Register a Business UBO for KYB Verification

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>",
    "accountPurpose": "receive_salary",
    "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"
}
'

import requests

url = "https://api.spherepay.co/v2/business-representative"

payload = {
    "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>",
        "accountPurpose": "receive_salary",
        "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"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    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>',
      accountPurpose: 'receive_salary',
      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'
  })
};

fetch('https://api.spherepay.co/v2/business-representative', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.spherepay.co/v2/business-representative",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    '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>',
        'accountPurpose' => 'receive_salary',
        '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'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

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

func main() {

	url := "https://api.spherepay.co/v2/business-representative"

	payload := strings.NewReader("{\n  \"customerId\": \"customer_2f283221a9d44ada800ac7f11f640402\",\n  \"type\": \"individual\",\n  \"email\": \"james.wilson@acmecorp.example.com\",\n  \"phone\": \"+13125559876\",\n  \"address\": {\n    \"line1\": \"233 South Wacker Drive\",\n    \"city\": \"Chicago\",\n    \"country\": \"USA\",\n    \"line2\": \"Suite 4700\",\n    \"state\": \"IL\",\n    \"postalCode\": \"60606\"\n  },\n  \"personalInformation\": {\n    \"taxIdentificationNumber\": \"123456789\",\n    \"taxIdentificationNumberType\": \"ssn\",\n    \"taxIdentificationNumberCountry\": \"USA\",\n    \"taxIdentificationNumberDescription\": \"<string>\",\n    \"accountPurpose\": \"receive_salary\",\n    \"gender\": \"male\",\n    \"countryOfBirth\": \"USA\",\n    \"nationality\": \"USA\",\n    \"occupationSocCode\": \"15-1132\",\n    \"residencyCountry\": \"USA\",\n    \"sourceOfFunds\": \"salary\"\n  },\n  \"representationDetails\": {\n    \"roles\": [\n      \"ubo\"\n    ],\n    \"ownershipPercentage\": \"50\",\n    \"isControlPerson\": true,\n    \"isSigner\": true,\n    \"relationshipEstablishedAt\": \"2020-03-15\",\n    \"title\": \"CEO\"\n  },\n  \"firstName\": \"Carlos\",\n  \"lastName\": \"Souza\",\n  \"middleName\": \"Carlos\",\n  \"dateOfBirth\": \"1990-01-15\"\n}")

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

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

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

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

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.spherepay.co/v2/business-representative")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customerId\": \"customer_2f283221a9d44ada800ac7f11f640402\",\n  \"type\": \"individual\",\n  \"email\": \"james.wilson@acmecorp.example.com\",\n  \"phone\": \"+13125559876\",\n  \"address\": {\n    \"line1\": \"233 South Wacker Drive\",\n    \"city\": \"Chicago\",\n    \"country\": \"USA\",\n    \"line2\": \"Suite 4700\",\n    \"state\": \"IL\",\n    \"postalCode\": \"60606\"\n  },\n  \"personalInformation\": {\n    \"taxIdentificationNumber\": \"123456789\",\n    \"taxIdentificationNumberType\": \"ssn\",\n    \"taxIdentificationNumberCountry\": \"USA\",\n    \"taxIdentificationNumberDescription\": \"<string>\",\n    \"accountPurpose\": \"receive_salary\",\n    \"gender\": \"male\",\n    \"countryOfBirth\": \"USA\",\n    \"nationality\": \"USA\",\n    \"occupationSocCode\": \"15-1132\",\n    \"residencyCountry\": \"USA\",\n    \"sourceOfFunds\": \"salary\"\n  },\n  \"representationDetails\": {\n    \"roles\": [\n      \"ubo\"\n    ],\n    \"ownershipPercentage\": \"50\",\n    \"isControlPerson\": true,\n    \"isSigner\": true,\n    \"relationshipEstablishedAt\": \"2020-03-15\",\n    \"title\": \"CEO\"\n  },\n  \"firstName\": \"Carlos\",\n  \"lastName\": \"Souza\",\n  \"middleName\": \"Carlos\",\n  \"dateOfBirth\": \"1990-01-15\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.spherepay.co/v2/business-representative")

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

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customerId\": \"customer_2f283221a9d44ada800ac7f11f640402\",\n  \"type\": \"individual\",\n  \"email\": \"james.wilson@acmecorp.example.com\",\n  \"phone\": \"+13125559876\",\n  \"address\": {\n    \"line1\": \"233 South Wacker Drive\",\n    \"city\": \"Chicago\",\n    \"country\": \"USA\",\n    \"line2\": \"Suite 4700\",\n    \"state\": \"IL\",\n    \"postalCode\": \"60606\"\n  },\n  \"personalInformation\": {\n    \"taxIdentificationNumber\": \"123456789\",\n    \"taxIdentificationNumberType\": \"ssn\",\n    \"taxIdentificationNumberCountry\": \"USA\",\n    \"taxIdentificationNumberDescription\": \"<string>\",\n    \"accountPurpose\": \"receive_salary\",\n    \"gender\": \"male\",\n    \"countryOfBirth\": \"USA\",\n    \"nationality\": \"USA\",\n    \"occupationSocCode\": \"15-1132\",\n    \"residencyCountry\": \"USA\",\n    \"sourceOfFunds\": \"salary\"\n  },\n  \"representationDetails\": {\n    \"roles\": [\n      \"ubo\"\n    ],\n    \"ownershipPercentage\": \"50\",\n    \"isControlPerson\": true,\n    \"isSigner\": true,\n    \"relationshipEstablishedAt\": \"2020-03-15\",\n    \"title\": \"CEO\"\n  },\n  \"firstName\": \"Carlos\",\n  \"lastName\": \"Souza\",\n  \"middleName\": \"Carlos\",\n  \"dateOfBirth\": \"1990-01-15\"\n}"

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

{
  "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"
  }
}

{
  "status": 400,
  "detail": "Invalid request parameters",
  "code": "address/invalid",
  "correlationId": "28c61e885c6e5eaa78c1a2183a9b883c"
}

{
  "status": 404,
  "detail": "Resource not found",
  "code": "resource/not-found",
  "correlationId": "28c61e885c6e5eaa78c1a2183a9b883c"
}

{
  "status": 422,
  "detail": "Validation failed",
  "code": "validation/failed",
  "correlationId": "28c61e885c6e5eaa78c1a2183a9b883c",
  "errors": [
    {
      "detail": "Invalid email format",
      "pointer": "/email"
    },
    {
      "detail": "Name is required",
      "pointer": "/name"
    }
  ]
}

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>",
    "accountPurpose": "receive_salary",
    "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"
}
'

import requests

url = "https://api.spherepay.co/v2/business-representative"

payload = {
    "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>",
        "accountPurpose": "receive_salary",
        "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"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    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>',
      accountPurpose: 'receive_salary',
      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'
  })
};

fetch('https://api.spherepay.co/v2/business-representative', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.spherepay.co/v2/business-representative",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    '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>',
        'accountPurpose' => 'receive_salary',
        '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'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

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

func main() {

	url := "https://api.spherepay.co/v2/business-representative"

	payload := strings.NewReader("{\n  \"customerId\": \"customer_2f283221a9d44ada800ac7f11f640402\",\n  \"type\": \"individual\",\n  \"email\": \"james.wilson@acmecorp.example.com\",\n  \"phone\": \"+13125559876\",\n  \"address\": {\n    \"line1\": \"233 South Wacker Drive\",\n    \"city\": \"Chicago\",\n    \"country\": \"USA\",\n    \"line2\": \"Suite 4700\",\n    \"state\": \"IL\",\n    \"postalCode\": \"60606\"\n  },\n  \"personalInformation\": {\n    \"taxIdentificationNumber\": \"123456789\",\n    \"taxIdentificationNumberType\": \"ssn\",\n    \"taxIdentificationNumberCountry\": \"USA\",\n    \"taxIdentificationNumberDescription\": \"<string>\",\n    \"accountPurpose\": \"receive_salary\",\n    \"gender\": \"male\",\n    \"countryOfBirth\": \"USA\",\n    \"nationality\": \"USA\",\n    \"occupationSocCode\": \"15-1132\",\n    \"residencyCountry\": \"USA\",\n    \"sourceOfFunds\": \"salary\"\n  },\n  \"representationDetails\": {\n    \"roles\": [\n      \"ubo\"\n    ],\n    \"ownershipPercentage\": \"50\",\n    \"isControlPerson\": true,\n    \"isSigner\": true,\n    \"relationshipEstablishedAt\": \"2020-03-15\",\n    \"title\": \"CEO\"\n  },\n  \"firstName\": \"Carlos\",\n  \"lastName\": \"Souza\",\n  \"middleName\": \"Carlos\",\n  \"dateOfBirth\": \"1990-01-15\"\n}")

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

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

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

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

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.spherepay.co/v2/business-representative")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"customerId\": \"customer_2f283221a9d44ada800ac7f11f640402\",\n  \"type\": \"individual\",\n  \"email\": \"james.wilson@acmecorp.example.com\",\n  \"phone\": \"+13125559876\",\n  \"address\": {\n    \"line1\": \"233 South Wacker Drive\",\n    \"city\": \"Chicago\",\n    \"country\": \"USA\",\n    \"line2\": \"Suite 4700\",\n    \"state\": \"IL\",\n    \"postalCode\": \"60606\"\n  },\n  \"personalInformation\": {\n    \"taxIdentificationNumber\": \"123456789\",\n    \"taxIdentificationNumberType\": \"ssn\",\n    \"taxIdentificationNumberCountry\": \"USA\",\n    \"taxIdentificationNumberDescription\": \"<string>\",\n    \"accountPurpose\": \"receive_salary\",\n    \"gender\": \"male\",\n    \"countryOfBirth\": \"USA\",\n    \"nationality\": \"USA\",\n    \"occupationSocCode\": \"15-1132\",\n    \"residencyCountry\": \"USA\",\n    \"sourceOfFunds\": \"salary\"\n  },\n  \"representationDetails\": {\n    \"roles\": [\n      \"ubo\"\n    ],\n    \"ownershipPercentage\": \"50\",\n    \"isControlPerson\": true,\n    \"isSigner\": true,\n    \"relationshipEstablishedAt\": \"2020-03-15\",\n    \"title\": \"CEO\"\n  },\n  \"firstName\": \"Carlos\",\n  \"lastName\": \"Souza\",\n  \"middleName\": \"Carlos\",\n  \"dateOfBirth\": \"1990-01-15\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.spherepay.co/v2/business-representative")

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

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"customerId\": \"customer_2f283221a9d44ada800ac7f11f640402\",\n  \"type\": \"individual\",\n  \"email\": \"james.wilson@acmecorp.example.com\",\n  \"phone\": \"+13125559876\",\n  \"address\": {\n    \"line1\": \"233 South Wacker Drive\",\n    \"city\": \"Chicago\",\n    \"country\": \"USA\",\n    \"line2\": \"Suite 4700\",\n    \"state\": \"IL\",\n    \"postalCode\": \"60606\"\n  },\n  \"personalInformation\": {\n    \"taxIdentificationNumber\": \"123456789\",\n    \"taxIdentificationNumberType\": \"ssn\",\n    \"taxIdentificationNumberCountry\": \"USA\",\n    \"taxIdentificationNumberDescription\": \"<string>\",\n    \"accountPurpose\": \"receive_salary\",\n    \"gender\": \"male\",\n    \"countryOfBirth\": \"USA\",\n    \"nationality\": \"USA\",\n    \"occupationSocCode\": \"15-1132\",\n    \"residencyCountry\": \"USA\",\n    \"sourceOfFunds\": \"salary\"\n  },\n  \"representationDetails\": {\n    \"roles\": [\n      \"ubo\"\n    ],\n    \"ownershipPercentage\": \"50\",\n    \"isControlPerson\": true,\n    \"isSigner\": true,\n    \"relationshipEstablishedAt\": \"2020-03-15\",\n    \"title\": \"CEO\"\n  },\n  \"firstName\": \"Carlos\",\n  \"lastName\": \"Souza\",\n  \"middleName\": \"Carlos\",\n  \"dateOfBirth\": \"1990-01-15\"\n}"

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

{
  "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"
  }
}

{
  "status": 400,
  "detail": "Invalid request parameters",
  "code": "address/invalid",
  "correlationId": "28c61e885c6e5eaa78c1a2183a9b883c"
}

{
  "status": 404,
  "detail": "Resource not found",
  "code": "resource/not-found",
  "correlationId": "28c61e885c6e5eaa78c1a2183a9b883c"
}

{
  "status": 422,
  "detail": "Validation failed",
  "code": "validation/failed",
  "correlationId": "28c61e885c6e5eaa78c1a2183a9b883c",
  "errors": [
    {
      "detail": "Invalid email format",
      "pointer": "/email"
    },
    {
      "detail": "Name is required",
      "pointer": "/name"
    }
  ]
}

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"

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.

Show child attributes

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.

Show child attributes

representationDetails

object

required

The representation details of the business representative.

Show child attributes

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

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.

Show child attributes

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"

string

Email address

Example:

"james.wilson@acmecorp.example.com"

phone

string

Phone number

Example:

"+13125559876"

representationDetails

object

Representation details

Show child attributes

Last modified on June 18, 2026

Accept Terms of Service List Representatives

⌘I

Onboarding

Accounts

Money movement

Register a Business UBO for KYB Verification

Authorizations

Body

Response