> ## Documentation Index > Fetch the complete documentation index at: https://docs.gate.com/llms.txt > Use this file to discover all available pages before exploring further. # 创建子账户 > 以机构账户为主体，为客户创建一个新的子账户并登记账户持有人信息。 ## 概述 本页说明 `POST /merchant/open/institution/v1/accounts/create` 接口。完整的请求参数、响应结构与示例由上方关联的 OpenAPI 定义渲染。 ## 说明 * 认证方式使用 GatePay 标准签名请求头。 * 这个机构专属接口不使用 `X-GatePay-On-Behalf-Of`。 * 通用签名规则请参见 [/api-reference/version/100/cn/common/securityAndSignature](/api-reference/version/100/cn/common/securityAndSignature)。 ## OpenAPI ````yaml api-reference/version/100/cn/openapi/institutional-openapi.json POST /merchant/open/institution/v1/accounts/create openapi: 3.1.0 info: title: GatePay 机构 API description: Gate Pay 机构 API 接口文档 license: name: MIT version: 1.0.0 servers: - url: https://openplatform.gateapi.io security: [] paths: /merchant/open/institution/v1/accounts/create: post: summary: 创建子账户 description: 以机构账户为主体，为客户创建一个新的子账户并登记账户持有人信息。 parameters: - $ref: '#/components/parameters/X-GatePay-Certificate-ClientId' - $ref: '#/components/parameters/X-GatePay-Timestamp' - $ref: '#/components/parameters/X-GatePay-Nonce' - $ref: '#/components/parameters/X-GatePay-Signature' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateSubAccountRequest' examples: businessExample: summary: 企业示例 value: request_id: '35778162074976257' customer_id: '1234' display_name: my test account_holder: entity_country: AF entity_type: BUSINESS entity_name: My Business Ltd entity_id_type: BUSINESS_LICENSE entity_id_number: abcd1234 entity_id_expiry: valid_from: 1763538010509 address: line1: 123 Main Street country: AF merchant_category: GENERAL_RETAIL user_agreement: true ubo_list: - country: AF full_name: 测试名字778 dob: year: 2026 month: 3 day: 3 id_type: DRIVING_LICENSE id_number: '130' id_expiry: valid_from: 1773135745000 valid_to: 1873135745000 relationship: is_representative: false is_owner: false percent_ownership: '30' responses: '200': description: 成功 content: application/json: schema: $ref: '#/components/schemas/CreateSubAccountResponseWrapper' examples: success: summary: 成功响应 value: status: SUCCESS code: '000000' errorMessage: '' data: request_id: '35778162074976257' status: INIT created: '1764139242707' display_name: my test customer_id: '1234' account_holder: entity_country: AF entity_type: BUSINESS entity_name: My Business Ltd entity_id_type: BUSINESS_LICENSE entity_id_number: abcd1234 entity_id_expiry: valid_from: 1763538010509 valid_to: null dob: null business_registration: null address: line1: 123 Main Street country: AF merchant_category: GENERAL_RETAIL website: null user_agreement: true metadata: null components: parameters: X-GatePay-Certificate-ClientId: name: X-GatePay-Certificate-ClientId in: header required: true description: 商户在Gate商户后台注册应用时分配的clientId schema: type: string example: 4186d0c6-6a35-55a9-8dc6-5312769dbff8 X-GatePay-Timestamp: name: X-GatePay-Timestamp in: header required: true description: 请求生成时的UTC时间戳，milliseconds。请注意，GatePay不处理收到请求时间与这个时间戳差距大于10秒钟的请求 schema: type: string example: '1672905655498' X-GatePay-Nonce: name: X-GatePay-Nonce in: header required: true description: 随机字符串，字符符合HTTP Header头部的规范，建议长度在32个字符以内，字符串组成为数字和字母 schema: type: string example: '9578' X-GatePay-Signature: name: X-GatePay-Signature in: header required: true description: 请求签名。GatePay通过此签名来确定此请求是否合法 schema: type: string schemas: CreateSubAccountRequest: type: object required: - request_id - customer_id - display_name - account_holder properties: request_id: type: string description: 请求方唯一ID customer_id: type: string description: 平台侧客户 ID display_name: type: string description: 子账户展示名 account_holder: $ref: '#/components/schemas/AccountHolder' metadata: type: object description: 附加键值对 CreateSubAccountResponseWrapper: type: object properties: status: type: string code: type: string errorMessage: type: string data: $ref: '#/components/schemas/CreateSubAccountResponse' AccountHolder: type: object required: - entity_country - entity_type - entity_name - entity_id_type - entity_id_number - entity_id_expiry - address - merchant_category - user_agreement properties: entity_country: type: string description: >- 主体所在国家ISO代码，完整列表可参考 ISO 官方在线浏览平台或各类公开的 ISO 3166-1 alpha-2 对照表（例如 IBAN 官网提供的国家代码列表: https://www.iban.com/country-codes ） entity_type: type: string enum: - INDIVIDUAL - BUSINESS description: 主体类型 个人-INDIVIDUAL 企业-BUSINESS entity_name: type: string description: 主体名称（个人姓名/企业法定名称） entity_id_type: type: string enum: - PASSPORT - NATIONAL_ID - DRIVING_LICENSE - BUSINESS_LICENSE - CERTIFICATE_OF_INCORPORATION description: 证件类型，详见证件类型枚举 entity_id_number: type: string description: 证件号码 entity_id_expiry: $ref: '#/components/schemas/EntityIdExpiry' dob: $ref: '#/components/schemas/Dob' description: 出生日期，当entity_type为INDIVIDUAL必填 business_registration: $ref: '#/components/schemas/BusinessRegistration' description: 企业注册信息，当entity_type为INDIVIDUAL可填 address: $ref: '#/components/schemas/Address' description: 主体所在地址 merchant_category: type: string description: 商户大类，详见商户大类枚举 enum: - GENERAL_RETAIL - SUPERMARKET_CONVENIENCE - FASHION_AND_ACCESSORIES - FOOD_AND_BEVERAGE - DIGITAL_CONTENT_AND_SAAS - GAMING_AND_ENTERTAINMENT - TRAVEL_AND_TICKETING - RIDE_HAILING_AND_TRANSPORT - HOSPITALITY_AND_LEISURE - EDUCATION - HEALTHCARE_AND_WELLNESS - FINANCIAL_SERVICES - CRYPTO_AND_WEB3 - UTILITIES_AND_BILLS - CHARITY_AND_NONPROFIT - OTHER website: type: string description: 企业网站 user_agreement: type: boolean description: 用户是否签署协议 ubo_list: type: array description: 法人信息/UBO信息。当 entity_type 为 BUSINESS 时必填。 items: $ref: '#/components/schemas/Ubo' CreateSubAccountResponse: type: object properties: request_id: type: string description: 创建申请单号 status: type: string description: 账户状态 初始态-INIT 处理中-PENDING 已创建-ACTIVE 创建失败-FAIL created: type: string description: 创建时间（毫秒） customer_id: type: string description: 平台侧客户 ID display_name: type: string description: 展示名 account_holder: $ref: '#/components/schemas/AccountHolder' description: 账户持有人（主体）信息 metadata: type: object description: 附加键值对 EntityIdExpiry: type: object required: - valid_from properties: valid_from: type: integer format: int64 description: 生效日期毫秒时间戳 valid_to: type: integer format: int64 description: 失效日期毫秒时间戳 Dob: type: object required: - year - month - day properties: year: type: integer description: 四位年份 month: type: integer minimum: 1 maximum: 12 description: 月份，1-12 day: type: integer minimum: 1 maximum: 31 description: 日，1-31 BusinessRegistration: type: object properties: reg_number: type: string description: 注册号 reg_country: type: string description: 注册国家 established_at: type: integer format: int64 description: 成立日期 Address: type: object required: - line1 - country properties: line1: type: string description: 地址行1 line2: type: string description: 地址行2 line3: type: string description: 地址行3 country: type: string description: 国家代码 city: type: string description: 城市 state: type: string description: 省/州 postal_code: type: string description: 邮编 Ubo: type: object required: - country - full_name - dob - id_type - id_number - id_expiry - relationship properties: country: type: string description: 所在国家ISO代码 full_name: type: string description: 个人姓名 dob: $ref: '#/components/schemas/Dob' description: 出生日期 id_type: type: string enum: - PASSPORT - NATIONAL_ID - DRIVING_LICENSE description: 证件类型，请填写个人证件类型 id_number: type: string description: 证件号码 id_expiry: $ref: '#/components/schemas/EntityIdExpiry' description: 证件有效期 relationship: $ref: '#/components/schemas/Relationship' description: 人员和子商户的关系属性 Relationship: type: object properties: is_representative: type: boolean description: 是否为法定代表人 is_owner: type: boolean description: 是否为最终受益人 percent_ownership: type: string description: is_owner 为 true 时必填；填写持股比例数字，示例：30.01 ````