Customers

A Customer is the merchant-owned identity boundary for customer balances, deposits, withdrawals and Paybytoken Pay links. It is not a global Paybytoken consumer identity. Store its id against your own customer record and use reference as your stable, non-secret correlation value.

Endpoints

curl https://api-prod.paybytoken.io/api/v1/customers \
  -X POST \
  -H "Authorization: Bearer $PAYBYTOKEN_SECRET_KEY" \
  -H "Idempotency-Key: customer:merchant_customer_8" \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "merchant_customer_8",
    "email": "alex@example.com",
    "name": "Alex",
    "metadata": { "segment": "pro" }
  }'

Statuses are active, restricted, and closed. Restrict a customer to stop new funds-moving operations while preserving its audit history. Do not place secrets, authentication tokens or sensitive identity documents in reference or metadata.