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Create a Business Representative
curl --request POST \
  --url https://api.spherepay.co/v2/business-representative \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "customerId": "customer_2f283221a9d44ada800ac7f11f640402",
  "type": "individual",
  "email": "james.wilson@acmecorp.example.com",
  "phone": "+13125559876",
  "address": {
    "line1": "233 South Wacker Drive",
    "city": "Chicago",
    "country": "USA",
    "line2": "Suite 4700",
    "state": "IL",
    "postalCode": "60606"
  },
  "personalInformation": {
    "taxIdentificationNumber": "123456789",
    "taxIdentificationNumberType": "ssn",
    "taxIdentificationNumberCountry": "USA",
    "taxIdentificationNumberDescription": "<string>",
    "gender": "male",
    "countryOfBirth": "USA",
    "nationality": "USA",
    "occupationSocCode": "15-1132",
    "residencyCountry": "USA",
    "sourceOfFunds": "salary"
  },
  "representationDetails": {
    "roles": [
      "ubo"
    ],
    "ownershipPercentage": "50",
    "isControlPerson": true,
    "isSigner": true,
    "relationshipEstablishedAt": "2020-03-15",
    "title": "CEO"
  },
  "firstName": "Carlos",
  "lastName": "Souza",
  "middleName": "Carlos",
  "dateOfBirth": "1990-01-15"
}
'
{
  "id": "associatedPerson_d972d2f70b9f4d3c8d7cfb32593f395b",
  "customerId": "customer_2f283221a9d44ada800ac7f11f640402",
  "type": "individual",
  "verificationProfiles": [
    {
      "name": "ubo_kyc_profile_a",
      "status": "incomplete",
      "criteria": {
        "complete": [
          "email_address",
          "phone_number",
          "residential_address",
          "tax_identification_number",
          "ownership_percentage",
          "is_control_person",
          "is_signer",
          "relationship_established_at",
          "title"
        ],
        "pending": [],
        "required": [
          "identity_document",
          "liveness_report_document",
          "proof_of_address_document"
        ],
        "errors": []
      }
    }
  ],
  "createdAt": "2026-03-10T00:00:08.986Z",
  "updatedAt": "2026-03-10T00:00:08.986Z",
  "email": "james.wilson@acmecorp.example.com",
  "phone": "+13125559876",
  "representationDetails": {
    "roles": [
      "ubo"
    ],
    "ownershipPercentage": "50",
    "isControlPerson": true,
    "isSigner": true,
    "relationshipEstablishedAt": "2020-03-15",
    "title": "CEO"
  }
}
Register a business representative or Ultimate Beneficial Owner (UBO) for a business customer. Each individual who directly or indirectly owns 25% or more of the business must be registered as a UBO before the business can be approved for transfers. You can also register control persons and authorized signers who do not meet the ownership threshold. After registration, complete the representative’s KYB by uploading their identity documents and, if using the Sphere-Managed model, generating a face verification link.
Any individual with an ownership stake of 25% or greater must be registered. If no single person meets this threshold, register the individual with the highest ownership stake or the person with significant management control.

Authorizations

​
Authorization
string
header
required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Body

application/json
​
customerId
string
required

The ID of the business customer this representative belongs to.

Minimum string length: 1
Example:

"customer_2f283221a9d44ada800ac7f11f640402"

​
type
enum<string>
required

The type of the business representative. Must be "individual".

Available options:
individual
Example:

"individual"

​
email
string<email>
required

The email address of the business representative.

Maximum string length: 254
Example:

"james.wilson@acmecorp.example.com"

​
phone
string
required

The phone number of the business representative.

Pattern: ^\+(?:[0-9]){6,14}[0-9]$
Example:

"+13125559876"

​
address
object
required

The address of the business representative.

​
personalInformation
object
required

Personal information including tax identification details for individual customers. When any tax identification field is provided, all tax identification fields (number, type, country) and address are required. Please refer to the Individual Verification Criteria for the full list of reference.

​
representationDetails
object
required

The representation details of the business representative.

Example:
{
  "roles": ["ubo"],
  "ownershipPercentage": "50",
  "isControlPerson": true,
  "isSigner": true,
  "relationshipEstablishedAt": "2020-03-15",
  "title": "CEO"
}
​
firstName
string

The business representative's legal first name.

Required string length: 1 - 100
Example:

"Carlos"

​
lastName
string

The business representative's legal last name.

Required string length: 1 - 100
Example:

"Souza"

​
middleName
string

The business representative's legal middle name.

Required string length: 1 - 100
Example:

"Carlos"

​
dateOfBirth
string

The business representative's date of birth in YYYY-MM-DD format.

Example:

"1990-01-15"

Response

​
id
string
required

Business Representative ID

Example:

"associatedPerson_d972d2f70b9f4d3c8d7cfb32593f395b"

​
customerId
string
required

Customer ID

Example:

"customer_2f283221a9d44ada800ac7f11f640402"

​
type
enum<string>
required

Customer type

Available options:
individual
Example:

"individual"

​
verificationProfiles
object[]
required

Array of verification profiles for the business representative.

Example:
[
  {
    "name": "ubo_kyc_profile_a",
    "status": "incomplete",
    "criteria": {
      "complete": [
        "email_address",
        "phone_number",
        "residential_address",
        "tax_identification_number",
        "ownership_percentage",
        "is_control_person",
        "is_signer",
        "relationship_established_at",
        "title"
      ],
      "pending": [],
      "required": [
        "identity_document",
        "liveness_report_document",
        "proof_of_address_document"
      ],
      "errors": []
    }
  }
]
​
createdAt
string
required

The date and time the business representative was created.

Example:

"2026-03-10T00:00:08.986Z"

​
updatedAt
string
required

The date and time the business representative was last updated.

Example:

"2026-03-10T00:00:08.986Z"

​
email
string

Email address

Example:

"james.wilson@acmecorp.example.com"

​
phone
string

Phone number

Example:

"+13125559876"

​
representationDetails
object

Representation details

Last modified on June 18, 2026