Create a new end-user under the authenticated client. - If `userId` is provided, it will be used; otherwise a new UUID will be generated. - `bins` config defines which BINs are enabled for this user and what fees the client wants to charge. - `status` is optional and defaults to `pending` if omitted. - Optional `meta` allows storing arbitrary JSON.

Request body

application/json · UserCreateRequest · required

FieldTypeRequiredDescription
bins array of Bin yes Enabled BINs and fees to charge this user.
meta object no User metadata (JSON). For B2C cardholders this must contain personal data fields (firstName, lastName, email, birthday, gender, idType, idNo, nationality, etc.). See `CreateUserCardholder` endpoint for the full list of required fields. `meta` is stored as given and is **not** validated here — the field rules (charsets, length limits, mobile-only phone, reference codes) are enforced when the cardholder is created, so apply them in your own form validation to avoid a late rejection.
status string no Initial user status. Defaults to `pending`.
userId string no Optional user ID. If omitted, a new UUID will be generated.

Responses

StatusBodyDescription
201 UserCreateResponse User successfully created.
400 Error Invalid request.

Specification

This page is generated from the OpenAPI specification, which remains the authoritative machine-readable source.