Required attributes

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If an attribute is not defined for an account, it is inherited from its program. Certain attributes are required, depending on the account type.

Attribute	Description
`program_id` or `acquisition_channel`	`program_id` is the unique ID of the program on the Pismo platform. `acquisition_channel` is the unique ID of the original source of your customer (such as a referring web page or mobile app). Acquisition channels are configured at the program level. A channel is tied to one program. If you don't use `acquisition_channel`, you must use the `program_id` attribute to validate new account creation. Tip: If you have the `program_id`, you can list its channels by sending a GET request to `acquisitions/v2/programs/{programId}/channels`.
`submit`	Flag that determines whether to create the account immediately (`true`) or to save it as a work in progress (`false`). If `submit=false`, the application form is not sent for processing and the account is not created. Use the Update an application form endpoint to add more information and to submit at a later time. If `submit=true`, the account is created and no further changes are allowed.
`applicant`	Attributes and objects of the customer who is the account holder. This object requires a `document_number` attribute to identify the account holder. The value for this field is usually a government-issued tax ID number. See Working with customer objects and Working with address and phone objects.
`due_date`	(Required for credit programs only) Monthly cycle date. Every account has a starting date for the monthly accounting cycle. For credit cards, this date is the statement's due date. For checking accounts, prepaid cards, and debit cards, this date is usually set to the first day of the month and is used to group together monthly transactions. Important: The `due_date` parameter is passed as a numeric value. For example, for a due date `1` (first day of the month), its identifier could be something like `3063`. This is the value you should use. To get a list of due dates available for a particular program, see Get List of Program Due Dates.

Additional account attributes

Besides registration data, the Pismo platform enables you to set some additional attributes related to the account.

exchange_mode – Exchange conversion rule for purchases in foreign currencies. Valid values are SAME_DAY for rate conversions at the purchase day or CLOSING for rates applied at the statement's cycle closing date (also valid only for credit programs).
Limits (see Account limits).

Optional account attributes

The account object can receive the following optional attributes.

external_id – A custom account ID string that uniquely identifies the account within your organization.

Relationship between `external_id` and `documentNumber`

The external_id parameter is a unique external ID that you can add to an account. This parameter is not validated, so you can set its value according to your business needs.

By default, external_id is not set and the documentNumber parameter is used to identify an account within the program. (Remember, by default there can be only one account per documentNumber within the same program.) However, if you set an external_id, this becomes the account’s unique ID within the program. In this case, the documentNumber uniqueness rule is deactivated, so you can have multiple accounts in a program that use the same documentNumber.

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Some older Pismo customers might be using the legacy program parameter ALLOW MULTI ACCOUNTS FOR CREDENTIAL for the same purpose. When this boolean parameter is set to true, the documentNumber uniqueness rule also is deactivated for the program.

Custom account attributes

The Accounts API also allows for persisting custom metadata associated with the customer, using the custom_fields object as a general key-value store. For example, you could store information like:

{
    "preferred-social-network": "facebook",
    "discounts-of-interest": ["restaurants", "movies"]
}

Optional application data

birth_date
account

Personal and company attributes

See Working with customer objects.

Address and phone attributes

See Working with address and phone objects.

Required attributes

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Additional account attributes

Optional account attributes

Relationship between external_id and documentNumber

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Custom account attributes

Optional application data

Personal and company attributes

Address and phone attributes

Relationship between `external_id` and `documentNumber`