Create Account

Use the Create Account endpoint to create an account for a new customer. You can use this endpoint for personalized, instant issue, and secondary products.

This endpoint runs CIP if you are using Galileo's integrated CIP process. In contrast with the Start Enrollment endpoint, Create Account creates a customer record and at the same time creates an account. Depending on product settings, it also creates a card and loads funds onto it.

Consult the Creating an Account procedure for instructions on using this endpoint, and consult the Customer ID Verification guide for how to use this endpoint with Galileo's integrated CIP solution. The instructions include a flowchart to illustrate how Create Account works in the Galileo system. Also see Create Account vs Add Account in the About Accounts guide.

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Note

You can receive PCI-sensitive information only if your provider parameters permit it.

Duplicate use of customer ID

Galileo can configure your product parameters to allow or disallow the duplicate use of customer IDs such as SSNs across your programs. (If one of your prospective customers already has a product with another Galileo partner, no duplicate is detected.)

If your program parameters disallow duplicate use of customer IDs, during the Create Account operation Galileo checks enrollment data across your programs to confirm that there are no accounts in application submitted (V), canceled without refund (Z), or active (N) status with the same ID. If no account is found in these statuses, the enrollment is allowed.

CIP response

If you are using Galileo's integrated CIP solution, the Create Account response includes the verdict. Consult Create Account and Create Virtual Account Process in the Customer ID Verification (CIP/KYC) guide for more information.

Test names in the CV environment

In the CV environment only, you can use specific names with the Create Account endpoint to trigger different CIP responses. For the firstName, middleName, and lastName parameters, use these values:

• John F Smith — Triggers a CIP failure (F)
• John R Smith — Triggers a CIP refer (R)
• John P Smith — Triggers a CIP pass (P)

Do not use these test names in Production.

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Note

If this endpoint returns a status code that does not match a status code that is specific to this endpoint, it may be an enrollment status code. See Enrollment Statuses for more information.