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Documentation

Create Wallet

Create a Rapyd Wallet.

The following types of wallet are supported:

  • Person - Requires one personal contact.

  • Company - Requires one business contact. You can add personal contacts as required. See Add Contact to Wallet.

  • Client - Requires one business contact. Created by Rapyd Client Support.

Parent Wallet

The optional parent_ewallet parameter associates a person wallet with a company wallet.

Implementing a parent wallet enhances the onboarding process and helps fulfill compliance regulations.

  • Single parent: A person wallet can have only one parent wallet.

  • Default parent wallet: When a request does not specify a parent wallet, the client wallet is automatically assigned as the parent wallet.

  • Parent wallet type: You can only assign a company wallet as a parent wallet. A person wallet cannot be a parent wallet.

Note

  1. For best practices, include the first_name, last_name, date_of_birth, country, address.name and address.line_1 fields in the contact object. These fields are required for other operations.

  2. This endpoint replaces the deprecated endpoint - POST /v1/user

    Rapyd will continue to support the deprecated endpoint until December 31, 2024.

Parameters
Request Header Parameters
Request Body Parameters

    • contact

    • Describes details about the wallet contacts. Array of objects. For details about the fields in the 'contact' object, see Add Contact to Wallet.

    • ewallet_reference_id

    • Rapyd Wallet ID defined by the customer or end user. Must be unique.

    • first_name

    • First name of the Rapyd Wallet owner. For a person wallet type, alphabetic characters and spaces.

    • last_name

    • Family name of the Rapyd Wallet owner. For a person wallet type, alphabetic characters and spaces.

    • type

    • Type of wallet:

      • company - Indicates a business wallet.

      • person - Indicates the wallet of an individual consumer.

      Note

      To create additional wallets of the client type for a Rapyd client, contact Client Support.

      person

Response Parameters

  • /v1/ewallets

  • Person Wallet

  • curl -X post
https://sandboxapi.rapyd.net/v1/ewallets
-H 'access_key: your-access-key-here'
-H 'Content-Type: application/json'
-H 'idempotency: your-idempotency-parameter-here'
-H 'salt: your-random-string-here'
-H 'signature: your-calculated-signature-here'
-H 'timestamp: your-unix-timestamp-here'
-d '{
    "first_name": "John",
    "last_name": "Doe",
    "ewallet_reference_id": "2023-01-29b",
    "metadata": {},
    "type": "person",
    "contact": {
        "phone_number": "+3547826575",
        "email": "johndoe@rapyd.net",
        "first_name": "John",
        "last_name": "Doe",
        "mothers_name": "Jane Smith",
        "contact_type": "personal",
        "address": {
            "name": "John Doe",
            "line_1": "123 Main Street",
            "line_2": "",
            "line_3": "",
            "city": "Anytown",
            "state": "NY",
            "country": "US",
            "zip": "12345",
            "phone_number": "+14155551611",
            "metadata": {},
            "canton": "",
            "district": ""
        },
        "identification_type": "DL",
        "identification_number": "1234567890",
        "date_of_birth": "2000-11-22",
        "country": "IS",
        "nationality": "IS",
        "metadata": {
            "merchant_defined": true
        }
    }
}
'
  • {
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "2322ef1e-2181-4981-8bd3-df329c240785"
    },
    "data": {
        "phone_number": null,
        "email": null,
        "first_name": "John",
        "last_name": "Doe",
        "id": "ewallet_1d0a9c24781aeccca21f9e640d020d28",
        "status": "ACT",
        "accounts": [],
        "verification_status": "not verified",
        "type": "person",
        "metadata": {
            "merchant_defined": true
        },
        "ewallet_reference_id": "2021-10-28d",
        "category": null,
        "contacts": {
            "data": [
                {
                    "id": "cont_7883d252a75f525ae28d74d6c1da7167",
                    "first_name": "John",
                    "last_name": "Doe",
                    "middle_name": "",
                    "second_last_name": "",
                    "gender": "not_applicable",
                    "marital_status": "not_applicable",
                    "house_type": "",
                    "contact_type": "personal",
                    "phone_number": "+14155551234",
                    "email": "johndoe@rapyd.net",
                    "identification_type": "DL",
                    "identification_number": "1234567890",
                    "issued_card_data": {
                        "preferred_name": "",
                        "transaction_permissions": "",
                        "role_in_company": ""
                    },
                    "date_of_birth": "2000-11-22",
                    "country": "US",
                    "nationality": "US",
                    "address": {
                        "id": "address_a1cd1ab9cd3cb7395152ef9e7ceed05f",
                        "name": "John Doe",
                        "line_1": "123 Main Street",
                        "line_2": "",
                        "line_3": "",
                        "city": "Anytown",
                        "state": "NY",
                        "country": "US",
                        "zip": "12345",
                        "phone_number": "+14155551611",
                        "metadata": {},
                        "canton": "",
                        "district": "",
                        "created_at": 1635423334
                    },
                    "ewallet": "ewallet_1d0a9c24781aeccca21f9e640d020d28",
                    "created_at": 1635423334,
                    "metadata": {
                        "merchant_defined": true
                    },
                    "business_details": null,
                    "compliance_profile": 0,
                    "verification_status": "not verified",
                    "send_notifications": false,
                    "mothers_name": "Jane Smith"
                }
            ],
            "has_more": false,
            "total_count": 1,
            "url": "/v1/ewallets/ewallet_1d0a9c24781aeccca21f9e640d020d28/contacts"
        },
        "parent_ewallet": null
    }
}

  • Person Wallet with Associated Parent Wallet

  • curl -X post
https://sandboxapi.rapyd.net/v1/ewallets
-H 'access_key: your-access-key-here'
-H 'Content-Type: application/json'
-H 'idempotency: your-idempotency-parameter-here'
-H 'salt: your-random-string-here'
-H 'signature: your-calculated-signature-here'
-H 'timestamp: your-unix-timestamp-here'
-d '{
    "first_name": "John",
    "last_name": "Doe",
    "ewallet_reference_id": "2083-06-133959",
    "parent_ewallet": "ewallet_2ee6d27a928b5861fde301fbfe0d72b0",
    "metadata": {},
    "type": "person",
    "contact": {
        "phone_number": "+3547267770",
        "email": "johndoe@rapyd.net",
        "first_name": "John",
        "last_name": "Doe",
        "mothers_name": "Jane Smith",
        "contact_type": "personal",
        "address": {
            "name": "John Doe",
            "line_1": "123 Main Street",
            "line_2": "",
            "line_3": "",
            "city": "Anytown",
            "state": "NY",
            "country": "US",
            "zip": "12345",
            "phone_number": "+14155551611",
            "metadata": {},
            "canton": "",
            "district": ""
        },
        "identification_type": "DL",
        "identification_number": "1234567890",
        "date_of_birth": "2000-11-22",
        "country": "IS",
        "nationality": "IS",
        "metadata": {
            "merchant_defined": true
        }
    }
}
'
  • {
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "d61eb505-ee85-46bd-b8a2-5e5c3342032a"
    },
    "data": {
        "phone_number": null,
        "email": null,
        "first_name": "John",
        "last_name": "Doe",
        "id": "ewallet_2b34b3d5210343b23f85fbef3aca99db",
        "status": "ACT",
        "accounts": [],
        "verification_status": "not verified",
        "type": "person",
        "metadata": {},
        "ewallet_reference_id": "2083-06-133959",
        "category": null,
        "contacts": {
            "data": [
                {
                    "id": "cont_f5bcfa4857e4f68ae665be14f1e7cb76",
                    "first_name": "John",
                    "last_name": "Doe",
                    "middle_name": "",
                    "second_last_name": "",
                    "gender": "not_applicable",
                    "marital_status": "not_applicable",
                    "house_type": "",
                    "contact_type": "personal",
                    "phone_number": "+3547267770",
                    "email": "johndoe@rapyd.net",
                    "identification_type": "DL",
                    "identification_number": "1234567890",
                    "issued_card_data": {
                        "preferred_name": "",
                        "transaction_permissions": "",
                        "role_in_company": ""
                    },
                    "date_of_birth": "2000-11-22",
                    "country": "IS",
                    "nationality": "IS",
                    "address": {
                        "id": "address_49db4574082a4a6a8bc89e9d86e55fcb",
                        "name": "John Doe",
                        "line_1": "123 Main Street",
                        "line_2": "",
                        "line_3": "",
                        "city": "Anytown",
                        "state": "NY",
                        "country": "US",
                        "zip": "12345",
                        "phone_number": "+14155551611",
                        "metadata": {},
                        "canton": "",
                        "district": "",
                        "created_at": 1727770702
                    },
                    "ewallet": "ewallet_2b34b3d5210343b23f85fbef3aca99db",
                    "created_at": 1727770702,
                    "metadata": {
                        "merchant_defined": true
                    },
                    "business_details": null,
                    "compliance_profile": -1,
                    "verification_status": "not verified",
                    "send_notifications": false,
                    "mothers_name": "Jane Smith",
                    "contact_reference_id": null
                }
            ],
            "has_more": false,
            "total_count": 1,
            "url": "/v1/ewallets/ewallet_2b34b3d5210343b23f85fbef3aca99db/contacts"
        },
        "parent_ewallet": "ewallet_2ee6d27a928b5861fde301fbfe0d72b0"
    }
}

  • Company Wallet

  • curl -X post
https://sandboxapi.rapyd.net/v1/ewallets
-H 'access_key: your-access-key-here'
-H 'Content-Type: application/json'
-H 'idempotency: your-idempotency-parameter-here'
-H 'salt: your-random-string-here'
-H 'signature: your-calculated-signature-here'
-H 'timestamp: your-unix-timestamp-here'
-d '{
    "first_name": "Four Star Professional Services",
    "last_name": "",
    "ewallet_reference_id": "e-0619",
    "metadata": {
        "merchant_defined": true
    },
    "type": "company",
    "contact": {
        "phone_number": "+14155551234",
        "email": "johndoe@rapyd.net",
        "first_name": "John",
        "last_name": "Doe",
        "contact_type": "business",
        "address": {
            "name": "John Doe",
            "line_1": "123 Main Street",
            "line_2": "",
            "line_3": "",
            "city": "Anytown",
            "state": "NY",
            "country": "US",
            "zip": "12345",
            "phone_number": "+14155551234",
            "metadata": {},
            "canton": "",
            "district": ""
        },
        "identification_type": "PA",
        "identification_number": "1234567890",
        "date_of_birth": "2000-11-22",
        "country": "US",
        "metadata": {
            "merchant_defined": true
        },
        "business_details": {
            "entity_type": "association",
            "name": "Four Star Professional Services",
            "registration_number": "4234567779",
            "industry_category": "company",
            "industry_sub_category": "home services",
            "address": {
                "name": "John Doe",
                "line_1": "1234 Main Street",
                "line_2": "Suite 1200",
                "line_3": "",
                "city": "Anytown",
                "state": "NY",
                "country": "US",
                "zip": "10101",
                "phone_number": "14155557779",
                "metadata": {
                    "merchant_defined": true
                }
            }
        }
    }
}
'

  • {
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "28671f60-49c4-4989-a1ab-0b89dbf1e002"
    },
    "data": {
        "phone_number": null,
        "email": null,
        "first_name": "Four Star Professional Services",
        "last_name": "",
        "id": "ewallet_16f5b11d7cd37c0ebb9242699d1db61d",
        "status": "ACT",
        "accounts": [],
        "verification_status": "not verified",
        "type": "company",
        "metadata": {
            "merchant_defined": true
        },
        "ewallet_reference_id": "e-0619",
        "category": null,
        "contacts": {
            "data": [
                {
                    "id": "cont_de961371a321e0ed782c521e41def4e0",
                    "first_name": "John",
                    "last_name": "Doe",
                    "middle_name": "",
                    "second_last_name": "",
                    "gender": "not_applicable",
                    "marital_status": "not_applicable",
                    "house_type": "",
                    "contact_type": "business",
                    "phone_number": "+14155551234",
                    "email": "johndoe@rapyd.net",
                    "identification_type": "PA",
                    "identification_number": "1234567890",
                    "issued_card_data": {
                        "preferred_name": "",
                        "transaction_permissions": "",
                        "role_in_company": ""
                    },
                    "date_of_birth": "2000-11-22",
                    "country": "US",
                    "nationality": null,
                    "address": {
                        "id": "address_f39ec1393ddd85022c9cd430b996f59c",
                        "name": "John Doe",
                        "line_1": "123 Main Street",
                        "line_2": "",
                        "line_3": "",
                        "city": "Anytown",
                        "state": "NY",
                        "country": "US",
                        "zip": "12345",
                        "phone_number": "+14155551234",
                        "metadata": {},
                        "canton": "",
                        "district": "",
                        "created_at": 1687158709
                    },
                    "ewallet": "ewallet_16f5b11d7cd37c0ebb9242699d1db61d",
                    "created_at": 1687158709,
                    "metadata": {
                        "merchant_defined": true
                    },
                    "business_details": {
                        "id": "busi_d49d261b771642ecf7209d8401f741b6",
                        "name": "Four Star Professional Services",
                        "registration_number": "4234567779",
                        "entity_type": "association",
                        "industry_category": "company",
                        "industry_sub_category": "home services",
                        "address": {
                            "id": "address_5b6d9f0148e34ba084d158fe88af05ea",
                            "name": "John Doe",
                            "line_1": "1234 Main Street",
                            "line_2": "Suite 1200",
                            "line_3": "",
                            "city": "Anytown",
                            "state": "NY",
                            "country": "US",
                            "zip": "10101",
                            "phone_number": "14155557779",
                            "metadata": {
                                "merchant_defined": true
                            },
                            "canton": "",
                            "district": "",
                            "created_at": 1687158709
                        },
                        "created_at": 1687158709,
                        "annual_revenue": 0,
                        "establishment_date": null,
                        "legal_entity_type": null,
                        "cnae_code": null
                    },
                    "compliance_profile": 0,
                    "verification_status": "not verified",
                    "send_notifications": false,
                    "mothers_name": ""
                }
            ],
            "has_more": false,
            "total_count": 1,
            "url": "/v1/ewallets/ewallet_16f5b11d7cd37c0ebb9242699d1db61d/contacts"
        },
        "parent_ewallet": null
    }
}

  • Create Wallet with Contact Reference ID

  • curl -X post
https://sandboxapi.rapyd.net/v1/ewallets
-H 'access_key: your-access-key-here'
-H 'Content-Type: application/json'
-H 'idempotency: your-idempotency-parameter-here'
-H 'salt: your-random-string-here'
-H 'signature: your-calculated-signature-here'
-H 'timestamp: your-unix-timestamp-here'
-d '{
    "first_name": "John",
    "last_name": "Doe",
    "ewallet_reference_id": "2023-01-29b1",
    "metadata": {},
    "type": "person",
    "contact": {
        "contact_reference_id": "johndoe2023",
        "phone_number": "+3547826575",
        "email": "johndoe@rapyd.net",
        "first_name": "John",
        "last_name": "Doe",
        "mothers_name": "Jane Smith",
        "contact_type": "personal",
        "address": {
            "name": "John Doe",
            "line_1": "123 Main Street",
            "line_2": "",
            "line_3": "",
            "city": "Anytown",
            "state": "NY",
            "country": "US",
            "zip": "12345",
            "phone_number": "+14155551611",
            "metadata": {},
            "canton": "",
            "district": ""
        },
        "identification_type": "DL",
        "identification_number": "1234567890",
        "date_of_birth": "2000-11-22",
        "country": "IS",
        "nationality": "IS",
        "metadata": {
            "merchant_defined": true
        }
    }
}
'

  • {
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "e36924c2-91cf-4a42-ad78-c23e3ad7f1f6"
    },
    "data": {
        "id": "cont_88e387ef31488c0f4b385d157a27425a",
        "first_name": "John",
        "last_name": "Doe",
        "middle_name": "",
        "second_last_name": "",
        "gender": "not_applicable",
        "marital_status": "not_applicable",
        "house_type": "",
        "contact_type": "personal",
        "phone_number": "+3547826575",
        "email": "johndoe@rapyd.net",
        "identification_type": "DL",
        "identification_number": "1234567890",
        "issued_card_data": {
            "preferred_name": "",
            "transaction_permissions": "",
            "role_in_company": ""
        },
        "date_of_birth": "2000-11-22",
        "country": "IS",
        "nationality": "IS",
        "address": {
            "id": "address_b6d52e34fffce3c20d6000dd6faea3a2",
            "name": "John Doe",
            "line_1": "123 Main Street",
            "line_2": "",
            "line_3": "",
            "city": "Anytown",
            "state": "NY",
            "country": "US",
            "zip": "12345",
            "phone_number": "+14155551611",
            "metadata": {},
            "canton": "",
            "district": "",
            "created_at": 1694069068
        },
        "ewallet": "ewallet_ca8e764afff51baa58eb47a52da6b5b0",
        "created_at": 1694069068,
        "metadata": {
            "merchant_defined": true
        },
        "business_details": null,
        "compliance_profile": 0,
        "verification_status": "not verified",
        "send_notifications": false,
        "mothers_name": "Jane Smith",
        "contact_reference_id": "johndoe2023",
        "parent_ewallet": null
    }
}
In this section:

The number of seconds elapsed since the beginning of the Unix epoch, which was 00:00:00 GMT on January 1, 1970. 10-digit integer.