Creates an Account.

Optional Query Strings:

? RejectDuplicateCard (required to reject Account Creation if Card already exists)
? OKToAddDuplicateCard (required to allow Account Creation if Card already exists)

Use ?QueryParam1+QueryParam2 if you’re using multiple query strings

If you are an ISO (Independent Sales Organization), you will need to specify a SubClientID. (see notes below)

URL:

https://FQDN/v1/clients/ClientID/accounts

https://FQDN/v1/clients/ClientID/accounts?RejectDuplicateCard
https://FQDN/v1/clients/ClientID/accounts?OKToAddDuplicateCard

Request:

JSON Name			Value	Required	Default	Description	Conditional
referenceID			String 1-15 characters	R		Your unique Reference ID
bank			object	CR		Either Bank or Card	ACH
	routingNumber		String 9 digits	R a		Routing Number	ACH
	accountNumber		String 4-17 digits	R a		Account Number	ACH
	accountType		String 1-character code	R a		Account Type	ACH
card			object	CR		Either Bank or Card Either Payment Card Not Encrypted: accountNumber expirationDate or Payment Card Encrypted: keyID data or Card Token (Restricted Usage): token or Device (Restricted Usage): id blob	Payment Card
	accountNumber		String 13-19 digits	R n		Payment Card Account Number	Payment Card Not Encrypted
	expirationDate		String YYYYMM Format	R n O n		Expiration Date	Payment Card Not Encrypted
	keyID		String 22 characters	R e		KeyID	Payment Card Encrypted
	data		String	R e		Encrypted Card Data, see below encoded in Base64 URL-Safe Character Set	Payment Card Encrypted
	token		String	® t		Card Token (from SSO) Restricted Usage	Payment Card Token
	device		object	® d		Card Data from P2PE Device Restricted Usage	Payment Card Device
		id	String	® d		Device Identifier	Payment Card Device
		blob	Hex String	® d		Blob in Hex	Payment Card Device
owner			object	R		Account Owner
	name		object	R		Name Either Company or First, Middle, Last, and Suffix
		company	String	R c		Company Name
		first	String	R n		First Name
		middle	String	O n		Middle Name or Initial
		last	String	R n		Last Name
		suffix	String	O n		Suffix
	address		object	O		Address
		line1	String	R		Address Line 1
		line2	String	O		Address Line 2
		city	String	R		City
		state	String 2-character code	R		State Code	840
		zipcode	String	R		Zip Code	840
		country	String 3-digit code	O	840	ISO 3166-1 Country Code	840
	phone		object	O		Phone Number (E.164 Numbering)	840
		countryCode	String 1-3 digits	O	1	Country Calling Code	840
		number	String Min: 4 digits Max: 12-14 digits	R		Phone Number	840

(Encrypted) Card Data

Field	Required	Description	UnEncrypted Card Data Format
Card Number	R	13-19 digit Card Number	CardNumber \| Expiration Date \| (no spaces, pipe symbol separated) see samples
Expiration Date	R	Expiration date in YYYYMM Format

Pack your Request, the following Samples shown here are unpacked only for human readability:
Create Payment Card Account:

{
  "referenceID": "1",
  "card":
  {
    "accountNumber": "9999999999999999",
    "expirationDate": "202012"
  },
  "owner":
  {
    "name":
    {
      "first": "John",
      "last": "Customer"
    },
    "address":
    {
      "line1": "465 Fairchild Drive",
      "line2": "Suite #222",
      "city": "Mountain View",
      "state": "CA",
      "zipcode": "94043"
    },
    "phone":
    {
      "number": "4159808222"
    }
  }
}
Unencrypted Card Data:
1111111111111111|203001|

where

Card Number:     1111111111111111
Expiration Date: January 2030

Response:

Status Codes:

Status Code		Description
200	OK	An Account is Created.
207	Multi-Status	Account created, but Duplicate Card Check Failed.
409	Conflict	Duplicate Card Check Matched.

See Status Codes for other possible Status Codes that might be returned.

Response Data:

JSON Name		Value	Description	Status Code
JSON Name		Value	Description	200	207	409	Other
SC		Integer 3-digit code	HTTP Status Code	✔	✔	✔	O
EC		String 1 or 8 characters	Internal Error Code	✔	✔	✔	O
EM		String	Error Message		✔	✔	O
accountID		String 22 characters	AccountID	✔	✔
card		object	Card	O	O
	last4	String 4 digits	Last 4 of Card Account Number (PAN)	✔	✔
	expirationDate	String 6 digits	Expiration Date YYYYMM Format	O	O
notices		String	Important Notices	O	O		O
duplicateAccountIDs		Array of Strings	AccountIDs using the same Card Account Number			O

Sample response:

Account created:
{
  "SC": 200,
  "EC": "0",
  "accountID": "TabaPay_AccountID_22ch"
}

Notes:

For Clients who are an ISO (Independent Sales Organization), to specify your ClientID and a SubClientID, use the underscore character ("_") to separate the two values: <ClientID>_<SubClientID> where:

ClientID is your unique 22-character string and
SubClientID is an assigned 4, 6 or 8-digit value.

Creating an Account just to do a Query Card is not the valid way to use our API (it is an Anti-Pattern). As we try to show in the Sample Flows: Query Card should be done first before Creating an Account, this is the correct Pattern (or use of our API).
Creating unused and/or inactive Accounts will result in:

These Account incurring an extra charge (fee)
These Account being automatically deleted

Excessive Anti-Pattern behavior will result in:

Your Requests failing
Your Client being locked