Enrollments API Endpoints

📘

The following endpoints are used for the enrollment process. For technical reference of all Enrollments API endpoints, please refer to the API Reference section.

Add Enrollment for User and Create Account/Card (Encrypted)

Creates a new enrollment for a user, including account and card creation. Supports instant issue scenarios and account upgrades (for example, from General Purpose Reloadable (GPR) to Direct Deposit Account (DDA) if the "upgradeFlag" parameter is true). This endpoint is also used for the card-in-hand use case to support instant issue enrollment.

Key operations performed:

• Create new user
• Create account
• Create payment instrument
• Support instant issue enrollment
• Support account upgrade

Note: If POST /enrollments is called with a valid request and enrollment fails during processing, the request will be automatically completed if the customer clears OFAC.

API Call Structure

POST /programs/{programCode}/enrollments

Request & Response - Parameters & Examples

These can be found in the API reference linked above in the API title.

Allowed Characters in Names

Allowed Characters:

• Uppercase letters: A-Z
• Lowercase letters: a-z
• Space ( )
• Single quote/apostrophe (')
• Hyphen (-)
• Period (.)
• Diacritics
  • Grave (À, à)
  • Acute (Á, á)
  • Tilde (Ã, ã, Ñ, ñ)
  • Cedilla (Ç, ç)
  • Circumflex (Î, î)
  • Diaeresis/Umlaut (Ü, ü)

Rules:

1. No consecutive special characters: Spaces, apostrophes, hyphens, and periods cannot appear twice or more in a row.
2. Diacritics must be paired with an alphabetic character (cannot be displayed alone).
3. Start and end with a letter: Names must begin and end with an alphabetic character (diacritics are allowed).
4. Maximum length: Each name field (First, Middle, Last) can be up to 25 characters.
   1. First Name: Minimum 2 characters, maximum 25 characters.
   2. Middle Name: Minimum 1 character, maximum 25 characters.
   3. Last Name: Minimum 2 characters, maximum 25 characters.
      Note: Diacritics are allowed for First, Middle, and Last Name.
5. Disallowed: All other characters (including emojis, numbers, and other symbols) are not permitted.

Suggested REGEX for validation:

^(?=.{1,30}$)[A-Za-z](?:[A-Za-z]|[ .'-](?![ '-]))*[A-Za-z]$

❗️

If firstName, middleName, lastName does NOT match rules above then a httpStatus code 400 Bad Request will be returned.

Standard SSN/ITIN vs. Foreign ID Enrollments

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There are two types of customers to enroll to create account/card, either via SSN/ITIN, or using a Foreign ID.

SSN/ITIN utilizes the standard userData that is collected and encrypted as part of our default enrollment flow. Examples can be found later in this documentation.

However, there are specific requirements for Foreign IDs.

Foreign ID

The following information must be collected for Foreign ID:

• First Name
• Last Name
• Middle Name (Optional)
• Address - Must be USA Address (Street, City, Zip, State) Cannot be a PO BOX, Cannot be private mailbox (PMB), Cannot be commercial mail receiving agency (CMRA), Cannot be a foreign address
• DOB (MM/DD/YYYY)
• Mobile phone

• Email
• ID Number
• Type of ID
• State/Country of Issuance
• Expiration Date

Additionally, there must also be the following additional questions and drop-down options for foreign ID.

Source of funds:

• Salary or wages
• Proceeds from selling assets, like investments or real estate
• Inheritance or gifts
• Business income
• Pension or Retirement
• Share sales and/or dividends
• Lottery/gambling winnings
• Compensation from legal settlements
• Government benefits

Occupation:

• Employed full-time
• Employed part-time
• Self-Employed/Business owner/Controller
• Student – Employed
• Student - Unemployed
• Unemployed
• Retired

To collect user data for foreign IDs (that will be encrypted before requesting the enrollment endpoint) use the following:

"{\"ProfileData\":{\"Addresses\":[{\"IsDefault\":true,\"AddressLine2\":\"SUITE 044\",\"AddressLine1\":\"15210 Cornell Rd\",\"Type\":\"home\",\"State\":\"OH\",\"ZipCode\":\"45241\",\"City\":\"Cincinnati\",\"IsVerified\":true}],\"FirstName\":\"ypoEHwLw\",\"LastName\":\"kMmFrINP\",\"MiddleName\":\"LRYTghiB\"},\"identifyingData\":{\"ssnSuffix\":\"\",\"dateOfBirth\":\"1993-10-12\",\"ssn\":\"\",\"identityType\":\"ConsulateId\",\"sourceFunds\":\"Business income\",\"identityValue\": \"729M99073065871\",\"identityCountryCode\": \"COL\",\"identityExpirationDate\": \"2029-10-10\",\"occupation\": \"Employed\"},\"email\":{\"IsDefault\":false,\"emailAddress\":\"[email protected]\",\"IsVerified\":true},\"phoneNumbers\":[{\"number\":\"1005150788\",\"isDefault\":true,\"IsVerified\":true,\"type\":\"Mobile\"}]}"

Catalog for Occupation & SourceOfFunds:

"Occupation": [
		"Employed",
		"Self-Employed/Business owner/Controller",
		"Student-Employed",
		"Student-Unemployed",
		"Unemployed",
		"Retired"
	],
"SourceOfFunds": [
		"Salary or wages",
		"Proceeds from selling assets, like investments or real estate",
		"Inheritance or gifts",
		"Business income",
		"Pension or Retirement",
		"Share sales and/or dividends",
		"Lottery/gambling winnings",
		"Compensation from legal settlements"
	]

Sample Unencrypted User Data

To execute Know Your Customer (KYC) successfully, the profileData, identifyingData, email, and phoneNumbers fields are required.

Upgrade Response Error Codes

KYC Verification

Note: To perform KYC verification checks on users, the userData object must have the following fields completed.

Note: For more information, refer to Sample Unencrypted User Data.

KYC Verification Response Codes

📘

More information about KYC can be found on the KYC Page.

Currency Response Codes

User Data Response Codes

Terms Acceptance Response Codes

Known Enrollment Error Codes

Bill Cycle Date (BCD)

Active accounts will return a bill cycle date when POST /enrollments is called.

• The bill cycle date will be returned as an accountCycleDay, which represents the first day of the statement cycle for an account.
• The accountCycleDay can be 1-28.

{
  "account":{
    "accountIdentifier":"58787933-9076-4f51-a217-8a2187033625",
    "accountReferenceNumber":"ACCP0000000",
    "status":"normal",
    "accountStatusChangedDateTime":"2020-04-02T16:46:20.13Z",
    "statusReasons":["healthy"],
    "directDepositInformation":{
      "accountNumber":"15**********00",
      "routingNumber":"******100"
    },
    "purses":[
      {
        "purseIdentifier":"d940751b-8208-4d18-9240-58e6ab8b6cfb",
        "purseType":"primary",
        "availableBalance":0.0,
        "ledgerBalance":0.0,
        "availableBalanceAsOfDateTime":"2020-04-02T14:46:19Z",
        "ledgerBalanceAsOfDateTime":"2020-04-02T14:46:19Z",
        "isHidden":false,
        "status":"active"
      }
    ],
    "accountHolders":[
      {
        "paymentInstruments":[
          {
            "encryptedPrivatePaymentInstrumentData":{
              "version":"EC_v1",
              "ephemeralPublicKey":"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEVMFTbdmLF5fffpAhSc99HgLvn7xOqbhMjXnTxCFOt5L1VomD3FHtFY7F128AuUDXEIDBLH0YwU42qzizyJBAqQ==",
              "publicKeyHash":"PiRV5ko8JYGxAtcNb9WV4aVg7aXIp8EsstmeUqqWzT8=",
              "data":"UhYFhBTSX6w/0LOTDfa5O0c+hy9exHIjrqJ6uNvi+Gf4kaut81Tvb9vdVTaFn8BpfGMscEx5QNzvxrh377PGD96bdpfhM0eJL9KjqmY8Rtv6/xC5ZqyzF92uYBkkZbFZ"
            },
            "paymentInstrumentIdentifier":"df2a43c1-2469-4cd4-b468-d1b51cac0059",
            "paymentInstrumentType":"virtual",
            "status":"activated",
            "isPinSet":true,
            "last4Pan":"0000",
            "activatedDateTime":"2020-04-02T16:46:19Z",
            "issuedDateTime":"2020-04-02T16:46:19Z",
            "isPrivateDataViewable":true
          },
          {
            "encryptedPrivatePaymentInstrumentData":{
              "version":"EC_v1",
              "ephemeralPublicKey":"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEn+LEayHfNDYMokvYnD7SsAL4dzyfbZ19NZCHsIaqd07KDIkpZh7T4W3QilkYQDOqRJvAKRiINuh5KcPeDoxLSA==",
              "publicKeyHash":"PiRV5ko8JYGxAtcNb9WV4aVg7aXIp8EsstmeUqqWzT8=",
              "data":"XbyTkaysIEcIQnppkDq8W8namlB9J96UvRVyt1TYYUpUn1OY7wrtFpC1HPRibPQZup8NfWp/7l5sq8ker1rvZqBo8Mw8QQIDH3QsXKj9kr7SwZY2"
            },
            "paymentInstrumentIdentifier":"2adba9d0-4f30-43f8-aa20-0a286ba4bd13",
            "paymentInstrumentType":"emv",
            "status":"notActivated",
            "isPinSet":true,
            "last4Pan":"0000",
            "issuedDateTime":"2020-04-02T16:46:20Z",
            "isPrivateDataViewable":false
          }
        ],
        "user":{
          "userIdentifier":"079c8dde-71c1-4ac7-b93a-cb187eb44ae2",
          "peerTransferAcceptPreference":"manual",
          "status":"active",
          "isPrimaryAccountHolder":true,
          "kycStateData":{
            "ofacStatus":"passed",
            "kycStatus":"passed",
            "kycPendingGate":"healthy"
          }
        }
      }
    ],
    "accountCycleDay":2 – The first day of the statement cycle for an account.
  },
  "responseDetails":[
    {
      "code":0,
      "subCode":0,
      "description":"Success",
      "url":"http://tbd"
    }
  ]" "
}

Idempotent Retry and Billing Cycle Dates

Note: Accounts must have a billing cycle date to have a normal account status.

• Typically, the Billing Cycle Date (BCD) returned as an accountcycleday is automatically created at the time of enrollment, but in conditions where it cannot be created, the account will be left in a pending state.

Partners should make an idempotent call in these situations. The idempotent call for POST /enrollments will populate the BCD when the idempotent retry process is completed. The account status will also be set to normal.

Example: Using a POST /enrollments idempotent call to populate the BCD.

1st POST /enrollments call fails, and the BCD is null. The paymentIdentifier and the payment instruments are not created. The account is in a pending/registration not complete state.

Sample Request Body:-
{
  "user":
  {
    "encryptedUserData":
	{
      "version":"EC_v1",
      "ephemeralPublicKey":"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEF+93ZmoH5cG5W30Lf8MIMeoOAd2BZJ1sLWUBsKrGqMT/fnTjN1MwqLFBiZwhICEX95uxdyuPuKgy05FObHm6hw==",
      "publicKeyHash":"kMhnzB6afrTdRvVFjhOQ5kjUTrPKvkygSCZQXQzNHYo=",      "data":"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"
    },
    "termsAcceptances":
	[{
        "termsIdentifier":"termsAndConditions",
        "termsAcceptanceDateTime":"2020-08-22T00:17:07.318Z"
    }]
  },
  "account":
  {
    "productCode":"50400",
    "productMaterialType":"pvc",
    "currency":"USD",
    "termsAcceptances":
	[
      {
        "termsIdentifier":"termsAndConditions",
        "termsAcceptanceDateTime":"2020-08-22T00:17:07.318Z",
        "termsAcceptanceFlag":"true"
      },
      {
        "termsIdentifier":"privPlcy",
        "termsAcceptanceDateTime":"2020-08-22T00:17:07.318Z",
        "termsAcceptanceFlag":"false"
      }
    ]
  },
  "requestPhysicalCardFlag":true,
  "executeKycFlag":true
}

Sample Response:-
{
  "account":{    
  },
  "responseDetails":[
    {
      "code":503,
      "subCode":0,
      "description":"Fail",
      "url":"http://tbd"
    }
  ]
}

The 2nd POST /enrollments call that is Idempotent puts the account into a normal healthy state once the idempotent retry process is completed. The BCD is populated and the paymentIdentifier and payment instruments are created. An Account Updated Webhook is sent.

Sample Request Body:-
{
  "user":{
    "encryptedUserData":{
      "version":"EC_v1",
      "ephemeralPublicKey":"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEF+93ZmoH5cG5W30Lf8MIMeoOAd2BZJ1sLWUBsKrGqMT/fnTjN1MwqLFBiZwhICEX95uxdyuPuKgy05FObHm6hw==",
      "publicKeyHash":"kMhnzB6afrTdRvVFjhOQ5kjUTrPKvkygSCZQXQzNHYo=",      "data":"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"
    },
    "termsAcceptances":[
      {
        "termsIdentifier":"termsAndConditions",
        "termsAcceptanceDateTime":"2020-08-22T00:17:07.318Z"
      }
    ]
  },
  "account":{
    "productCode":"50400",
    "productMaterialType":"pvc",
    "currency":"USD",
    "termsAcceptances":[
      {
        "termsIdentifier":"termsAndConditions",
        "termsAcceptanceDateTime":"2020-08-22T00:17:07.318Z",
        "termsAcceptanceFlag":"true"
      },
      {
        "termsIdentifier":"privPlcy",
        "termsAcceptanceDateTime":"2020-08-22T00:17:07.318Z",
        "termsAcceptanceFlag":"false"
      }
    ],
    "fraudData":{
      "key":"string",
      "key":{
        "prop1":"val1",
        "prop2":"val2"
      }
    }
  },
  "requestPhysicalCardFlag":true,
  "encryptedPin":{
    "version":"EC_v1",
    "ephemeralPublicKey":"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEmx9T4EJNQHNWHRnf+U48rFWlrUwhXyivdkZrUl2rD4wVVJInEs8MRP7ISABTKEqh8NDdWAsc8hsKtGtxHgYA4A==",
    "publicKeyHash":"kMhnzB6afrTdRvVFjhOQ5kjUTrPKvkygSCZQXQzNHYo=",
    "data":"n8V1k4aSNNqsZWebsq2BKqkWGgFbf2lmS7mklbJo"
  },
  "executeKycFlag":"true"

Sample Response:-
{
    "account":{
      "accountIdentifier":"90edb081-299c-44f1-9a59-f8ddf5ba6155",
      "accountReferenceNumber":"UNP5639733",
      "status":"normal",
      "accountStatusChangedDateTime":"2020-08-22T00:20:19.560Z",
      "statusReasons":[
        "healthy"
      ],
      "directDepositInformation":{
        "accountNumber":"10157253856458",
        "routingNumber":"096017418"
      },
      "purses":[
        {
          "purseIdentifier":"a4b2e6e4-0e80-4e7a-91ca-7ede3913b2ed",
          "purseType":"primary",
          "availableBalance":0.0000,
          "ledgerBalance":0.0000,
          "availableBalanceAsOfDateTime":"2020-08-21T22:20:16Z",
          "ledgerBalanceAsOfDateTime":"2020-08-21T22:20:16Z",
          "isHidden":false,
          "status":"active"
        }
      ],
      "accountHolders":[
        {
          "paymentInstruments":[
            {
              "paymentIdentifier":"6a69336f-78df-40ec-998b-1a0cc4ea1d1b",
              "paymentInstrumentIdentifier":"30f5874d-1e33-4ea4-94fd-4ed47185c14e",
              "paymentInstrumentType":"virtual",
              "status":"activated",
              "isPinSet":false,
              "last4Pan":"7186",
              "activatedDateTime”: "2020-08-22T00":"20":16Z",             
			  "issuedDateTime": "2020-08-22T00":"20":16Z",             
			  "isPrivateDataViewable": false          
			  }],       
			  "user": 
			  {          
				  "firstName": "ZdzYPOIT",          
				  "lastName": "GIiQqxEo",          
				  "dobStatus": "matched",          
				  "last4Identity": "2353",          
				  "identityType": "ssn",          
				  "userIdentifier": "41545272-7f24-4703-bab5-5ae5bae2a303",          
				  "status": "active",          
				  "isPrimaryAccountHolder": true,          
				  "kycStateData": 
				  {             
					  "ofacStatus": "passed",             
					  "kycStatus": "passed",             
					  "kycPendingGate": "healthy"          
				  }       
			  }    
		}], 
		accountCycleDay": 21
   },
   "responseDetails":[
	{
	  "code":0,
	  "subCode":0,
	  "description":"Success",
	  "url":"http://tbd"
	}]

Active Consumer Account Limits

An account is considered active when it has been activated and either has an account status of normal or a kycPendingGate (aka: Cure) with a value other than none. There is a limit to the number of active accounts allowed per social security number for Consumer Accounts.

When the Active Account Limit rule is encountered during a POST /enrollments call and the date of births match, the most recent active enrollment details will be returned. If the date of births do not match, only the response details will be returned.

Social Security Number (SSN) Limits

• Up to 1 active accounts with the same SSN per program is allowed
• Up to 3 lifetime accounts with the same SSN per program are allowed

Phone Limits - Default or Primary Phone Number on Account

The following phone limits will be implemented (during enrollment) only for the phone number that is listed as the default for the account:

• Up to 2 active accounts with the same phone number per program are allowed
• Up to 10 lifetime accounts with the same phone number per program are allowed

Note: Updates requested for phone numbers that exceed the current phone limits will be declined.

ITIN Limits

• Up to 1 active accounts with the same ITIN per program are allowed
• Up to 3 lifetime accounts with the same ITIN per program are allowed

Refer to Active Small Business Account Limits for details about small business account limit thresholds.

Response Codes

Sample Response – Date of Births Match

Sample Response – Date of Births Match:-
{
  "account":{
    "accountIdentifier":"8e1bd112-661b-473f-acad-4ed6181c4c21",
    "accountReferenceNumber":"OXF2701925",
    "status":"normal",
    "statusReasons":[
      "healthy"
    ],
    "directDepositInformation":{
      "accountNumber":"101034163709758",
      "routingNumber":"096017418"
    },
    "purses":[
      {
        "purseIdentifier":"252d1bc1-754f-46e8-95df-aade9bcf25c3",
        "         ""purseType":"primary",
        "availableBalance":0.0,
        "ledgerBalance":0.0,
        "availableBalanceAsOfDateTime":"2018-10-18T21:10:32Z",
        "ledgerBalanceAsOfDateTime":"2018-10-18T21:10:32Z"
      }
    ],
    "accountHolders":[
      {
        "user":{
          "userIdentifier":"1b19ffb1-e869-4c83-8eaa-4af6e5e867c2",
          "status":"active",
          "isPrimaryAccountHolder":true,
          "kycStateData":{
            "ofacStatus":"passed",
            "kycStatus":"passed",
            "kycPendingGate":"healthy"
          }
        },
        "paymentInstruments":[
          {
            "paymentInstrumentIdentifier":"1e5ea745-d3ac-41e6-a703-29c9974c9e49",
            "paymentInstrumentType":"virtual",
            "status":"activated",
            "isPinSet":false,
            "last4Pan":"3782",
            "activatedDateTime":"2018-10-18T23:10:32Z",
            "issuedDateTime":"2018-10-18T23:10:32Z",
            "isPrivateDataViewable":"false"
          }
        ]
      }
    ]
  },
  "responseDetails":[
    {
      "code":2,
      "subCode":60,
      "description":"Number of Active Accounts Exceeded.",
      "url":"http://tbd"
    }
  ]
}

Sample Response – Date of Births do not Match:-
{
  "responseDetails":[
    {
      "code":2,
      "subCode":60,
      "description":"Number of Active Accounts Exceeded.",
      "url":"http://tbd"
    }
  ]
}

Business Rule Response Sub-Codes

Refer to Business Rule Response Sub-Codes for details.

Gets Enrollment Details (Encrypted)

Retrieves enrollment details for an account. The response is encrypted.

📘

This API will return two account holders for a joint account.

Note: During the GPR > DDA upgrade process, the response will include the UpgradeKycStateData property. If the account is already a DDA account, the response will not include the UpgradeKycStateData property.

API Call Structure

GET /programs/{programCode}/enrollments/accounts/{accountIdentifier}

Joint Account Enrollment Scenario

This API will return two account holders for a joint account.

Route Parameters

Headers

Sample Joint Account Enrollment Details Response

{
  "account": {
    "accountIdentifier": "55881304-e02f-4048-a176-5efb4f6c8a79",
    "accountReferenceNumber": "APM8757797",
    "productCode": "50400",
    "productTierKey": 32,
    "currency": "USD",
    "status": "normal",
    "instantIssue": false,
    "statusReasons": [
      "healthy"
    ],
    "accountStatusChangedDateTime": "2025-02-04T07:53:34.140Z",
    "directDepositInformation": {
      "accountNumber": "11150794159285",
      "routingNumber": "124303214"
    },
    "purses": [
      {
        "purseIdentifier": "2201b224-fa8b-48cc-bcd6-4afa55033190",
        "purseType": "primary",
        "availableBalance": 0,
        "ledgerBalance": 0,
        "availableBalanceAsOfDateTime": "2025-02-04T05:53:06Z",
        "ledgerBalanceAsOfDateTime": "2025-02-04T05:53:06Z",
        "isHidden": false,
        "status": "active",
        "interestRateTier": "",
        "isRoundUp": false
      }
    ],
    "accountHolders": [
      {
        "paymentInstruments": [
          {
            "paymentIdentifier": "6e9b39ec-d7f3-4303-a64d-568de0ebccae",
            "paymentInstrumentIdentifier": "6e289520-79a9-4da4-8444-6a9868f094f0",
            "paymentInstrumentType": "virtual",
            "status": "activated",
            "isPinSet": false,
            "last4Pan": "2557",
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  ]
}