedetail",
"website": "instagram"
}
],
"status": "active",
"status_reason": "Payments are paused while we review recent chargebacks on this account.",
"store_page_config": {
"accent_color": "red",
"layout": "compact",
"profile_variant": "business",
"whop_affiliate_link": true
},
"target_audience": "Owners of new and enthusiast vehicles in Austin, TX",
"tax_collection_enabled_states": [
"TX"
],
"tax_identifiers": [
{
"id": "txid_xxxxxxxxxxxxxx",
"tax_id_type": "eu_vat",
"tax_id_value": "DE123456789"
}
],
"tax_remitted_by": "self",
"tax_type": "inclusive",
"terms_of_service": {
"content_type": "application/pdf",
"created_at": "2026-01-01T12:00:00.000Z",
"filename": "evidence.pdf",
"id": "file_xxxxxxxxxxxxxx",
"multipart_chunk_size": 5242880,
"multipart_upload_id": "upload-id",
"multipart_upload_urls": [
{
"part_number": 1,
"url": "https://whop-assets-example.s3.amazonaws.com/uploads/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/application.pdf"
}
],
"object": "file",
"size": 9670,
"upload_headers": {},
"upload_status": "pending",
"upload_url": "https://whop-assets-example.s3.amazonaws.com/uploads/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/application.pdf",
"url": "https://whop-assets-example.s3.amazonaws.com/uploads/audio/2026-01-01/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
"visibility": "private"
},
"three_ds_level": "mandate_challenge",
"title": "Shine Time Auto Detailing",
"total_usd": "50.00",
"use_logo_as_opengraph_image_fallback": true,
"verification": {
"business": null,
"individual": null
},
"wallet": {
"address": "0xabc123",
"id": "cwal_xxxxxxxxxxxxxx",
"network": "ethereum"
}
}Changes
Changed in 37 of the 41 revisions of this API.12155110
- ○
the security scope
company:createwas added to the endpoint's security schemebearerAuthapi-security-scope-added
- ○
the security scope
company:create_childwas removed from the endpoint's security schemebearerAuthapi-security-scope-removed
- ○
- ○
the security scope
company:createwas added to the endpoint's security schemebearerAuthapi-security-scope-added
- ○
the security scope
company:create_childwas removed from the endpoint's security schemebearerAuthapi-security-scope-removed
- ○
- ○
the security scope
company:createwas added to the endpoint's security schemebearerAuthapi-security-scope-added
- ○
the security scope
company:create_childwas removed from the endpoint's security schemebearerAuthapi-security-scope-removed
This revision also has 1 change that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
- ○
- ●
added the new
pending_information_requestenum value to thepayment_controls/oneOf[AccountPaymentControls]/undated_pending_reasonresponse property for the response status201response-property-enum-value-added
- ○
the security scope
company:createwas added to the endpoint's security schemebearerAuthapi-security-scope-added
- ○
the security scope
company:create_childwas removed from the endpoint's security schemebearerAuthapi-security-scope-removed
- ●
- ○
the security scope
company:createwas added to the endpoint's security schemebearerAuthapi-security-scope-added
- ○
the security scope
company:create_childwas removed from the endpoint's security schemebearerAuthapi-security-scope-removed
- ○
added the required property
payment_controls/oneOf[AccountPaymentControls]/undated_pending_reasonto the response with the201statusresponse-required-property-added
- ○
added the required property
payment_controls/oneOf[AccountPaymentControls]/withdrawal_scheduleto the response with the201statusresponse-required-property-added
This revision also has 2 changes that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
- ○
- ○
the security scope
company:createwas added to the endpoint's security schemebearerAuthapi-security-scope-added
- ○
the security scope
company:create_childwas removed from the endpoint's security schemebearerAuthapi-security-scope-removed
- ○
added the new optional request property
blueprint_idnew-optional-request-property
This revision also has 42 changes that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
- ○
- ○
the security scope
company:createwas added to the endpoint's security schemebearerAuthapi-security-scope-added
- ○
the security scope
company:create_childwas removed from the endpoint's security schemebearerAuthapi-security-scope-removed
This revision also has 6 changes that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
- ○
- ○
the security scope
company:createwas added to the endpoint's security schemebearerAuthapi-security-scope-added
- ○
the security scope
company:create_childwas removed from the endpoint's security schemebearerAuthapi-security-scope-removed
- ○
added the required property
eulato the response with the201statusresponse-required-property-added
- ○
added the required property
privacy_policyto the response with the201statusresponse-required-property-added
- ○
added the required property
return_policyto the response with the201statusresponse-required-property-added
- ○
added the required property
terms_of_serviceto the response with the201statusresponse-required-property-added
- ○
- ○
the security scope
company:createwas added to the endpoint's security schemebearerAuthapi-security-scope-added
- ○
the security scope
company:create_childwas removed from the endpoint's security schemebearerAuthapi-security-scope-removed
This revision also has 1 change that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
- ○
- ○
the security scope
company:createwas added to the endpoint's security schemebearerAuthapi-security-scope-added
- ○
the security scope
company:create_childwas removed from the endpoint's security schemebearerAuthapi-security-scope-removed
- ○