Create Customer for Hosted Onboarding

Create a lightweight customer account with minimal information for the self-hosted onboarding flow.

This is Step 1 of the hosted onboarding integration. The end user will complete the full KYB (Know Your Business) verification through the 1money-hosted onboarding page.

Hosted Onboarding Flow

1. Create Lightweight Customer (this endpoint) — Provide basic contact info to get a customer_id
2. Create Onboarding Grant — Generate a time-limited onboarding URL(POST /v1/customers/onboarding/grants)
3. Redirect End User — Send the user's browser to the onboarding_url; they complete the full KYB form on the 1money-hosted page
4. Poll Status — Listen webhook or monitor KYB verification progress(GET /v1/customers/hosted/{customer_id}) until a terminal status is reached

Idempotency

The Idempotency-Key header is required. Behavior:

• If no customer exists for the given key, a new customer is created and returned with HTTP 201.
• If a customer with the same idempotency key already exists under your entity, it is returned as-is (HTTP 201, no duplicate created). Use a UUID v4 as your idempotency key.

Constraints

• Email must be unique within your entity. A duplicate email returns HTTP 400.
• The total number of customers per entity is subject to a configurable quota.
• first_name and last_name must be plain text (no HTML/script tags), 1–255 characters each.
• The customer is created with KYB status INIT.
• No invitation emails are sent to the end user in this flow.

Customer Types