Create Cardholder

Create a cardholder once, then issue one or more cards to them. Best when you manage many end-customers — each cardholder has their own profile, cards and statement. This is the customer-first (BaaS) flow.

Card endpoints use the same base URL and API key as the rest of the API, and are signature-gated: send X-Numero-Signature and X-Numero-Signature-Version: v2 as well. See Request signing.

Endpoint

POST /api/v1/business/cardholders

Signature required: Yes

Headers

Header	Required	Description
`X-Numero-Api-Key`	Yes	Your API key
`X-Numero-Signature`	Yes	Base64 HMAC-SHA256 over the exact raw request body (POST) or the canonicalised query string (GET), keyed with your Public Key. See Request signing.
`X-Numero-Signature-Version`	Yes	Always `v2`.

Request body

Field	Type	Required	Description
`firstName`	string	Yes	Cardholder first name
`lastName`	string	Yes	Cardholder last name
`email`	string	No	Email
`phone`	string	No	Phone
`dateOfBirth`	string	No	`YYYY-MM-DD`
`address1`	string	No	Street address
`city`	string	No	City
`state`	string	No	State
`zipcode`	string	No	Postal code
`country`	string	No	ISO country code, e.g. `NG`
`idType`	string	No	e.g. `BVN`, `PASSPORT`
`idNumber`	string	No	ID number
`bvn`	string	No	Bank Verification Number

Request example

curl -X POST "https://api.usenumero.com/numeroaccount/api/v1/business/cardholders" \
  -H "X-Numero-Api-Key: your_api_key" \
  -H "X-Numero-Signature: $SIGNATURE" \
  -H "X-Numero-Signature-Version: v2" \
  -H "Content-Type: application/json" \
  -d '{
    "firstName": "Ada",
    "lastName": "Obi",
    "email": "[email protected]",
    "country": "NG",
    "bvn": "22222222222"
  }'

Response

{
  "data": {
    "customerId": "NCUS9953596C2B7F45",
    "firstName": "Ada",
    "lastName": "Obi",
    "email": "[email protected]",
    "phone": "08012345678",
    "country": "NG",
    "status": "Active",
    "activeCardCount": 1,
    "createdAt": "2026-06-16T12:00:00Z"
  },
  "error": null,
  "meta": {
    "request_id": "req_365123ebc73323f1482508560ce6400e",
    "pagination": null
  }
}

Getting Started

Transfers & Payouts

Collections (Virtual Accounts)

Wallet-as-a-Service

Customers

Invoices

Cards

Cardholders

Balance & Transactions

Value Added Services

Credit

Verification / KYC

Webhooks

Create Cardholder

Endpoint

Headers

Request body

Request example

Response

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