Account Creation API

post

https://sandbox.api.of.ayoconnect.id/em/api/v1.0/registration-account-creation

This API creates an E-Wallet account. The merchant must specify additionalInfo.additionalInfo.accountType as NON-KYC or KYC. For NON-KYC account creation, KYC identity and document information is not required. For KYC account creation, additionalInfo.identity and additionalInfo.kycDocuments are mandatory. name, phoneNo, and email are optional profile fields and are not used as KYC validation conditions. Business/KYB onboarding is processed manually and is not supported through this API.

Service Code: 06

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Body Params

partnerReferenceNo

string

required

length between 32 and 32

^[A-Za-z0-9]{32}$

Unique 32-character transaction identifier generated by the partner.

customerId

string

required

length between 1 and 45

^[A-Za-z0-9_-]+$

Customer account identifier defined by the merchant. Must be unique within the merchant and is used as the E-Wallet account identifier.

string

length ≤ 254

Optional customer email address. This field is profile information only and is not used as a KYC validation condition.

name

string

length between 1 and 128

Optional customer full name. This field is profile information only and is not used as a KYC validation condition.

phoneNo

string

length between 1 and 32

Optional customer mobile phone number. This field is profile information only and is not used as a KYC validation condition.

merchantId

string

required

length between 6 and 6

6-character merchant identifier unique to each merchant.

additionalInfo

object

required

Mandatory. Contains the requested account type and conditional KYC information. accountType is mandatory. When accountType is KYC, identity and kycDocuments are mandatory. For NON-KYC, identity and kycDocuments may be omitted.

Headers

X-TIMESTAMP

string

required

length between 24 and 27

Client's current local time in yyyy-MM-ddTHH:mm:ssTZD ISO-8601 format.

X-SIGNATURE

string

required

Represents the signature of a request. Symmetric signature: HMAC_SHA512(clientSecret, stringToSign). stringToSign = HTTPMethod + ":" + URLPath + ":" + AccessToken + ":" + Lowercase(HexEncode(SHA-256(minify(RequestBody)))) + ":" + X-TIMESTAMP

X-PARTNER-ID

string

required

length between 6 and 6

6-character merchant identifier unique to each merchant.

X-EXTERNAL-ID

string

required

length between 32 and 32

^[A-Za-z0-9]{32}$

Alphanumeric unique identifier generated by the merchant for each API request attempt.

CHANNEL-ID

string

required

length between 5 and 5

^[0-9]{5}$

Numeric PJP channel identifier. Must remain consistent within the same flow.

Responses

200Account Created Successfully

400Failed Operation

401Unauthorized

409Conflict

500Backend System Failure