Account Creation & Binding

Method and URL

POST [BASE_URL]/wallet-backend/snap/v1.0/registration-account-creation

Purpose: Create and bind an account.

Authorization:

• B2B Token

Request

Request Header

Header	Requirement	Description
Content-Type	Mandatory	application/json
Authorization	Mandatory	Bearer {B2B_access_token}
X-SIGNATURE	Mandatory	HMAC signature generated as per SNAP specification HMAC_SHA512 (clientSecret, stringToSign) stringToSign = HTTPMethod +”:“+ EndpointUrl +":"+ AccessToken +":“+ Lowercase(HexEncode(SHA-256(minify(RequestBody))))+ ":“ + TimeStamp
X-TIMESTAMP	Mandatory	Request timestamp in yyyy-MM-dd'T'HH:mm:ssXXX (ISO 8601 with offset)
X-PARTNER-ID	Mandatory	Partner ID assigned by Pivot
X-EXTERNAL-ID	Mandatory	Unique ID per request for idempotency / tracing
CHANNEL-ID	Mandatory	Channel identifier (e.g., 12345)

Request Body

{
  "partnerReferenceNo": "USER081800008888",
  "merchantId": "88042168-bfa6-4e5c-bcca-5abf1d40a181",
  "name": "Brasco Zig",
  "phoneNo": "081800008888",
  "redirectUrl": "https://www.test.com/"
}

Request Parameter Detail

Parameter	Data Type	Character Limir	Requirement	Description
partnerReferenceNo	String	64	Mandatory	Unique reference number from partner/merchant for this account creation request.
merchantId	String	36	Mandatory	Merchant ID assigned by Pivot Pay.
phoneNo	String	15	Mandatory	User’s phone number in MSISDN format (e.g., 6281234567890).
name	String	50	Mandatory	User’s full name.
redirectUrl	String (URL)	255	Mandatory	URL to redirect the user after creation/onboarding is completed.

Response

Response Body

{
  "additionalInfo": {
    "activationLink": "https://wallet-stg.harsya.com/whitelabel/account-linkage-bind?token=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpc3MiOiJ3YWxsZXQtYmFja2VuZCIsInN1YiI6IjAxOTY1NjcwLWZmYzYtN2U3MC05YjY5LTRkODU0MDkwNzdjOSIsImV4cCI6MTc1NDI5NTg2NywiaWRlbnRpZmllclZhbHVlIjoiMDE5NjU2NzAtZmZjNi03ZTcwLTliNjktNGQ4NTQwOTA3N2M5IiwibWVyY2hhbnRJZCI6Ijg4MDQyMTY4LWJmYTYtNGU1Yy1iY2NhLTVhYmYxZDQwYTE4MSIsInNlc3Npb25JZCI6Ijg4MDQyMTY4LWJmYTYtNGU1Yy1iY2NhLTVhYmYxZDQwYTE4MSJ9.QXWxTNm3JwHXRdHENn7vxzkxLCUp3a13uuRke_uRuGQ",
    "expiredAt": "2025-08-04T15:24:27.415024635+07:00"
  },
  "referenceNo": "01987420-dc76-7ea6-a8d0-34956542b2b4",
  "responseCode": "2000600",
  "responseMessage": "Successful"
}

Response Parameter Detail

Parameter	Data Type	Character Limit	Requirement	Description
additionalInfo	Object	-	Mandatory	Contains the activation link and expiration details.
additionalInfo.activationLink	String (URL)	255	Mandatory	Activation URL that redirects the user to complete their onboarding process.
additionalInfo.expiredAt	String (ISO 8601)	25	Mandatory	Expiration date and time of the activation link.
referenceNo	String	100	Mandatory	Description of the API result (e.g., "OK" or error message).
responseCode	String	7	Mandatory	Response status code.
responseMessage	String	100	Mandatory	Description of the result.