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POST
Create a new Business Identity

Authorizations

Authorization
string
header
required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Body

application/json
email
string<email>
required

The primary email address of the business

Example:

"business@example.com"

name
string
required

The name of the business

Required string length: 3 - 100
Example:

"Example Corp"

address
object
required

The address of the main business location

phone
string

The phone number of the business

Required string length: 7 - 20
Example:

"+1234567890"

taxId
string

The tax identification number of the business. Required for EEA-incorporated businesses by 2026-12-31.

Required string length: 3 - 20
Example:

"123456789"

nameInLocalScript
string

The same name written in the script used where the recipient banks. Required by corridors that verify the local-script name alongside the Latin one.

Required string length: 1 - 200
Example:

"张伟"

businessRegistrationNumber
string

The business registration number issued by the incorporation country's registry (e.g. SIREN for France, Companies House number for the UK). Enforced for EEA-incorporated businesses at Bridge SEPA compliance-check time.

Required string length: 3 - 50
Example:

"732829320"

hasForeignTaxRegistration
boolean

Whether the business has tax registrations with any tax authority outside its incorporation country. Required for EEA-incorporated businesses by 2026-12-31.

Example:

false

dateOfIncorporation
string<date>

The date when the business was incorporated in format yyyy-mm-dd

Example:

"2003-01-01"

description
string

Detailed description of the business: its main activities, the products or services it offers. Walapay requires at least 200 characters.

Maximum string length: 1024
Example:

"Acme Technology Solutions Ltd is a B2B software company that designs, builds, and maintains cloud-based inventory and logistics platforms for mid-sized retailers across North America and Europe."

sourceOfFunds
enum<string>

The source of funds for the business

Available options:
business_loans,
business_revenue,
equity_funding,
grants,
inter_company_funds,
investment_proceeds,
legal_settlement,
legal_settlement_tax_refund,
owners_capital,
pension_retirement,
sale_of_assets,
sales_of_goods_and_services,
third_party_funds,
treasury_reserves
Example:

"inter_company_funds"

sourceOfWealth
enum<string>

How the business built its wealth, as opposed to where the money on the account came from. Required by some providers before a virtual account can be issued.

Available options:
BusinessDividendsOrProfits,
Investments,
AssetSales,
ClientInvestorContributions,
Gambling,
CharitableContributions,
Inheritance,
AffiliateOrRoyaltyIncome
Example:

"BusinessDividendsOrProfits"

sourceOfFundsDescription
string

Description of the source of funds for the business' account

Maximum string length: 255
Example:

"Profits from sales of goods and services"

businessIndustryCode
enum<string>

The industry code of the business

Available options:
111110,
111120,
111130,
111140,
111150,
111160,
111191,
111199,
111211,
111219,
111310,
111320,
111331,
111332,
111333,
111334,
111335,
111336,
111339,
111411,
111419,
111421,
111422,
111910,
111920,
111930,
111940,
111991,
111992,
111998,
112111,
112112,
112120,
112210,
112310,
112320,
112330,
112340,
112390,
112410,
112420,
112511,
112512,
112519,
112910,
112920,
112930,
112990,
113110,
113210,
113310,
114111,
114112,
114119,
114210,
115111,
115112,
115113,
115114,
115115,
115116,
115210,
115310,
211120,
211130,
212114,
212115,
212210,
212220,
212230,
212290,
212311,
212312,
212313,
212319,
212321,
212322,
212323,
212390,
213111,
213112,
213113,
213114,
213115,
221111,
221112,
221113,
221114,
221115,
221116,
221117,
221118,
221121,
221122,
221210,
221310,
221320,
221330,
236115,
236116,
236117,
236118,
236210,
236220,
237110,
237120,
237130,
237210,
237310,
237990,
238110,
238111,
238112,
238121,
238122,
238131,
238132,
238140,
238141,
238142,
238151,
238152,
238160,
238161,
238162,
238171,
238172,
238191,
238192,
238210,
238211,
238212,
238220,
238221,
238222,
238291,
238292,
238311,
238312,
238321,
238322,
238331,
238332,
238341,
238342,
238350,
238351,
238352,
238391,
238392,
238911,
238912,
238990,
238991,
238992,
311111,
311119,
311211,
311212,
311213,
311221,
311224,
311225,
311230,
311313,
311314,
311340,
311351,
311352,
311411,
311412,
311421,
311422,
311423,
311511,
311512,
311513,
311514,
311520,
311611,
311612,
311613,
311615,
311710,
311811,
311812,
311813,
311821,
311824,
311830,
311911,
311919,
311920,
311930,
311941,
311942,
311991,
311999,
312111,
312112,
312113,
312120,
312130,
312140,
312230,
313110,
313210,
313220,
313230,
313240,
313310,
313320,
314110,
314120,
314910,
314994,
314999,
315120,
315210,
315250,
315990,
316110,
316210,
316990,
321113,
321114,
321211,
321212,
321215,
321219,
321911,
321912,
321918,
321920,
321991,
321992,
321999,
322110,
322120,
322130,
322211,
322212,
322219,
322220,
322230,
322291,
322299,
323111,
323113,
323117,
323120,
324110,
324121,
324122,
324191,
324199,
325110,
325120,
325130,
325180,
325193,
325194,
325199,
325211,
325212,
325220,
325311,
325312,
325314,
325315,
325320,
325411,
325412,
325413,
325414,
325510,
325520,
325611,
325612,
325613,
325620,
325910,
325920,
325991,
325992,
325998,
326111,
326112,
326113,
326121,
326122,
326130,
326140,
326150,
326160,
326191,
326199,
326211,
326212,
326220,
326291,
326299,
327110,
327120,
327211,
327212,
327213,
327215,
327310,
327320,
327331,
327332,
327390,
327410,
327420,
327910,
327991,
327992,
327993,
327999,
331110,
331210,
331221,
331222,
331313,
331314,
331315,
331318,
331410,
331420,
331491,
331492,
331511,
331512,
331513,
331523,
331524,
331529,
332111,
332112,
332114,
332117,
332119,
332215,
332216,
332311,
332312,
332313,
332321,
332322,
332323,
332410,
332420,
332431,
332439,
332510,
332613,
332618,
332710,
332721,
332722,
332811,
332812,
332813,
332911,
332912,
332913,
332919,
332991,
332992,
332993,
332994,
332996,
332999,
333111,
333112,
333120,
333131,
333132,
333241,
333242,
333243,
333248,
333310,
333413,
333414,
333415,
333511,
333514,
333515,
333517,
333519,
333611,
333612,
333613,
333618,
333912,
333914,
333921,
333922,
333923,
333924,
333991,
333992,
333993,
333994,
333995,
333996,
333998,
334111,
334112,
334118,
334210,
334220,
334290,
334310,
334412,
334413,
334416,
334417,
334418,
334419,
334510,
334511,
334512,
334513,
334514,
334515,
334516,
334517,
334519,
334610,
335131,
335132,
335139,
335210,
335220,
335311,
335312,
335313,
335314,
335910,
335921,
335929,
335931,
335932,
335991,
335999,
336110,
336120,
336211,
336212,
336213,
336214,
336310,
336320,
336330,
336340,
336350,
336360,
336370,
336390,
336411,
336412,
336413,
336414,
336415,
336419,
336510,
336611,
336612,
336991,
336992,
336999,
337110,
337121,
337122,
337126,
337127,
337211,
337212,
337214,
337215,
337910,
337920,
339112,
339113,
339114,
339115,
339116,
339910,
339920,
339930,
339940,
339950,
339991,
339992,
339993,
339994,
339995,
339999,
423110,
423120,
423130,
423140,
423210,
423220,
423310,
423320,
423330,
423390,
423410,
423420,
423430,
423440,
423450,
423460,
423490,
423510,
423520,
423610,
423620,
423690,
423710,
423720,
423730,
423740,
423810,
423820,
423830,
423840,
423850,
423860,
423910,
423920,
423930,
423940,
423990,
424110,
424120,
424130,
424210,
424310,
424340,
424350,
424410,
424420,
424430,
424440,
424450,
424460,
424470,
424480,
424490,
424510,
424520,
424590,
424610,
424690,
424710,
424720,
424810,
424820,
424910,
424920,
424930,
424940,
424950,
424990,
425120,
441110,
441120,
441210,
441222,
441227,
441330,
441340,
444110,
444120,
444140,
444180,
444230,
444240,
445110,
445131,
445132,
445230,
445240,
445250,
445291,
445292,
445298,
445320,
449110,
449121,
449122,
449129,
449210,
454113,
454390,
455110,
455211,
455219,
456110,
456120,
456130,
456191,
456199,
457110,
457120,
457210,
458110,
458210,
458310,
458320,
459110,
459120,
459130,
459140,
459210,
459310,
459410,
459420,
459510,
459910,
459920,
459930,
459991,
459999,
481111,
481112,
481211,
481212,
481219,
482111,
482112,
483111,
483112,
483113,
483114,
483211,
483212,
484110,
484121,
484122,
484210,
484220,
484230,
485111,
485112,
485113,
485119,
485210,
485310,
485320,
485410,
485510,
485991,
485999,
486110,
486210,
486910,
486990,
487110,
487210,
487990,
488111,
488119,
488190,
488210,
488310,
488320,
488330,
488390,
488410,
488490,
488510,
488991,
488999,
491110,
492110,
492210,
493110,
493120,
493130,
493190,
512110,
512120,
512131,
512132,
512191,
512199,
512230,
512240,
512250,
512290,
513110,
513120,
513130,
513140,
513191,
513199,
513210,
515210,
516110,
516120,
516210,
517111,
517112,
517121,
517410,
517810,
518210,
519210,
519290,
521110,
522110,
522130,
522180,
522210,
522220,
522291,
522292,
522298,
522299,
522310,
522320,
522390,
523150,
523160,
523210,
523910,
523940,
523991,
523999,
524113,
524114,
524126,
524127,
524128,
524130,
524210,
524291,
524292,
524298,
525110,
525120,
525190,
525910,
525920,
525990,
531110,
531120,
531130,
531190,
531210,
531311,
531312,
531320,
531390,
532111,
532112,
532120,
532210,
532281,
532282,
532283,
532284,
532289,
532310,
532411,
532412,
532420,
532490,
533110,
541110,
541191,
541199,
541211,
541213,
541214,
541219,
541310,
541320,
541330,
541340,
541350,
541360,
541370,
541380,
541410,
541420,
541430,
541490,
541511,
541512,
541513,
541519,
541611,
541612,
541613,
541614,
541618,
541620,
541690,
541713,
541714,
541715,
541720,
541810,
541820,
541830,
541840,
541850,
541860,
541870,
541890,
541910,
541921,
541922,
541930,
541940,
541990,
551111,
551112,
551114,
561110,
561210,
561311,
561312,
561320,
561330,
561410,
561421,
561422,
561431,
561439,
561440,
561450,
561491,
561492,
561499,
561510,
561520,
561591,
561599,
561611,
561612,
561613,
561621,
561622,
561710,
561720,
561730,
561740,
561790,
561910,
561920,
561990,
562111,
562112,
562119,
562211,
562212,
562213,
562219,
562910,
562920,
562991,
562998,
611110,
611210,
611310,
611410,
611420,
611430,
611511,
611512,
611513,
611519,
611610,
611620,
611630,
611691,
611692,
611699,
611710,
621111,
621112,
621210,
621310,
621320,
621330,
621340,
621391,
621399,
621410,
621420,
621491,
621492,
621493,
621498,
621511,
621512,
621610,
621910,
621991,
621999,
622110,
622210,
622310,
623110,
623210,
623220,
623311,
623312,
623990,
624110,
624120,
624190,
624210,
624221,
624229,
624230,
624310,
624410,
711110,
711120,
711130,
711190,
711211,
711212,
711219,
711310,
711320,
711410,
711510,
712110,
712120,
712130,
712190,
713110,
713120,
713210,
713290,
713910,
713920,
713930,
713940,
713950,
713990,
721110,
721120,
721191,
721199,
721211,
721214,
721310,
722310,
722320,
722330,
722410,
722511,
722513,
722514,
722515,
811111,
811114,
811121,
811122,
811191,
811192,
811198,
811210,
811310,
811411,
811412,
811420,
811430,
811490,
812111,
812112,
812113,
812191,
812199,
812210,
812220,
812310,
812320,
812331,
812332,
812910,
812921,
812922,
812930,
812990,
813110,
813211,
813212,
813219,
813311,
813312,
813319,
813410,
813910,
813920,
813930,
813940,
813990,
814110,
921110,
921120,
921130,
921140,
921150,
921190,
922110,
922120,
922130,
922140,
922150,
922160,
922190,
923110,
923120,
923130,
923140,
924110,
924120,
925110,
925120,
926110,
926120,
926130,
926140,
926150,
927110,
928110,
928120,
999999
Example:

"336390"

website
string<uri>

The website URL of the business

Maximum string length: 200
Example:

"https://example.com"

businessType
enum<string>

How the business is legally registered

Available options:
Cooperative,
Corporation,
Llc,
Other,
Partnership,
SoleProp,
Trust
Example:

"Llc"

isDao
boolean

Indicates if the business is a Decentralized Autonomous Organization (DAO)

Example:

false

hasMaterialIntermediaryOwnership
boolean

The business has at least one intermediate legal entity owner with 25% or more ownership

Example:

false

businessTradeName
string

The trading name or "Doing Business As" name under which the business operates publicly

Maximum string length: 100
Example:

"Example Solutions"

accountPurpose
enum<string>

The primary purpose of the business account

Available options:
charitable_donations,
ecommerce_retail_payments,
investment_purposes,
other,
payments_to_friends_or_family_abroad,
payroll,
personal_or_living_expenses,
protect_wealth,
purchase_goods_and_services,
receive_payments_for_goods_and_services,
tax_optimization,
third_party_money_transmission,
treasury_management
Example:

"investment_purposes"

accountPurposeOther
string

Other account purpose (required if accountPurpose is 'Other')

Maximum string length: 255
ultimateBeneficialOwners
(Beneficial Owner of Existing Identity Β· object | Beneficial Owner of New Identity Β· object)[]

List of ultimate beneficial owners of the business

annualRevenue
enum<string>

Estimated annual revenue

Available options:
Under100K,
From100KTo1M,
From1MTo10M,
From10MTo50M,
From50MTo250M,
Over250M
Example:

"From1MTo10M"

approximateMonthlyTransaction
enum<string>

Approximate number of transactions the business expects to conduct each month

Available options:
Under10,
From10To100,
From100To1000,
From1000To10000,
From10000To100000,
From100000To1M,
Over1M
Example:

"From10To100"

expectedMonthlyVolumeUsd
enum<string>

Estimated amount the business expects to send and receive each month, in USD

Available options:
Under10K,
From10KTo50K,
From50KTo250K,
From250KTo1M,
From1MTo5M,
From5MTo10M,
Over10M
Example:

"From50KTo250K"

highRiskActivities
enum<string>[]

List of high-risk activities the business is involved in. Use ['none_of_the_above'] to disclose that none apply β€” omitting the field leaves the disclosure unanswered

Available options:
adult_entertainment,
gambling,
hold_client_funds,
investment_services,
lending_banking,
marijuana_or_related_services,
money_services,
nicotine_tobacco_or_related_services,
operate_foreign_exchange_virtual_currencies_brokerage_otc,
pharmaceuticals,
precious_metals_precious_stones_jewelry,
safe_deposit_box_rentals,
third_party_payment_processing,
weapons_firearms_and_explosives,
none_of_the_above
Example:
highRiskActivitiesExplanation
string

Explanation of the high-risk activities the business is involved in. Required when highRiskActivities contains anything other than 'none_of_the_above'

Maximum string length: 1024
Example:

"We operate a licensed OTC desk for institutional clients in the EU."

operatesInProhibitedCountries
boolean

Does the business operate in any prohibited countries?

Example:

false

actingAsIntermediary
boolean

Whether the business is acting as an intermediary for another party

Example:

false

conductsMoneyServices
boolean

Whether the business offers money services, investment products, and/or other financial services

Example:

false

conductsMoneyServicesUsingProvider
boolean

Whether the business plans to conduct money services using the specified provider. Relevant when conductsMoneyServices is true

Example:

false

conductsMoneyServicesDescription
string

Description of the money services offered by the business. Required when conductsMoneyServices is true

Maximum string length: 1024
Example:

"Cross-border remittances for retail customers"

complianceScreeningExplanation
string

Detailed description of the business's compliance and anti-money laundering controls and practices. Required when conductsMoneyServices is true

Maximum string length: 1024
Example:

"We screen all customers against OFAC and EU sanctions lists..."

approximateDepositFirstMonth
string
deprecated

Deprecated: use expectedMonthlyVolumeUsd instead. Estimated deposits for the first month

Maximum string length: 10
conductsMoneyServicesUsingBridge
boolean
deprecated

Deprecated: use conductsMoneyServicesUsingProvider instead.

Example:

false

transmitsCustomersFunds
boolean
deprecated

Deprecated: Indicates if the business transmits customer funds

Example:

false

Response

Successfully created Business Identity data.

id
string
required
type
enum<string>
required
Available options:
Personal,
Business
deleted
boolean
required
hasComplianceChecks
boolean
required
data
object
required
cryptoCredential
object

The Mastercard Crypto Credential for this identity. Omitted entirely when the organization has no Crypto Credential configuration or the identity has no credential yet.