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Account Holders FAQs


How many types of Account Holders are supported by the Fusion system?
Fusion system supports 3 types of Account Holders in order to support various use-cases of the issuer - Real (Individual), Legal (Company), and Headless (Anonymous). See Account Holders for more detailed information.
Do I need to submit an application request prior to creating an Account Holder?
Yes, an application request with details must be submitted prior to creating an Account Holder for an applicant.
Which vectors do I need to use to retrieve Account Holder details?
You can use vectors such as phone number or email to retrieve Account Holder details. Pass the type of vector (p for phone and e for email) in the request header which was passed while creating an Account Holder
Why am I unable to create a new Account Holder with the AH creation API?
When you hit the Account Holder creation API (newIndividual), you need to ensure that form Id , aadhaar number and mobile number are always unique. For example: Account Holder (AH) is already created at our end. When you hit the Account Holder creation API again, you get a timeout error and do not get the AH value. Hence, when hitting the API again with the same vectors and parameters, you must ensure that the form Id , aadhaar and mobile number are different. Our system will return the same AH value only if the form Id, aadhaar number and mobile number is unique, else an error will be thrown.
What is the difference between the shortfall and Min KYC Account Holders
  • Min KYCd users can be issued accounts, cards etc.
  • Shortfall users could be considered as Expired KYC and hence no account or payment instruments could be used for such users.
Is there any difference between the RAH and FULL KYCed Account Holders
  • RAH is any AH onboarded irrespective of KYC status.
  • Full KYCd AHs are also RAH.
What is the difference between real and legal account holder?
  • Real AH is for the users onboarded on the VBO.
  • LAH is a unique AH for all the VBOs.
Can a person be able to create the account without PAN card?
Any valid OVD works, please refer authType value from Fusion Public documentation.