Working with Customer Types
Customer Types allow for unique customer behaviors, validations, and compliance plans to be applied while building against a standardized set of API endpoints. The Customer Type must be chosen when the initial POST /customers request is submitted and cannot be updated. If no Customer Type is submitted, then the default type of primary is used.
Each Customer Type has a different set of identifying information that is necessary in order to successfully onboard the customer. Therefore, the fields required to be submitted with the Customer resource as well as the fields that can be edited after first time activation of a Customer are determined by the Customer Type.
Data validations for all non-active Customers are run during the first attempt to onboard a Customer to a Product using the POST /customer_products endpoint. Once a Customer has been fully activated for the first time, subsequent attempts to update the Customers data will result in immediate validations being run as part of the PUT /customers/uid request.
Some products within a program are only available to a subset of Customer Types. The list of allowed Customer Types for a Product is retrievable from the Products endpoint. Customer Types and Product requirements are configurable and unique to each program. Please work with your client support representative for proper setup.
Customer Type List
Primary
Primary Customer's represent the most typical banking customer experience on the Rize Platform. For this reason, they are the default Customer Type value that is used when no Customer Type is provided. Primary Customers are considered full account owners and have complete authority to take any actions associated with their accounts and associated resources. Primary Customers require the completion of at least one Compliance Plan, as well as an approved KYC evaluation.
Primary Customer Required Fields
| Field Name | Required |
|---|---|
| external_uid | optional |
| required | |
| first_name | required |
| middle_name | optional |
| last_name | required |
| suffix | optional |
| phone | required |
| business_name | ignored |
| ssn | required |
| dob | required |
| address | required |
| primary_customer_uid | ignored |
Sole Proprietor
A Sole Proprietor is someone who owns an unincorporated business by himself or herself. This Customer Type is effectively identical to the Primary Customer Type, except that it allows the account to additionally carry the name of the associated business by passing it in via the business_name field. All available features, compliance requirements, and KYC requirements are the same as that of the Primary Customer Type.
Sole Proprietor Required Fields
| Field Name | Required |
|---|---|
| external_uid | optional |
| required | |
| first_name | required |
| middle_name | optional |
| last_name | required |
| suffix | optional |
| phone | required |
| business_name | required |
| ssn | required |
| dob | required |
| address | required |
| primary_customer_uid | ignored |
Secondary
Secondary Customers are a subordinate customer experience that grants another customer limited access to a Primary Customer's existing accounts. Secondary Customers do not own any accounts of their own and have no administrative capabilities over the accounts for which they are granted access. Secondary Customers may have their own debit cards, but all balances are shared with the Primary Customer and their transactions are ledgered against the Primary Customer’s accounts. Secondary Customers do not have ACH access and cannot directly load funds into any account.
Secondary Customers require minimal KYC and have relaxed PII collection requirements, but Primary Customers must first acknowledge a disclaimer about the liability of Secondary Customers on their account. The Secondary Customer type requires the uid of the Primary Customer they are associated with to be passed in the primary_customer_uid field during the initial POST /customers request.
Secondary Customer Required Fields
| Field Name | Required |
|---|---|
| external_uid | optional |
| optional | |
| first_name | required |
| middle_name | optional |
| last_name | required |
| suffix | optional |
| phone | ignored |
| business_name | ignored |
| ssn | ignored |
| dob | required |
| address | required |
| primary_customer_uid | required |