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# Create new beneficiary

POST https://api/v1/beneficiaries
Content-Type: application/json

This API is used to create a new **beneficiary** for a specific Payment Service Provider (PSP). The request body contains personal or company information depending on the `type`.

**Request Body:**

| Field                      | Type   | Required                   | Description                                                                                                                                                                         |
| -------------------------- | ------ | -------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `pspId`                    | string | No                         | Identifier of the Payment Service Provider (e.g., `finmo`).                                                                                                                         |
| `customerId`               | string | Yes                        | customer id                                                                                                                                                                         |
| `type`                     | string | Yes                        | Beneficiary type: `INDIVIDUAL` or `COMPANY`.                                                                                                                                        |
| `beneficiaryName`          | string | Yes                        | A custom internal name for the beneficiary. Must be unique.                                                                                                                         |
| `companyInfo`              | object | Required if type = COMPANY | Information about the company beneficiary.                                                                                                                                          |
| └─ `name`                  | string | Yes                        | Company name.                                                                                                                                                                       |
| └─ `registrationNumber`    | string | Yes                        | Company registration number.                                                                                                                                                        |
| └─ `incorporationCountry`  | string | No                         | Country where the company was incorporated.                                                                                                                                         |
| └─ `email`                 | string | No                         | Email address of the beneficiary company.                                                                                                                                           |
| └─ `phoneCountryCode`      | string | No                         | Phone number country code (e.g., `+84`).                                                                                                                                            |
| └─ `phoneNumber`           | string | No                         | Phone number                                                                                                                                                                        |
| └─ `addressCountry`        | string | Conditional                | Country of the beneficiary address.                                                                                                                                                 |
| └─ `addressZipCode`        | string | No                         | ZIP/postal code.                                                                                                                                                                    |
| └─ `addressCity`           | string | Yes                        | City of the address.                                                                                                                                                                |
| └─ `addressStreet`         | string | Yes                        | Street name and number.                                                                                                                                                             |
| └─ `addressState`          | string | No                         | State/province of the address.                                                                                                                                                      |
| └─ `addressLocation`       | string | No                         | Additional address info (e.g., suite, building).                                                                                                                                    |
| `firstName`                | string | Yes                        | First name of the contact person or individual beneficiary.                                                                                                                         |
| `lastName`                 | string | Yes                        | Last name of the contact person or individual beneficiary.                                                                                                                          |
| `dob`                      | string | No                         | Date of birth (format: `YYYY-MM-DD`). Applicable for individuals.                                                                                                                   |
| `email`                    | string | No                         | Email address of the beneficiary.                                                                                                                                                   |
| `phoneCountryCode`         | string | No                         | Phone number country code (e.g., `+84`).                                                                                                                                            |
| `phoneNumber`              | string | No                         | Phone number.                                                                                                                                                                       |
| `addressCountry`           | string | Yes                        | Country of the beneficiary address.                                                                                                                                                 |
| `addressCity`              | string | Yes                        | City of the address.                                                                                                                                                                |
| `addressState`             | string | No                         | State/province of the address.                                                                                                                                                      |
| `addressZipCode`           | string | No                         | ZIP/postal code.                                                                                                                                                                    |
| `addressStreet`            | string | Yes                        | Street name and number.                                                                                                                                                             |
| `addressLocation`          | string | No                         | Additional address info (e.g., suite, building).                                                                                                                                    |
| `identificationType`       | string | No                         | Type of ID document (e.g., `PASSPORT`, `NATIONAL_ID`).                                                                                                                              |
| `identificationValue`      | string | No                         | ID number or code.                                                                                                                                                                  |
| `identificationCustomType` | string | No                         | Custom identification type (used when `identificationType` is null).                                                                                                                |
| `description`              | string | No                         | Free text description or note about the beneficiary.                                                                                                                                |
| `relationship`             | string | No                         | relationship with the customer                                                                                                                                                      |
| `accountInfo`              | object | Yes                        | account information                                                                                                                                                                 |
| └─ accountType             | string | yes                        | account type, one of value: BANK, CARD, WALLET, PROXY, CASH                                                                                                                         |
| └─ `accountNumber`         | string | Conditional                | Account number of the beneficiary (may be null or optional for some PSPs).                                                                                                          |
| └─ `currency`              | string | Yes                        | Transaction currency (e.g., `USD`, `SGD`).                                                                                                                                          |
| └─ `bankName`              | string | No                         | Beneficiary bank name.                                                                                                                                                              |
| └─ `bankCity`              | string | No                         | Beneficiary bank city.                                                                                                                                                              |
| └─ `bankCountry`           | string | No                         | Country of Bank                                                                                                                                                                     |
| └─ `routingCodeType1`      | string | No                         | Local payment routing system. If supplied, a value for routing\_code\_value\_1 must also be supplied.  Enum: ABA  BSB  BIC\_SWIFT  BANK\_CODE  BRANCH\_CODE  IFSC  IBAN  SORT\_CODE |
| └─ `routingCodeValue1`     | string | No                         | The value for any routing system specified in routing\_code\_type\_1. If supplied, a value for routing\_code\_type\_1 must also be supplied.                                        |
| └─ `routingCodeType2`      | string | No                         | Local payment routing system. If supplied, a value for routing\_code\_value\_2 must also be supplied.  Enum: ABA  BSB  BIC\_SWIFT  BANK\_CODE  BRANCH\_CODE  IFSC  IBAN  SORT\_CODE |
| └─ `routingCodeValue2`     | string | No                         | The value for any routing system specified in routing\_code\_type\_2. If supplied, a value for routing\_code\_type\_2 must also be supplied.                                        |
| └─ `routingCodeType3`      | string | No                         | Local payment routing system. If supplied, a value for routing\_code\_value\_3 must also be supplied.  Enum: ABA  BSB  BIC\_SWIFT  BANK\_CODE  BRANCH\_CODE  IFSC  IBAN  SORT\_CODE |
| └─ `routingCodeValue3`     | string | No                         | The value for any routing system specified in routing\_code\_type\_3. If supplied, a value for routing\_code\_type\_3 must also be supplied.                                        |
| └─ `proxyType`             | string | Conditional                | Proxy type for this payout are MOBILE, UEN or NRIC                                                                                                                                  |
| └─ `proxyValue`            | string | Conditional                | Proxy values are dependent on proxy type                                                                                                                                            |
| └─ `intermediaryBicSwift`  | string | no                         | SWIFT BIC associated to the Intermediary Agent                                                                                                                                      |
| └─ `payId`                 | string | No (Finmo only)            | NPP PayID (AU Specific)                                                                                                                                                             |
| └─ `payIdType`             | string | No (Finmo only)            | Mention the type of PayID,It takes values \["EMAIL, PHONE, ORG, ABN"]                                                                                                               |

#### **Response Body**

200 OK

| Field                      | Type                               | Description                                                                                                                                                                         |
| -------------------------- | ---------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `id`                       | string                             | Identifier of the Payment Service Provider (e.g., `finmo`).                                                                                                                         |
| `psp`                      | object                             |                                                                                                                                                                                     |
| └─ `id`                    | string                             | ID of the PSP                                                                                                                                                                       |
| └─ `name`                  | string                             | Name of the PSP                                                                                                                                                                     |
| `pspBeneficiaryId`         | string                             | Beneficiary ID of the PSP                                                                                                                                                           |
| `merchantId`               | string                             | merchant id                                                                                                                                                                         |
| `customerId`               | string                             | ID of the customer                                                                                                                                                                  |
| `type`                     | string                             | Beneficiary type: `INDIVIDUAL` or `COMPANY`.                                                                                                                                        |
| `beneficiaryName`          | string                             | A custom internal name for the beneficiary. Must be unique.                                                                                                                         |
| `companyInfo`              | object                             | Information about the company beneficiary.                                                                                                                                          |
| └─ `name`                  | string                             | Company name.                                                                                                                                                                       |
| └─ `registrationNumber`    | string                             | Company registration number.                                                                                                                                                        |
| └─ `incorporationCountry`  | string                             | The country where the company was incorporated.                                                                                                                                     |
| └─ `email`                 | string                             | The email address of the beneficiary company.                                                                                                                                       |
| └─ `phoneCountryCode`      | string                             | Phone number country code (e.g., `+84`).                                                                                                                                            |
| └─ `phoneNumber`           | string                             | Phone number                                                                                                                                                                        |
| └─ `addressCountry`        | string                             | Country of the beneficiary address.                                                                                                                                                 |
| └─ `addressZipCode`        | string                             | ZIP/postal code.                                                                                                                                                                    |
| └─ `addressCity`           | string                             | City of the address.                                                                                                                                                                |
| └─ `addressStreet`         | string                             | Street name and number.                                                                                                                                                             |
| └─ `addressState`          | string                             | State/province of the address.                                                                                                                                                      |
| └─ `addressLocation`       | string                             | Additional address info (e.g., suite, building).                                                                                                                                    |
| └─ `createdAt`             | date(yyyy-MM-dd'T'HH:mm:ss.SSS'Z') |                                                                                                                                                                                     |
| └─ `createdBy`             | string                             |                                                                                                                                                                                     |
| └─ `updatedAt`             | date(yyyy-MM-dd'T'HH:mm:ss.SSS'Z') |                                                                                                                                                                                     |
| └─ `updatedBy`             | string                             |                                                                                                                                                                                     |
| `firstName`                | string                             | First name of the contact person or individual beneficiary.                                                                                                                         |
| `lastName`                 | string                             | Last name of the contact person or individual beneficiary.                                                                                                                          |
| `dob`                      | string                             | Date of birth (format: `YYYY-MM-DD`). Applicable for individuals.                                                                                                                   |
| `email`                    | string                             | Email address of the beneficiary.                                                                                                                                                   |
| `phoneCountryCode`         | string                             | Phone number country code (e.g., `+84`).                                                                                                                                            |
| `phoneNumber`              | string                             | Phone number.                                                                                                                                                                       |
| `addressCountry`           | string                             | Country of the beneficiary address.                                                                                                                                                 |
| `addressCity`              | string                             | City of the address.                                                                                                                                                                |
| `addressState`             | string                             | State/province of the address.                                                                                                                                                      |
| `addressZipCode`           | string                             | ZIP/postal code.                                                                                                                                                                    |
| `addressStreet`            | string                             | Street name and number.                                                                                                                                                             |
| `addressLocation`          | string                             | Additional address info (e.g., suite, building).                                                                                                                                    |
| `identificationType`       | string                             | Type of ID document (e.g., `PASSPORT`, `NATIONAL_ID`).                                                                                                                              |
| `identificationValue`      | string                             | ID number or code.                                                                                                                                                                  |
| `identificationCustomType` | string                             | Custom identification type (used when `identificationType` is null).                                                                                                                |
| `description`              | string                             | Free text description or note about the beneficiary.                                                                                                                                |
| `relationship`             | string                             | relationship with the customer                                                                                                                                                      |
| `accountInfo`              | object                             | account information                                                                                                                                                                 |
| └─ `accountType`           | string                             | account type, one of value: BANK, CARD, WALLET, PROXY, CASH                                                                                                                         |
| └─ `accountNumber`         | string                             | Account number of the beneficiary (may be null or optional for some PSPs).                                                                                                          |
| └─ `currency`              | string                             | Transaction currency (e.g., `USD`, `SGD`).                                                                                                                                          |
| └─ `bankName`              | string                             | Beneficiary bank name.                                                                                                                                                              |
| └─ `bankCity`              | string                             | Beneficiary bank city.                                                                                                                                                              |
| └─ `bankCountry`           | string                             | Country of Bank                                                                                                                                                                     |
| └─ `routingCodeType1`      | string                             | Local payment routing system. If supplied, a value for routing\_code\_value\_1 must also be supplied.  Enum: ABA  BSB  BIC\_SWIFT  BANK\_CODE  BRANCH\_CODE  IFSC  IBAN  SORT\_CODE |
| └─ `routingCodeValue1`     | string                             | The value for any routing system specified in routing\_code\_type\_1. If supplied, a value for routing\_code\_type\_1 must also be supplied.                                        |
| └─ `routingCodeType2`      | string                             | Local payment routing system. If supplied, a value for routing\_code\_value\_2 must also be supplied.  Enum: ABA  BSB  BIC\_SWIFT  BANK\_CODE  BRANCH\_CODE  IFSC  IBAN  SORT\_CODE |
| └─ `routingCodeValue2`     | string                             | The value for any routing system specified in routing\_code\_type\_2. If supplied, a value for routing\_code\_type\_2 must also be supplied.                                        |
| └─ `routingCodeType3`      | string                             | Local payment routing system. If supplied, a value for routing\_code\_value\_3 must also be supplied.  Enum: ABA  BSB  BIC\_SWIFT  BANK\_CODE  BRANCH\_CODE  IFSC  IBAN  SORT\_CODE |
| └─ `routingCodeValue3`     | string                             | The value for any routing system specified in routing\_code\_type\_3. If supplied, a value for routing\_code\_type\_3 must also be supplied.                                        |
| └─ `proxyType`             | string                             | Proxy type for this payout are MOBILE, UEN or NRIC                                                                                                                                  |
| └─ `proxyValue`            | string                             | Proxy values are dependent on proxy type                                                                                                                                            |
| └─ `intermediaryBicSwift`  | string                             | SWIFT BIC associated to the Intermediary Agent                                                                                                                                      |
| └─ `payId`                 | string                             | NPP PayID (AU Specific)                                                                                                                                                             |
| └─ `payIdType`             | string                             | Mention the type of PayID,It takes values \["EMAIL, PHONE, ORG, ABN"]                                                                                                               |
| `createdAt`                | date(yyyy-MM-dd'T'HH:mm:ss.SSS'Z') |                                                                                                                                                                                     |
| `createdBy`                | string                             |                                                                                                                                                                                     |
| `updatedAt`                | date(yyyy-MM-dd'T'HH:mm:ss.SSS'Z') |                                                                                                                                                                                     |
| `updatedBy`                | string                             |                                                                                                                                                                                     |
| `pspBeneficiaries`         | object                             |                                                                                                                                                                                     |
| └─ `pspId`                 | string                             | identifier of the PSP                                                                                                                                                               |
| └─ `pspBeneficiaryId`      | string                             | identifier of the Beneficiary in the PSP                                                                                                                                            |
| └─`createdAt`              | date(yyyy-MM-dd'T'HH:mm:ss.SSS'Z') |                                                                                                                                                                                     |
| └─`createdBy`              | string                             |                                                                                                                                                                                     |

400 BAD REQUEST

| **Field**          | **Type**                           |
| ------------------ | ---------------------------------- |
| `type`             | string                             |
| `status`           | number                             |
| `timestamp`        | date(yyyy-MM-dd'T'HH:mm:ss.SSS'Z') |
| `title`            | string                             |
| `soaCode`          | string                             |
| `fieldErrors`      | array                              |
| └─ `object`        | string                             |
| └─ `field`         | string                             |
| └─ `rejectedValue` | string                             |
| └─ `message`       | string                             |

401 UNAUTHORIZED

Reference: https://apidoc-v1.maniscloud.com/manis-unified-api-v-1-0/payout-beneficiary/create-new-beneficiary

## Servers

- `https:/` (https://{url}, default)
- `https:/` (https://{devurl})

## Request

### Body (application/json)

- `dob` (date, required)
- `type` (string, required)
- `email` (string, required)
- `pspId` (string, required)
- `lastName` (string, required)
- `firstName` (string, required)
- `customerId` (string, required)
- `accountInfo` (object, required)
  - `payId` (string, required)
  - `bankName` (string, required)
  - `currency` (string, required)
  - `payIdType` (string, required)
  - `proxyType` (string, required)
  - `proxyValue` (string, required)
  - `accountType` (string, required)
  - `bankCountry` (string, required)
  - `accountNumber` (string, required)
  - `routingCodeType1` (string, required)
  - `routingCodeType2` (string, required)
  - `routingCodeValue1` (string, required)
  - `routingCodeValue2` (string, required)
  - `intermediaryBicSwift` (string, required)
  - `routingCodeType3` (any, optional)
  - `routingCodeValue3` (any, optional)
- `addressCity` (string, required)
- `description` (string, required)
- `phoneNumber` (string, required)
- `addressState` (string, required)
- `relationship` (string, required)
- `addressStreet` (string, required)
- `addressCountry` (string, required)
- `addressZipCode` (string, required)
- `addressLocation` (string, required)
- `beneficiaryName` (string, required)
- `phoneCountryCode` (string, required)
- `identificationType` (string, required)
- `identificationValue` (string, required)
- `identificationCustomType` (any, optional)

## Response

### 200

OK

- `id` (string, required)
- `dob` (date, required)
- `type` (string, required)
- `email` (string, required)
- `lastName` (string, required)
- `createdAt` (datetime, required)
- `createdBy` (string, required)
- `firstName` (string, required)
- `updatedAt` (datetime, required)
- `updatedBy` (string, required)
- `customerId` (string, required)
- `merchantId` (string, required)
- `accountInfo` (object, required)
  - `payId` (string, required)
  - `bankName` (string, required)
  - `currency` (string, required)
  - `createdAt` (datetime, required)
  - `createdBy` (string, required)
  - `payIdType` (string, required)
  - `proxyType` (string, required)
  - `updatedAt` (datetime, required)
  - `updatedBy` (string, required)
  - `cardNumber` (string, required)
  - `proxyValue` (string, required)
  - `accountType` (string, required)
  - `bankCountry` (string, required)
  - `accountNumber` (string, required)
  - `routingCodeType1` (string, required)
  - `routingCodeType2` (string, required)
  - `routingCodeValue1` (string, required)
  - `routingCodeValue2` (string, required)
  - `intermediaryBicSwift` (string, required)
- `addressCity` (string, required)
- `description` (string, required)
- `phoneNumber` (string, required)
- `addressState` (string, required)
- `relationship` (string, required)
- `addressStreet` (string, required)
- `addressCountry` (string, required)
- `addressZipCode` (string, required)
- `addressLocation` (string, required)
- `beneficiaryName` (string, required)
- `phoneCountryCode` (string, required)
- `pspBeneficiaries` (list of any, required)
- `identificationType` (string, required)
- `identificationValue` (string, required)

## Examples

### 400: Bad request

**Request**

```json
undefined
```

**Response**

```json
{
  "id": "string",
  "dob": "2023-01-15",
  "type": "https://api-docs.manis.com/problems/validation-error",
  "email": "string",
  "lastName": "string",
  "createdAt": "2024-01-15T09:30:00Z",
  "createdBy": "string",
  "firstName": "string",
  "updatedAt": "2024-01-15T09:30:00Z",
  "updatedBy": "string",
  "customerId": "string",
  "merchantId": "string",
  "accountInfo": {
    "payId": "string",
    "bankName": "string",
    "currency": "string",
    "createdAt": "2024-01-15T09:30:00Z",
    "createdBy": "string",
    "payIdType": "string",
    "proxyType": "string",
    "updatedAt": "2024-01-15T09:30:00Z",
    "updatedBy": "string",
    "cardNumber": "string",
    "proxyValue": "string",
    "accountType": "string",
    "bankCountry": "string",
    "accountNumber": "string",
    "routingCodeType1": "string",
    "routingCodeType2": "string",
    "routingCodeValue1": "string",
    "routingCodeValue2": "string",
    "intermediaryBicSwift": "string"
  },
  "addressCity": "string",
  "description": "string",
  "phoneNumber": "string",
  "addressState": "string",
  "relationship": "string",
  "addressStreet": "string",
  "addressCountry": "string",
  "addressZipCode": "string",
  "addressLocation": "string",
  "beneficiaryName": "string",
  "phoneCountryCode": "string",
  "pspBeneficiaries": [
    null
  ],
  "identificationType": "string",
  "identificationValue": "string",
  "title": "Input data is invalid",
  "detail": "Validation failed for argument [0] in org.springframework.http.ResponseEntity<com.manis.psphub.dto.BeneficiaryDto> com.manis.psphub.controller.BeneficiaryController.create(com.manis.psphub.dto.request.NewBeneficiaryRequestDto) throws com.manis.psphub.i18n.I18nException with 2 errors: [Field error in object 'newBeneficiaryRequestDto' on field 'phoneCountryCode': rejected value [65]; codes [Pattern.newBeneficiaryRequestDto.phoneCountryCode,Pattern.phoneCountryCode,Pattern.java.lang.String,Pattern]; arguments [org.springframework.context.support.DefaultMessageSourceResolvable: codes [newBeneficiaryRequestDto.phoneCountryCode,phoneCountryCode]; arguments []; default message [phoneCountryCode],[Ljakarta.validation.constraints.Pattern$Flag;@1989ca60,^\\+\\d{1,4}$]; default message [must match \"^\\+\\d{1,4}$\"]] [Field error in object 'newBeneficiaryRequestDto' on field 'addressCountry': rejected value [USD]; codes [ValidCountryCode.newBeneficiaryRequestDto.addressCountry,ValidCountryCode.addressCountry,ValidCountryCode.java.lang.String,ValidCountryCode]; arguments [org.springframework.context.support.DefaultMessageSourceResolvable: codes [newBeneficiaryRequestDto.addressCountry,addressCountry]; arguments []; default message [addressCountry]]; default message [Invalid country code]] ",
  "status": 400,
  "soaCode": "4000",
  "timestamp": "2025-07-30T23:34:29.949Z",
  "fieldErrors": [
    {
      "field": "phoneCountryCode",
      "object": "newBeneficiaryRequestDto",
      "message": "must match \"^\\+\\d{1,4}$\"",
      "rejectedValue": "65"
    },
    {
      "field": "addressCountry",
      "object": "newBeneficiaryRequestDto",
      "message": "Invalid country code",
      "rejectedValue": "USD"
    }
  ]
}
```

**SDK Code**

```python 400: Bad request
import requests

url = "https://https/api/v1/beneficiaries"

response = requests.post(url)

print(response.json())
```

```javascript 400: Bad request
const url = 'https://https/api/v1/beneficiaries';
const options = {method: 'POST'};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go 400: Bad request
package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://https/api/v1/beneficiaries"

	req, _ := http.NewRequest("POST", url, nil)

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby 400: Bad request
require 'uri'
require 'net/http'

url = URI("https://https/api/v1/beneficiaries")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)

response = http.request(request)
puts response.read_body
```

```java 400: Bad request
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://https/api/v1/beneficiaries")
  .asString();
```

```php 400: Bad request
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://https/api/v1/beneficiaries');

echo $response->getBody();
```

```csharp 400: Bad request
using RestSharp;

var client = new RestClient("https://https/api/v1/beneficiaries");
var request = new RestRequest(Method.POST);
IRestResponse response = client.Execute(request);
```

```swift 400: Bad request
import Foundation

let request = NSMutableURLRequest(url: NSURL(string: "https://https/api/v1/beneficiaries")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Create nium individual beneficiary

**Request**

```json
undefined
```

**Response**

```json
{
  "id": "benef-01k6mnbcrf5ckqpx99am3q3yxt",
  "dob": "1999-03-01",
  "type": "INDIVIDUAL",
  "email": "testNiumIndividual104@gmail.com",
  "lastName": "Miracle",
  "createdAt": "2025-10-03T09:09:49.968Z",
  "createdBy": "merch-01k0rc69p8a5m6k5c9h1d3rf90",
  "firstName": "Nigma",
  "updatedAt": "2025-10-03T09:09:49.968Z",
  "updatedBy": "merch-01k0rc69p8a5m6k5c9h1d3rf90",
  "customerId": "cus-01k0s6n7ad06fcqpwb7qrgxn02",
  "merchantId": "merch-01k0rc69p8a5m6k5c9h1d3rf90",
  "accountInfo": {
    "payId": "emailTest@gmail.com",
    "bankName": "Bank of America",
    "currency": "USD",
    "createdAt": "2025-10-03T09:09:49.970Z",
    "createdBy": "merch-01k0rc69p8a5m6k5c9h1d3rf90",
    "payIdType": "EMAIL",
    "proxyType": "MOBILE",
    "updatedAt": "2025-10-03T09:09:49.970Z",
    "updatedBy": "merch-01k0rc69p8a5m6k5c9h1d3rf90",
    "cardNumber": "******",
    "proxyValue": "+919021221212",
    "accountType": "BANK",
    "bankCountry": "US",
    "accountNumber": "318351267899",
    "routingCodeType1": "BIC_SWIFT",
    "routingCodeType2": "ABA",
    "routingCodeValue1": "BOFAUS3N",
    "routingCodeValue2": "121000358",
    "intermediaryBicSwift": "intermediaryBicSwift"
  },
  "addressCity": "City",
  "description": "description",
  "phoneNumber": "0904547087",
  "addressState": "State",
  "relationship": "Employee",
  "addressStreet": "Street",
  "addressCountry": "US",
  "addressZipCode": "1000",
  "addressLocation": "Location",
  "beneficiaryName": "beneficiary indicidual with US dev",
  "phoneCountryCode": "+84",
  "pspBeneficiaries": [],
  "identificationType": "NATIONAL_ID",
  "identificationValue": "1234345445"
}
```

**SDK Code**

```python Create nium individual beneficiary
import requests

url = "https://https/api/v1/beneficiaries"

response = requests.post(url)

print(response.json())
```

```javascript Create nium individual beneficiary
const url = 'https://https/api/v1/beneficiaries';
const options = {method: 'POST'};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Create nium individual beneficiary
package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://https/api/v1/beneficiaries"

	req, _ := http.NewRequest("POST", url, nil)

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Create nium individual beneficiary
require 'uri'
require 'net/http'

url = URI("https://https/api/v1/beneficiaries")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)

response = http.request(request)
puts response.read_body
```

```java Create nium individual beneficiary
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://https/api/v1/beneficiaries")
  .asString();
```

```php Create nium individual beneficiary
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://https/api/v1/beneficiaries');

echo $response->getBody();
```

```csharp Create nium individual beneficiary
using RestSharp;

var client = new RestClient("https://https/api/v1/beneficiaries");
var request = new RestRequest(Method.POST);
IRestResponse response = client.Execute(request);
```

```swift Create nium individual beneficiary
import Foundation

let request = NSMutableURLRequest(url: NSURL(string: "https://https/api/v1/beneficiaries")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Payout Beneficiary_Create new beneficiary_example

**Request**

```json
{
  "dob": "1999-03-01",
  "type": "INDIVIDUAL",
  "email": "testNiumIndividual104@gmail.com",
  "pspId": "nium",
  "lastName": "Miracle",
  "firstName": "Nigma",
  "customerId": "cus-01k0s6n7ad06fcqpwb7qrgxn02",
  "accountInfo": {
    "payId": "emailTest@gmail.com",
    "bankName": "Bank of America",
    "currency": "USD",
    "payIdType": "EMAIL",
    "proxyType": "MOBILE",
    "proxyValue": "+919021221212",
    "accountType": "BANK",
    "bankCountry": "US",
    "accountNumber": "318351267899",
    "routingCodeType1": "bic_swift",
    "routingCodeType2": "aba",
    "routingCodeValue1": "BOFAUS3N",
    "routingCodeValue2": "121000358",
    "intermediaryBicSwift": "intermediaryBicSwift"
  },
  "addressCity": "City",
  "description": "description",
  "phoneNumber": "0904547087",
  "addressState": "State",
  "relationship": "Employee",
  "addressStreet": "Street",
  "addressCountry": "US",
  "addressZipCode": "1000",
  "addressLocation": "Location",
  "beneficiaryName": "beneficiary indicidual with US dev",
  "phoneCountryCode": "+84",
  "identificationType": "NATIONAL_ID",
  "identificationValue": "1234345445"
}
```

**Response**

```json
{
  "id": "string",
  "dob": "2023-01-15",
  "type": "https://api-docs.manis.com/problems/validation-error",
  "email": "string",
  "lastName": "string",
  "createdAt": "2024-01-15T09:30:00Z",
  "createdBy": "string",
  "firstName": "string",
  "updatedAt": "2024-01-15T09:30:00Z",
  "updatedBy": "string",
  "customerId": "string",
  "merchantId": "string",
  "accountInfo": {
    "payId": "string",
    "bankName": "string",
    "currency": "string",
    "createdAt": "2024-01-15T09:30:00Z",
    "createdBy": "string",
    "payIdType": "string",
    "proxyType": "string",
    "updatedAt": "2024-01-15T09:30:00Z",
    "updatedBy": "string",
    "cardNumber": "string",
    "proxyValue": "string",
    "accountType": "string",
    "bankCountry": "string",
    "accountNumber": "string",
    "routingCodeType1": "string",
    "routingCodeType2": "string",
    "routingCodeValue1": "string",
    "routingCodeValue2": "string",
    "intermediaryBicSwift": "string"
  },
  "addressCity": "string",
  "description": "string",
  "phoneNumber": "string",
  "addressState": "string",
  "relationship": "string",
  "addressStreet": "string",
  "addressCountry": "string",
  "addressZipCode": "string",
  "addressLocation": "string",
  "beneficiaryName": "string",
  "phoneCountryCode": "string",
  "pspBeneficiaries": [
    null
  ],
  "identificationType": "string",
  "identificationValue": "string",
  "title": "Input data is invalid",
  "detail": "Validation failed for argument [0] in org.springframework.http.ResponseEntity<com.manis.psphub.dto.BeneficiaryDto> com.manis.psphub.controller.BeneficiaryController.create(com.manis.psphub.dto.request.NewBeneficiaryRequestDto) throws com.manis.psphub.i18n.I18nException with 2 errors: [Field error in object 'newBeneficiaryRequestDto' on field 'phoneCountryCode': rejected value [65]; codes [Pattern.newBeneficiaryRequestDto.phoneCountryCode,Pattern.phoneCountryCode,Pattern.java.lang.String,Pattern]; arguments [org.springframework.context.support.DefaultMessageSourceResolvable: codes [newBeneficiaryRequestDto.phoneCountryCode,phoneCountryCode]; arguments []; default message [phoneCountryCode],[Ljakarta.validation.constraints.Pattern$Flag;@1989ca60,^\\+\\d{1,4}$]; default message [must match \"^\\+\\d{1,4}$\"]] [Field error in object 'newBeneficiaryRequestDto' on field 'addressCountry': rejected value [USD]; codes [ValidCountryCode.newBeneficiaryRequestDto.addressCountry,ValidCountryCode.addressCountry,ValidCountryCode.java.lang.String,ValidCountryCode]; arguments [org.springframework.context.support.DefaultMessageSourceResolvable: codes [newBeneficiaryRequestDto.addressCountry,addressCountry]; arguments []; default message [addressCountry]]; default message [Invalid country code]] ",
  "status": 400,
  "soaCode": "4000",
  "timestamp": "2025-07-30T23:34:29.949Z",
  "fieldErrors": [
    {
      "field": "phoneCountryCode",
      "object": "newBeneficiaryRequestDto",
      "message": "must match \"^\\+\\d{1,4}$\"",
      "rejectedValue": "65"
    },
    {
      "field": "addressCountry",
      "object": "newBeneficiaryRequestDto",
      "message": "Invalid country code",
      "rejectedValue": "USD"
    }
  ]
}
```

**SDK Code**

```python Payout Beneficiary_Create new beneficiary_example
import requests

url = "https://https/api/v1/beneficiaries"

payload = {
    "dob": "1999-03-01",
    "type": "INDIVIDUAL",
    "email": "testNiumIndividual104@gmail.com",
    "pspId": "nium",
    "lastName": "Miracle",
    "firstName": "Nigma",
    "customerId": "cus-01k0s6n7ad06fcqpwb7qrgxn02",
    "accountInfo": {
        "payId": "emailTest@gmail.com",
        "bankName": "Bank of America",
        "currency": "USD",
        "payIdType": "EMAIL",
        "proxyType": "MOBILE",
        "proxyValue": "+919021221212",
        "accountType": "BANK",
        "bankCountry": "US",
        "accountNumber": "318351267899",
        "routingCodeType1": "bic_swift",
        "routingCodeType2": "aba",
        "routingCodeValue1": "BOFAUS3N",
        "routingCodeValue2": "121000358",
        "intermediaryBicSwift": "intermediaryBicSwift"
    },
    "addressCity": "City",
    "description": "description",
    "phoneNumber": "0904547087",
    "addressState": "State",
    "relationship": "Employee",
    "addressStreet": "Street",
    "addressCountry": "US",
    "addressZipCode": "1000",
    "addressLocation": "Location",
    "beneficiaryName": "beneficiary indicidual with US dev",
    "phoneCountryCode": "+84",
    "identificationType": "NATIONAL_ID",
    "identificationValue": "1234345445"
}
headers = {"Content-Type": "application/json"}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Payout Beneficiary_Create new beneficiary_example
const url = 'https://https/api/v1/beneficiaries';
const options = {
  method: 'POST',
  headers: {'Content-Type': 'application/json'},
  body: '{"dob":"1999-03-01","type":"INDIVIDUAL","email":"testNiumIndividual104@gmail.com","pspId":"nium","lastName":"Miracle","firstName":"Nigma","customerId":"cus-01k0s6n7ad06fcqpwb7qrgxn02","accountInfo":{"payId":"emailTest@gmail.com","bankName":"Bank of America","currency":"USD","payIdType":"EMAIL","proxyType":"MOBILE","proxyValue":"+919021221212","accountType":"BANK","bankCountry":"US","accountNumber":"318351267899","routingCodeType1":"bic_swift","routingCodeType2":"aba","routingCodeValue1":"BOFAUS3N","routingCodeValue2":"121000358","intermediaryBicSwift":"intermediaryBicSwift"},"addressCity":"City","description":"description","phoneNumber":"0904547087","addressState":"State","relationship":"Employee","addressStreet":"Street","addressCountry":"US","addressZipCode":"1000","addressLocation":"Location","beneficiaryName":"beneficiary indicidual with US dev","phoneCountryCode":"+84","identificationType":"NATIONAL_ID","identificationValue":"1234345445"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Payout Beneficiary_Create new beneficiary_example
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://https/api/v1/beneficiaries"

	payload := strings.NewReader("{\n  \"dob\": \"1999-03-01\",\n  \"type\": \"INDIVIDUAL\",\n  \"email\": \"testNiumIndividual104@gmail.com\",\n  \"pspId\": \"nium\",\n  \"lastName\": \"Miracle\",\n  \"firstName\": \"Nigma\",\n  \"customerId\": \"cus-01k0s6n7ad06fcqpwb7qrgxn02\",\n  \"accountInfo\": {\n    \"payId\": \"emailTest@gmail.com\",\n    \"bankName\": \"Bank of America\",\n    \"currency\": \"USD\",\n    \"payIdType\": \"EMAIL\",\n    \"proxyType\": \"MOBILE\",\n    \"proxyValue\": \"+919021221212\",\n    \"accountType\": \"BANK\",\n    \"bankCountry\": \"US\",\n    \"accountNumber\": \"318351267899\",\n    \"routingCodeType1\": \"bic_swift\",\n    \"routingCodeType2\": \"aba\",\n    \"routingCodeValue1\": \"BOFAUS3N\",\n    \"routingCodeValue2\": \"121000358\",\n    \"intermediaryBicSwift\": \"intermediaryBicSwift\"\n  },\n  \"addressCity\": \"City\",\n  \"description\": \"description\",\n  \"phoneNumber\": \"0904547087\",\n  \"addressState\": \"State\",\n  \"relationship\": \"Employee\",\n  \"addressStreet\": \"Street\",\n  \"addressCountry\": \"US\",\n  \"addressZipCode\": \"1000\",\n  \"addressLocation\": \"Location\",\n  \"beneficiaryName\": \"beneficiary indicidual with US dev\",\n  \"phoneCountryCode\": \"+84\",\n  \"identificationType\": \"NATIONAL_ID\",\n  \"identificationValue\": \"1234345445\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Payout Beneficiary_Create new beneficiary_example
require 'uri'
require 'net/http'

url = URI("https://https/api/v1/beneficiaries")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Content-Type"] = 'application/json'
request.body = "{\n  \"dob\": \"1999-03-01\",\n  \"type\": \"INDIVIDUAL\",\n  \"email\": \"testNiumIndividual104@gmail.com\",\n  \"pspId\": \"nium\",\n  \"lastName\": \"Miracle\",\n  \"firstName\": \"Nigma\",\n  \"customerId\": \"cus-01k0s6n7ad06fcqpwb7qrgxn02\",\n  \"accountInfo\": {\n    \"payId\": \"emailTest@gmail.com\",\n    \"bankName\": \"Bank of America\",\n    \"currency\": \"USD\",\n    \"payIdType\": \"EMAIL\",\n    \"proxyType\": \"MOBILE\",\n    \"proxyValue\": \"+919021221212\",\n    \"accountType\": \"BANK\",\n    \"bankCountry\": \"US\",\n    \"accountNumber\": \"318351267899\",\n    \"routingCodeType1\": \"bic_swift\",\n    \"routingCodeType2\": \"aba\",\n    \"routingCodeValue1\": \"BOFAUS3N\",\n    \"routingCodeValue2\": \"121000358\",\n    \"intermediaryBicSwift\": \"intermediaryBicSwift\"\n  },\n  \"addressCity\": \"City\",\n  \"description\": \"description\",\n  \"phoneNumber\": \"0904547087\",\n  \"addressState\": \"State\",\n  \"relationship\": \"Employee\",\n  \"addressStreet\": \"Street\",\n  \"addressCountry\": \"US\",\n  \"addressZipCode\": \"1000\",\n  \"addressLocation\": \"Location\",\n  \"beneficiaryName\": \"beneficiary indicidual with US dev\",\n  \"phoneCountryCode\": \"+84\",\n  \"identificationType\": \"NATIONAL_ID\",\n  \"identificationValue\": \"1234345445\"\n}"

response = http.request(request)
puts response.read_body
```

```java Payout Beneficiary_Create new beneficiary_example
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://https/api/v1/beneficiaries")
  .header("Content-Type", "application/json")
  .body("{\n  \"dob\": \"1999-03-01\",\n  \"type\": \"INDIVIDUAL\",\n  \"email\": \"testNiumIndividual104@gmail.com\",\n  \"pspId\": \"nium\",\n  \"lastName\": \"Miracle\",\n  \"firstName\": \"Nigma\",\n  \"customerId\": \"cus-01k0s6n7ad06fcqpwb7qrgxn02\",\n  \"accountInfo\": {\n    \"payId\": \"emailTest@gmail.com\",\n    \"bankName\": \"Bank of America\",\n    \"currency\": \"USD\",\n    \"payIdType\": \"EMAIL\",\n    \"proxyType\": \"MOBILE\",\n    \"proxyValue\": \"+919021221212\",\n    \"accountType\": \"BANK\",\n    \"bankCountry\": \"US\",\n    \"accountNumber\": \"318351267899\",\n    \"routingCodeType1\": \"bic_swift\",\n    \"routingCodeType2\": \"aba\",\n    \"routingCodeValue1\": \"BOFAUS3N\",\n    \"routingCodeValue2\": \"121000358\",\n    \"intermediaryBicSwift\": \"intermediaryBicSwift\"\n  },\n  \"addressCity\": \"City\",\n  \"description\": \"description\",\n  \"phoneNumber\": \"0904547087\",\n  \"addressState\": \"State\",\n  \"relationship\": \"Employee\",\n  \"addressStreet\": \"Street\",\n  \"addressCountry\": \"US\",\n  \"addressZipCode\": \"1000\",\n  \"addressLocation\": \"Location\",\n  \"beneficiaryName\": \"beneficiary indicidual with US dev\",\n  \"phoneCountryCode\": \"+84\",\n  \"identificationType\": \"NATIONAL_ID\",\n  \"identificationValue\": \"1234345445\"\n}")
  .asString();
```

```php Payout Beneficiary_Create new beneficiary_example
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://https/api/v1/beneficiaries', [
  'body' => '{
  "dob": "1999-03-01",
  "type": "INDIVIDUAL",
  "email": "testNiumIndividual104@gmail.com",
  "pspId": "nium",
  "lastName": "Miracle",
  "firstName": "Nigma",
  "customerId": "cus-01k0s6n7ad06fcqpwb7qrgxn02",
  "accountInfo": {
    "payId": "emailTest@gmail.com",
    "bankName": "Bank of America",
    "currency": "USD",
    "payIdType": "EMAIL",
    "proxyType": "MOBILE",
    "proxyValue": "+919021221212",
    "accountType": "BANK",
    "bankCountry": "US",
    "accountNumber": "318351267899",
    "routingCodeType1": "bic_swift",
    "routingCodeType2": "aba",
    "routingCodeValue1": "BOFAUS3N",
    "routingCodeValue2": "121000358",
    "intermediaryBicSwift": "intermediaryBicSwift"
  },
  "addressCity": "City",
  "description": "description",
  "phoneNumber": "0904547087",
  "addressState": "State",
  "relationship": "Employee",
  "addressStreet": "Street",
  "addressCountry": "US",
  "addressZipCode": "1000",
  "addressLocation": "Location",
  "beneficiaryName": "beneficiary indicidual with US dev",
  "phoneCountryCode": "+84",
  "identificationType": "NATIONAL_ID",
  "identificationValue": "1234345445"
}',
  'headers' => [
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Payout Beneficiary_Create new beneficiary_example
using RestSharp;

var client = new RestClient("https://https/api/v1/beneficiaries");
var request = new RestRequest(Method.POST);
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"dob\": \"1999-03-01\",\n  \"type\": \"INDIVIDUAL\",\n  \"email\": \"testNiumIndividual104@gmail.com\",\n  \"pspId\": \"nium\",\n  \"lastName\": \"Miracle\",\n  \"firstName\": \"Nigma\",\n  \"customerId\": \"cus-01k0s6n7ad06fcqpwb7qrgxn02\",\n  \"accountInfo\": {\n    \"payId\": \"emailTest@gmail.com\",\n    \"bankName\": \"Bank of America\",\n    \"currency\": \"USD\",\n    \"payIdType\": \"EMAIL\",\n    \"proxyType\": \"MOBILE\",\n    \"proxyValue\": \"+919021221212\",\n    \"accountType\": \"BANK\",\n    \"bankCountry\": \"US\",\n    \"accountNumber\": \"318351267899\",\n    \"routingCodeType1\": \"bic_swift\",\n    \"routingCodeType2\": \"aba\",\n    \"routingCodeValue1\": \"BOFAUS3N\",\n    \"routingCodeValue2\": \"121000358\",\n    \"intermediaryBicSwift\": \"intermediaryBicSwift\"\n  },\n  \"addressCity\": \"City\",\n  \"description\": \"description\",\n  \"phoneNumber\": \"0904547087\",\n  \"addressState\": \"State\",\n  \"relationship\": \"Employee\",\n  \"addressStreet\": \"Street\",\n  \"addressCountry\": \"US\",\n  \"addressZipCode\": \"1000\",\n  \"addressLocation\": \"Location\",\n  \"beneficiaryName\": \"beneficiary indicidual with US dev\",\n  \"phoneCountryCode\": \"+84\",\n  \"identificationType\": \"NATIONAL_ID\",\n  \"identificationValue\": \"1234345445\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Payout Beneficiary_Create new beneficiary_example
import Foundation

let headers = ["Content-Type": "application/json"]
let parameters = [
  "dob": "1999-03-01",
  "type": "INDIVIDUAL",
  "email": "testNiumIndividual104@gmail.com",
  "pspId": "nium",
  "lastName": "Miracle",
  "firstName": "Nigma",
  "customerId": "cus-01k0s6n7ad06fcqpwb7qrgxn02",
  "accountInfo": [
    "payId": "emailTest@gmail.com",
    "bankName": "Bank of America",
    "currency": "USD",
    "payIdType": "EMAIL",
    "proxyType": "MOBILE",
    "proxyValue": "+919021221212",
    "accountType": "BANK",
    "bankCountry": "US",
    "accountNumber": "318351267899",
    "routingCodeType1": "bic_swift",
    "routingCodeType2": "aba",
    "routingCodeValue1": "BOFAUS3N",
    "routingCodeValue2": "121000358",
    "intermediaryBicSwift": "intermediaryBicSwift"
  ],
  "addressCity": "City",
  "description": "description",
  "phoneNumber": "0904547087",
  "addressState": "State",
  "relationship": "Employee",
  "addressStreet": "Street",
  "addressCountry": "US",
  "addressZipCode": "1000",
  "addressLocation": "Location",
  "beneficiaryName": "beneficiary indicidual with US dev",
  "phoneCountryCode": "+84",
  "identificationType": "NATIONAL_ID",
  "identificationValue": "1234345445"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://https/api/v1/beneficiaries")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```