# Create an Application

If created successfully, a 201 response gets returned and adds a location header
to the response which refers to the new created .


Endpoint: POST /applications
Version: 2022-02-01
Security: BasicAuth

## Request fields (application/json):

  - `account_updater_enabled` (boolean)
    When enabled at the -level, Finix automatically checks for updates with card networks for all payment cards created after the feature is activated. This Account Updater functionality:

- Automatically updates card details (e.g., number or expiration date) to maintain continuity of charges, increasing authorization rates.
- Saves cardholders the hassle of updating card details across merchants.
- Applies to all payment instruments by default but can be disabled for specific cards.

The default value is  as explicit opt-in is required.

: Cards created before the feature is enabled are unaffected by default. To include these cards, you can manually enable the Account Updater functionality for each card individually using a PUT request. Once enabled, you can link the card to this API call to trigger updates with card networks.

  - `entity` (object)
    Information needed to verify the identity of the entity.

  - `entity.amex_mid` (string,null)
    Assigned amex_Mid value. If included must be 10 or 11 digits.

  - `entity.annual_card_volume` (integer)
    Approximate annual credit card sales expected to be processed in cents by this seller (max 19 characters).

  - `entity.business_address` (object,null, required)
    Primary address for the legal entity.

  - `entity.business_address.city` (string,null, required)
    City (max 20 characters).

  - `entity.business_address.country` (string,null, required)
    3-Letter Country code.
    Enum: "ABW", "AFG", "AGO", "AIA", "ALA", "ALB", "AND", "ARE", "ARG", "ARM", "ASM", "ATA", "ATF", "ATG", "AUS", "AUT", "AZE", "BDI", "BEL", "BEN", "BES", "BFA", "BGD", "BGR", "BHR", "BHS", "BIH", "BLM", "BLR", "BLZ", "BMU", "BOL", "BRA", "BRB", "BRN", "BTN", "BVT", "BWA", "CAF", "CAN", "CCK", "CHE", "CHL", "CHN", "CIV", "CMR", "COD", "COG", "COK", "COL", "COM", "CPV", "CRI", "CUB", "CUW", "CXR", "CYM", "CYP", "CZE", "DEU", "DJI", "DMA", "DNK", "DOM", "DZA", "ECU", "EGY", "ERI", "ESH", "ESP", "EST", "ETH", "FIN", "FJI", "FLK", "FRA", "FRO", "FSM", "GAB", "GBR", "GEO", "GGY", "GHA", "GIB", "GIN", "GLP", "GMB", "GNB", "GNQ", "GRC", "GRD", "GRL", "GTM", "GUF", "GUM", "GUY", "HKG", "HMD", "HND", "HRV", "HTI", "HUN", "IDN", "IMN", "IND", "IOT", "IRL", "IRN", "IRQ", "ISL", "ISR", "ITA", "JAM", "JEY", "JOR", "JPN", "KAZ", "KEN", "KGZ", "KHM", "KIR", "KNA", "KOR", "KWT", "LAO", "LBN", "LBR", "LBY", "LCA", "LIE", "LKA", "LSO", "LTU", "LUX", "LVA", "MAC", "MAF", "MAR", "MCO", "MDA", "MDG", "MDV", "MEX", "MHL", "MKD", "MLI", "MLT", "MMR", "MNE", "MNG", "MNP", "MRT", "MSR", "MTQ", "MUS", "MWI", "MYS", "MYT", "NAM", "NCL", "NER", "NFK", "NGA", "NIC", "NIU", "NLD", "NOR", "NPL", "NRU", "NZL", "OMN", "PAK", "PAN", "PCN", "PER", "PHL", "PLW", "PNG", "POL", "PRI", "PRK", "PRT", "PRY", "PSE", "PYF", "QAT", "REU", "ROU", "RUS", "RWA", "SAU", "SDN", "SEN", "SGP", "SGS", "SHN", "SJM", "SLB", "SLE", "SLV", "SMR", "SOM", "SPM", "SRB", "SSD", "STP", "SUR", "SVK", "SVN", "SWE", "SWZ", "SXM", "SYC", "SYR", "TCA", "TCD", "TGO", "THA", "TJK", "TKL", "TKM", "TLS", "TON", "TTO", "TUN", "TUR", "TUV", "TWN", "TZA", "UGA", "UKR", "UMI", "URY", "USA", "UZB", "VAT", "VCT", "VEN", "VGB", "VIR", "VNM", "VUT", "WLF", "WSM", "XKX", "YEM", "ZAF", "ZMB", "ZWE"

  - `entity.business_address.line1` (string,null, required)
    First line of the address (max 35 characters).

  - `entity.business_address.line2` (string,null)
    Second line of the address (max 35 characters).

  - `entity.business_address.postal_code` (string,null, required)
    Zip or Postal code (max 7 characters).

  - `entity.business_address.region` (string,null, required)
    2-letter State code.

  - `entity.business_name` (string,null, required)
    Merchant's full legal business name (If , input first name, Full legal last name and middle initial; max 120 characters)

  - `entity.business_phone` (string, required)
    Customer service phone number where the merchant can be reached (max 10 characters).

  - `entity.business_tax_id` (string, required)
    Nine digit Tax Identification Number (TIN), Employer Identification Number (EIN). If the  is  and they do not have an EIN, use the sole proprietor's Social Security Number (SSN).

  - `entity.business_type` (string,null, required)
    Include the value that applies the best.
    Enum: "INDIVIDUAL_SOLE_PROPRIETORSHIP", "CORPORATION", "LIMITED_LIABILITY_COMPANY", "PARTNERSHIP", "LIMITED_PARTNERSHIP", "GENERAL_PARTNERSHIP", "ASSOCIATION_ESTATE_TRUST", "TAX_EXEMPT_ORGANIZATION", "INTERNATIONAL_ORGANIZATION", "GOVERNMENT_AGENCY", "JOINT_VENTURE"

  - `entity.default_statement_descriptor` (string,null)
    The description of the  that appears on the buyer's bank or card statement.

  - `entity.discover_mid` (string)
    Assigned Discover Mid value.

  - `entity.dob` (object, required)
    The principal control owner's date of birth.

  - `entity.dob.day` (integer)
    Day of birth (between 1 and 31).

  - `entity.dob.month` (integer)
    Month of birth (between 1 and 12).

  - `entity.dob.year` (integer)
    Year of birth (4-digit).

  - `entity.doing_business_as` (string, required)
    Alternate name of the business. If no other name is used use the same value used in  (max 60 characters).

  - `entity.email` (string, required)
    Control person's email address where they can be reached (max 100 characters).

  - `entity.first_name` (string, required)
    Full legal first name of the merchant's principal representative (max 20 characters).

  - `entity.has_accepted_credit_cards_previously` (boolean)
    Defaults to  if not passed.

  - `entity.incorporation_date` (object,null)
    The date the company was founded and registered.

  - `entity.incorporation_date.day` (integer)
    Day business was incorporated (between 1 and 31).

  - `entity.incorporation_date.month` (integer)
    Month business was incorporated (between 1 and 12).

  - `entity.incorporation_date.year` (integer)
    Year business was incorporated (4-digit).

  - `entity.last_name` (string, required)
    Full legal last name of the merchant's principal representative (max 20 characters).

  - `entity.max_transaction_amount` (integer)
    Maximum amount that can be transacted for a single transaction in cents (max 12 characters).

  - `entity.mcc` (string)
    The Merchant Category Code ([MCC](http://www.dm.usda.gov/procurement/card/card\_x/mcc.pdf)) that this merchant will be classified under. For a list of approved MCCs, see [Approved Merchant Category Codes.](/guides/managing-operations/security-compliance/approved-merchant-category-codes)

  - `entity.ownership_type` (string,null)
    Values can be either: PUBLIC to indicate a publicly-traded company.PRIVATE for privately-held businesses.
    Enum: "PRIVATE", "PUBLIC"

  - `entity.personal_address` (object,null, required)
    Address of the account owner.

  - `entity.personal_address.country` (string,null)
    The sender’s country.
    Enum: "ABW", "AFG", "AGO", "AIA", "ALA", "ALB", "AND", "ARE", "ARG", "ARM", "ASM", "ATA", "ATF", "ATG", "AUS", "AUT", "AZE", "BDI", "BEL", "BEN", "BES", "BFA", "BGD", "BGR", "BHR", "BHS", "BIH", "BLM", "BLR", "BLZ", "BMU", "BOL", "BRA", "BRB", "BRN", "BTN", "BVT", "BWA", "CAF", "CAN", "CCK", "CHE", "CHL", "CHN", "CIV", "CMR", "COD", "COG", "COK", "COL", "COM", "CPV", "CRI", "CUB", "CUW", "CXR", "CYM", "CYP", "CZE", "DEU", "DJI", "DMA", "DNK", "DOM", "DZA", "ECU", "EGY", "ERI", "ESH", "ESP", "EST", "ETH", "FIN", "FJI", "FLK", "FRA", "FRO", "FSM", "GAB", "GBR", "GEO", "GGY", "GHA", "GIB", "GIN", "GLP", "GMB", "GNB", "GNQ", "GRC", "GRD", "GRL", "GTM", "GUF", "GUM", "GUY", "HKG", "HMD", "HND", "HRV", "HTI", "HUN", "IDN", "IMN", "IND", "IOT", "IRL", "IRN", "IRQ", "ISL", "ISR", "ITA", "JAM", "JEY", "JOR", "JPN", "KAZ", "KEN", "KGZ", "KHM", "KIR", "KNA", "KOR", "KWT", "LAO", "LBN", "LBR", "LBY", "LCA", "LIE", "LKA", "LSO", "LTU", "LUX", "LVA", "MAC", "MAF", "MAR", "MCO", "MDA", "MDG", "MDV", "MEX", "MHL", "MKD", "MLI", "MLT", "MMR", "MNE", "MNG", "MNP", "MRT", "MSR", "MTQ", "MUS", "MWI", "MYS", "MYT", "NAM", "NCL", "NER", "NFK", "NGA", "NIC", "NIU", "NLD", "NOR", "NPL", "NRU", "NZL", "OMN", "PAK", "PAN", "PCN", "PER", "PHL", "PLW", "PNG", "POL", "PRI", "PRK", "PRT", "PRY", "PSE", "PYF", "QAT", "REU", "ROU", "RUS", "RWA", "SAU", "SDN", "SEN", "SGP", "SGS", "SHN", "SJM", "SLB", "SLE", "SLV", "SMR", "SOM", "SPM", "SRB", "SSD", "STP", "SUR", "SVK", "SVN", "SWE", "SWZ", "SXM", "SYC", "SYR", "TCA", "TCD", "TGO", "THA", "TJK", "TKL", "TKM", "TLS", "TON", "TTO", "TUN", "TUR", "TUV", "TWN", "TZA", "UGA", "UKR", "UMI", "URY", "USA", "UZB", "VAT", "VCT", "VEN", "VGB", "VIR", "VNM", "VUT", "WLF", "WSM", "XKX", "YEM", "ZAF", "ZMB", "ZWE"

  - `entity.phone` (string, required)
    Principal's phone number (max 10 characters).

  - `entity.principal_percentage_ownership` (integer)
    Percentage of company owned by the principal (min 0; max 100).

  - `entity.short_business_name` (string)
    The short version of the business name.
(Defaults to ).

  - `entity.tax_authority` (string)
    Used and required when onboarding a  with a  of . The   is the tax gathering entity (e.g San Francisco Water Authority).

  - `entity.tax_id` (string, required)
    Used to verify  was provided.

  - `entity.title` (string,null)
    Control person's corporate title or role (i.e. Chief Executive Officer, CFO, etc.; max 60 characters).

  - `entity.url` (string)
    Merchant's publicly available website (max 100 characters).

  - `max_transaction_amount` (integer,null)
    Maximum amount that can be processed for a single transaction in cents (max 12 characters).

  - `name` (string,null)
    Merchant's full legal business name (If , enter first name, Full legal last name and middle initial; max 120 characters).

  - `network_token_enabled` (boolean)
    When enabled at the  level, "network tokens" replace raw card details (e.g., the 16-digit PAN and expiration date) for transactions. Network tokens have several benefits:

- Network tokens offer increased authorization rates, even for lost or stolen cards, as they remain valid while the physical card is replaced.
- Visa reduces interchange fees when using network tokens.
- Tokens enhance security by replacing card details with a non-sensitive string that is usable only within the Finix system.

The default value is  as explicit opt-in is required.

: Cards created before the feature is enabled are unaffected. To include them, update an individual . Then, you can insert the hyperlink on the "update".

  - `tags` (object,null)
    Include up to 50  pairs to annotate requests with custom metadata.
- Maximum character length for individual  is 40.
- Maximum character length for individual  is 500.
(For example, , , )

  - `user` (string, required)
    ID of the  resource.
    Example: "USxxxxxxxxxxxxxxxxxx"

## Response 201 fields (application/json):

  - `id` (string)
    ID of the  resource.
    Example: "APxxxxxxxxxxxxxxxxxx"

  - `created_at` (string)
    Point in time when this object was created.

  - `updated_at` (string)
    Point in time when this object was most recently updated.

  - `account_updater_enabled` (boolean)
    When enabled at the -level, Finix automatically checks for updates with card networks for all payment cards created after the feature is activated. This Account Updater functionality:

- Automatically updates card details (e.g., number or expiration date) to maintain continuity of charges, increasing authorization rates.
- Saves cardholders the hassle of updating card details across merchants.
- Applies to all payment instruments by default but can be disabled for specific cards.

The default value is  as explicit opt-in is required.

: Cards created before the feature is enabled are unaffected by default. To include these cards, you can manually enable the Account Updater functionality for each card individually using a PUT request. Once enabled, you can link the card to this API call to trigger updates with card networks.

  - `card_cvv_required` (boolean)
    Details if the  requires CVV code.

  - `card_expiration_date_required` (boolean)
    Details if the  requires the card's expiration date.

  - `creating_transfer_from_report_enabled` (boolean)
    Details if the  is automatically set to create  once settlement reports get generated.

  - `disbursements_ach_pull_enabled` (boolean)
    Indicates whether ACH pull disbursements (debits) are enabled, allowing funds to be withdrawn from an account via ACH transfer.

  - `disbursements_ach_push_enabled` (boolean)
    Indicates whether ACH push disbursements (credits) are enabled, allowing funds to be sent to an account via ACH transfer.

  - `disbursements_card_pull_enabled` (boolean)
    Indicates whether card pull disbursements (debits) are enabled, allowing funds to be withdrawn from a card.

  - `disbursements_card_push_enabled` (boolean)
    Indicates whether card push disbursements (credits) are enabled, allowing funds to be sent to a card.

  - `disbursements_same_day_ach_pull_enabled` (boolean)
    Indicates whether same-day ACH pull disbursements (debits) are enabled, allowing funds to be withdrawn from an account via same-day ACH transfer.

  - `disbursements_same_day_ach_push_enabled` (boolean)
    Indicates whether same-day ACH push disbursements (credits) are enabled, allowing funds to be sent to an account via same-day ACH transfer.

  - `enabled` (boolean)
    Details if the  is enabled and active. Set to  to disable the .

  - `fee_ready_to_settle_upon` (string,null)
    Details when the  of  submitted under the  will be ready to settle.
    Enum: "RECONCILIATION", "SUCCESSFUL_CAPTURE", "PROCESSOR_WINDOW", "CONFIGURABLE_WINDOW"

  - `instant_payouts_card_push_enabled` (boolean)
    Set to  if you want to allow the merchant to be enabled for settlement instant payouts.

  - `name` (string)
    The name of the .

  - `network_token_enabled` (boolean)
    When enabled at the  level, "network tokens" replace raw card details (e.g., the 16-digit PAN and expiration date) for transactions. Network tokens have several benefits:

- Network tokens offer increased authorization rates, even for lost or stolen cards, as they remain valid while the physical card is replaced.
- Visa reduces interchange fees when using network tokens.
- Tokens enhance security by replacing card details with a non-sensitive string that is usable only within the Finix system.

The default value is  as explicit opt-in is required.

: Cards created before the feature is enabled are unaffected. To include them, update an individual . Then, you can insert the hyperlink on the "update".

  - `owner` (string)
    ID of the  resource that created the .
    Example: "IDxxxxxxxxxxxxxxxxxx"

  - `processing_enabled` (boolean)
    Details if transaction processing is enabled for the .

  - `ready_to_settle_upon` (string,null)
    Details when transactions submitted under the  will be ready to settle.
    Enum: "RECONCILIATION", "SUCCESSFUL_CAPTURE", "PROCESSOR_WINDOW", "CONFIGURABLE_WINDOW"

  - `ready_to_settle_upon_delay_alignment` (string)
    Indicates whether transaction settlement should be delayed to synchronize the timing of all transactions, including both card and ACH, ensuring they are settled together.

Possible values include:

-  - Align all transactions to match the timing of ACH settlements, so card transactions settle at the same speed as ACH transactions.
-  - Default behavior where card transactions settle the next day (T+1) and ACH transactions settle two days later (T+2).
    Enum: "ACH", "NONE"

  - `settlement_approval_enabled` (boolean)
    Indicates whether manual approval is required before settlements are processed.

  - `settlement_enabled` (boolean)
    Details if settlement approvals are enabled for the .

  - `settlement_funding_identifier` (string)
    Includes additional information (like the MID or  name) when submitting funding  to processors.
- : No additional details get provided to the processor.
- : The  of the  and the date the funding  was submitted (Date is in UTC). e.g 
- : The  of the  and the  (white spaces will be removed). e.g. 

These details appear alongside the seller's payout in their bank account as a description of the deposit.
    Enum: "UNSET", "MID_AND_DATE", "MID_AND_MERCHANT_NAME"

  - `settlement_queue_mode` (string)
    If  is set to , Finix will automatically place all transactions (Sales, Fees, Refunds, and ACH Returns) into a settlement queue that you can manage. Each transaction will have a .

When a  is created, it will not be placed into  until the  is explicitly released.

Note: We require the release of all settlement queue entries within 30 days of creation.
    Enum: "UNSET", "MANUAL"

  - `tags` (object,null)
    Include up to 50  pairs to annotate requests with custom metadata.
- Maximum character length for individual  is 40.
- Maximum character length for individual  is 500.
(For example, , , )

  - `unreferenced_refund_manual_entry_enabled` (boolean)
    Indicates if application is allowed to process unreferenced refunds initiated through manual card entry on Finix terminals.

  - `_links` (object)
    For your convenience, every response includes several URLs which link to resources relevant to the request. You can use these  to make your follow-up requests and quickly access relevant IDs.

  - `_links.authorizations` (object)

  - `_links.authorizations.href` (string)

  - `_links.application_profile` (object)

  - `_links.disputes` (object)

  - `_links.identities` (object)

  - `_links.merchants` (object)

  - `_links.owner_identity` (object)

  - `_links.payment_instruments` (object)

  - `_links.processors` (object)

  - `_links.reversals` (object)

  - `_links.self` (object)
    Link to the resource that was used in the request.

  - `_links.settlements` (object)

  - `_links.tokens` (object)

  - `_links.transfers` (object)

  - `_links.users` (object)

  - `_links.webhooks` (object)

## Response 400 fields (application/json):

  - `total` (integer)

  - `_embedded` (object)

  - `_embedded.errors` (array)

  - `_embedded.errors.logref` (object)

  - `_embedded.errors.message` (string)

  - `_embedded.errors.code` (string)
    Enum: "UNPROCESSABLE_ENTITY"

  - `_embedded.errors._links` (object)

  - `_embedded.errors._links.self` (object)

  - `_embedded.errors._links.self.href` (string)

## Response 401 fields (application/json):

  - `total` (integer)

  - `_embedded` (object)

  - `_embedded.errors` (array)

  - `_embedded.errors.code` (string)
    Enum: "UNKNOWN"

  - `_embedded.errors.logref` (object)

  - `_embedded.errors.message` (string)

  - `_embedded.errors._links` (object)

  - `_embedded.errors._links.self` (object)

  - `_embedded.errors._links.self.href` (string)

  - `_embedded.errors._links.source` (object)

## Response 403 fields (application/json):

  - `total` (integer)

  - `_embedded` (object)

  - `_embedded.errors` (array)

  - `_embedded.errors.code` (string)
    Enum: "FORBIDDEN"

  - `_embedded.errors.logref` (object)

  - `_embedded.errors.message` (string)

  - `_embedded.errors._links` (object)

  - `_embedded.errors._links.source` (object)

  - `_embedded.errors._links.source.href` (string)

## Response 406 fields (application/json):

  - `total` (integer)

  - `_embedded` (object)

  - `_embedded.errors` (array)

  - `_embedded.errors.code` (string)
    Enum: "NOT_FOUND"

  - `_embedded.errors.logref` (object)

  - `_embedded.errors.message` (string)

  - `_embedded.errors._links` (object)

  - `_embedded.errors._links.source` (object)

  - `_embedded.errors._links.source.href` (string)