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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 not signature-gated.

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Endpoint

POST /api/v1/business/cardholders
Signature required: No

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Headers

HeaderRequiredDescription
X-Numero-Api-KeyYesYour API key

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Request body

FieldTypeRequiredDescription
firstNamestringYesCardholder first name
lastNamestringYesCardholder last name
emailstringNoEmail
phonestringNoPhone
dateOfBirthstringNoYYYY-MM-DD
address1stringNoStreet address
citystringNoCity
statestringNoState
zipcodestringNoPostal code
countrystringNoISO country code, e.g. NG
idTypestringNoe.g. BVN, PASSPORT
idNumberstringNoID number
bvnstringNoBank Verification Number

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Request example

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

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Response

{
  "status": true,
  "message": "Successful",
  "code": "200",
  "version": "v1",
  "reference": "N20260616120000",
  "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
}