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.
Rapyd Wallet for Partners - Prerequisite
Before a partner creates a wallet for a Rapyd partner merchant, a Card Network Lookup Service (CNLS) query must be performed. The query result shows the merchant's experience with acquirers.
The CNLS query request ID is required to create a wallet for the merchant. The value of the partner_query_reference parameter from Retrieve Query Results is the value for the cnls_partner_query_reference request body parameter.
Note
For best practices, include the
first_name,last_name,date_of_birth,country,address.nameandaddress.line_1fields in thecontactobject. These fields are required for other operations.This endpoint replaces the deprecated endpoint -
POST /v1/userRapyd no longer supports the deprecated endpoint.
cnls_partner_query_reference
Rapyd Partner only. Required when a partner creates a Rapyd partner wallet for a merchant. Value of the
partner_query_referenceparameter used as the query request ID in the Card Network Lookup Service (CNLS). See Retrieve Query Results. You must run the CNLS before creating a wallet for a merchant. If thecnls_partner_query_referenceandpartner_query_referencevalues do not match, ERROR_CREATE_WALLET_CNLS_PARTNER_QUERY_REFERENCE_MISMATCH is returned.
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
/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", "contact_reference_id": null } ], "has_more": false, "total_count": 1, "url": "/v1/ewallets/ewallet_1d0a9c24781aeccca21f9e640d020d28/contacts" }, "parent_ewallet": null, "cnls_partner_query_reference": 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", "cnls_partner_query_reference": null } }
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, "statement_descriptor": null, "mcc": null, "website_url": null, "customer_service_phone_number": null }, "compliance_profile": 0, "verification_status": "not verified", "send_notifications": false, "mothers_name": "", "contact_reference_id": null } ], "has_more": false, "total_count": 1, "url": "/v1/ewallets/ewallet_16f5b11d7cd37c0ebb9242699d1db61d/contacts" }, "parent_ewallet": null, "cnls_partner_query_reference": null } }
Company Wallet - Rapyd Partner
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", "cnls_partner_query_reference": "abcd1234", "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": { "statement_descriptor": "Acme*Apex", "website_url": "https://acme.com", "mcc": "5812", "customer_service_phone_number": "+14155555555", "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, "statement_descriptor": "Acme*Apex", "mcc": "5812", "website_url": "https://acme.com", "customer_service_phone_number": "+14155555555" }, "compliance_profile": 0, "verification_status": "not verified", "send_notifications": false, "mothers_name": "", "contact_reference_id": null } ], "has_more": false, "total_count": 1, "url": "/v1/ewallets/ewallet_16f5b11d7cd37c0ebb9242699d1db61d/contacts" }, "parent_ewallet": null, "cnls_partner_query_reference": "abcd1234" } }
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, "cnls_partner_query_reference": null } }