Create business VA customer
Authentication
Virtual Account APIs use the same access token as the rest of the platform. Obtain it from the Authentication API and send it on every VA call:
Authorization: Bearer <access_token>
Base URLs for each environment are listed under API environments.
note
What this does: Registers a company as a Virtual Account customer, including its Ultimate Beneficial Owner(s) (UBOs) via ownerDetailList. Requires the docReferenceNumber from Upload VA documents — upload the 9 mandatory Corporate documents first.
Endpoint
POST
/ewallet/api/v1/customer-registrationRequest Fields — Business Level
| Field | Required? | Notes |
|---|---|---|
| customerTypeCode | REQUIRED | Fixed: 100002 for Business |
| customerSubTypeCode | REQUIRED | e.g. 100001 |
| serviceTypeCode | REQUIRED | Fixed VIRTUAL |
| source | OPTIONAL | e.g. WEB |
| docReferenceNumber | REQUIRED | From Upload VA Document (Upload VA documents) |
| walletOwnerCode | REQUIRED | — |
| tradeName | REQUIRED | Registered/trading company name |
| legalStatusCode | REQUIRED | e.g. RHB002 (Corporation) |
| natureOfBusinessCode | REQUIRED | e.g. RHT005 |
| remarks | OPTIONAL | Free text, e.g. industry note |
| businessRelationshipCode | REQUIRED | e.g. 100003 |
| businessAuthorizedPerson | OPTIONAL | Name of the authorized signatory |
| mobileNumber / email | REQUIRED | Business contact details |
| dialCode | OPTIONAL | e.g. +91 |
| addressLine1 | REQUIRED | — |
| addressLine2 | OPTIONAL | — |
| countryCode / state / city / pincode | REQUIRED | countryCode is ISO alpha-3 |
| idNumber | REQUIRED | Business registration/license number |
| idCountry | REQUIRED | — |
| idIssuedBy | OPTIONAL | — |
| issueDate | REQUIRED | — |
| idExpiryDate | REQUIRED | This is the business's own document expiry — note the owner-level field below is named idExpiry (no "Date"), not idExpiryDate. This naming difference is intentional, confirmed by IT. |
| noIssueDate / noIdExpiry | OPTIONAL | Boolean flags controlling the two date fields above |
| thirdPartyDetermination | OPTIONAL | Boolean |
| transactionVolumeCode | OPTIONAL | e.g. 100005 |
| isSenderPep | OPTIONAL | Boolean |
| declaration | OPTIONAL | Boolean |
| customerCode | OPTIONAL | Empty "" on Create — returned as code in the response. That code value becomes REQUIRED on Edit (Edit business VA customer), where the field is named code, not customerCode. |
| customerStatus | OPTIONAL | System-managed |
| isPayoutBanned / payoutClientCodes | OPTIONAL | Default false / [] |
| ownerDetailList | REQUIRED | Array of UBO/owner objects — required for onboarding (matches the mandatory "ID copies of UBOs" document in VA document requirements). Required fields per owner differ by customerTypeCode — see table below. |
warning
Each owner's required fields depend on its own customerTypeCode — 100001 (individual owner) and 100002 (business/corporate owner) have different mandatory sets, confirmed from sample payloads. Mixed arrays (some individual, some business owners) are supported.
Owner Type 100001 · Individual
| Field | Required? |
|---|---|
| customerTypeCode | REQUIRED |
| firstName / lastName | REQUIRED |
| dateOfBirth / gender | REQUIRED |
| companyName | REQUIRED |
| addressLine1 / countryCode / state / city / pincode | REQUIRED |
| idTypeCode / idNumber / idCountry | REQUIRED |
| indexId / customerCode | OPTIONAL |
| middleName / nationality | OPTIONAL |
| mobileNumber / dialCode / email | OPTIONAL |
| addressLine2 / residenceStatusCode | OPTIONAL |
| idIssuedBy / issueDate / idExpiry | OPTIONAL |
| noIssueDate / noIdExpiry | OPTIONAL |
| ownerPercentage / ownerStatus | OPTIONAL |
Owner Type 100002 · Business
| Field | Required? |
|---|---|
| customerTypeCode | REQUIRED |
| companyName | REQUIRED |
| addressLine1 / countryCode / state / city | REQUIRED |
| indexId / customerCode | OPTIONAL |
| firstName / lastName / middleName | OPTIONAL |
| dateOfBirth / gender / nationality | OPTIONAL |
| mobileNumber / dialCode / email | OPTIONAL |
| addressLine2 / residenceStatusCode / pincode | OPTIONAL |
| idTypeCode / idNumber / idIssuedBy / idCountry | OPTIONAL |
| issueDate / idExpiry | OPTIONAL |
| noIssueDate / noIdExpiry | OPTIONAL |
| ownerPercentage / ownerStatus | OPTIONAL |
Complete Request Example
Business customer with 2 owners (1 individual, 1 business)
{
"customerTypeCode": "100002",
"customerSubTypeCode": "100001",
"serviceTypeCode": "VIRTUAL",
"docReferenceNumber": "GTGGGG7766",
"walletOwnerCode": "1000008547",
"tradeName": "Example Company",
"natureOfBusinessCode": "RHT004",
"mobileNumber": "9876543215",
"email": "accounts@example.com",
"addressLine1": "12 Example Road",
"countryCode": "MWI",
"state": "Central Region",
"city": "Lilongwe",
"pincode": "676567",
"businessRelationshipCode": "100003",
"legalStatusCode": "RHB002",
"idNumber": "ID9800000091",
"idCountry": "MWI",
"issueDate": "2024-08-22",
"idExpiryDate": "2028-08-31",
"ownerDetailList": [
{
// Owner 1 — individual owner (customerTypeCode 100001)
"customerTypeCode": "100001",
"firstName": "John",
"lastName": "Doe",
"dateOfBirth": "2008-08-22",
"gender": "male",
"companyName": "Example Company",
"addressLine1": "12 Example Road",
"countryCode": "MWI",
"state": "Malawi",
"city": "Lilongwe",
"pincode": "121122",
"idTypeCode": "RHD007",
"idNumber": "ID8887877711",
"idCountry": "MWI"
},
{
// Owner 2 — business owner (customerTypeCode 100002)
"customerTypeCode": "100002",
"companyName": "Sample Exports Ltd",
"addressLine1": "12 Example Road",
"countryCode": "MWI",
"state": "Central Region",
"city": "Lilongwe"
}
]
}
info
ℹ This example shows mandatory fields onlyat both the business level and per owner type. Optional fields may still be sent per the Request Fields tables above.