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What are Customers?

Customers represent your end users within the FossaPay ecosystem. Every wallet, transaction, and compliance check is associated with a customer account.
Customer accounts are required before you can create wallets or perform transactions on behalf of your users.

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Customer Lifecycle

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1. Customer Creation

Create a customer account with basic information: 
curl -X POST https://api-staging.fossapay.com/api/v1/customers \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "John Doe",
    "email": "john@example.com",
    "phone": "+2348012345678"
  }'

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2. KYC Verification

Perform identity verification for compliance:
  • NIN Verification: National Identity Number
  • BVN Verification: Bank Verification Number
  • Address Verification: Proof of address

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3. Wallet Creation

Once verified, create wallets for the customer: 
curl -X POST https://api-staging.fossapay.com/api/v1/wallets/fiat/create \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": "cus_123456789",
    "walletName": "Main Wallet",
    "walletReference": "wallet_ref_001"
  }'

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Customer Tiers

Currently, FossaPay supports individual customer accounts. All customers are created with the individual tier.
Additional tiers (business, enterprise) will be available in future updates.

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Best Practices

Always store FossaPay customer IDs in your database for future API calls.
Complete customer verification before enabling transactions to avoid limits.
Store additional customer data in metadata for easier management.

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Next Steps

Create Customer API

API reference for customer creation

KYC Compliance Guide

Complete customer verification

Wallets

Create wallets for customers