Create account

To create an account on the Pismo platform, use the Create account application endpoint. This provides all necessary information to create the account and specify at least one customer (the account owner).

Certain attributes are required, depending on the account type. The submit parameter determines whether to create the account immediately (true) or to save it as a work in progress (false).

Required attributes


If an attribute is not defined for an account, it is inherited from its program.

program_id or acquisition_channelprogram_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.
To get a list of the program IDs registered for your Org, send a GET request to programs/v1/programs.

If you have the program_id, you can list its channels by sending a GET request to acquisitions/v2/programs/{programId}/channels.
submitFlag 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 account application 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.
applicantAttributes 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 Customer objects and 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, send a GET request to orgs/v1/programs/${programId}/duedates.
granted_limit(Required for credit programs only) Maximum credit limit granted by a credit analysis. For more information, see Account limits.

Additional account attributes

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

  • limit – Self-imposed credit limit set by the account holder
  • 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 (valid only for credit programs).

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.

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 Customer objects.

Address and phone attributes

See Address and phone objects.