Business registration

Overview

Creates a new business account programmatically via the API. Creates a business account, stores business information, and initiates the KYB (Know Your Business) process. After successful registration, the account will be in PENDING status until KYB verification is complete.

Required scopes

Property	Value
Endpoint	GraphQL API
Authentication	OAuth Bearer Token
Required Scopes	`REGISTER_BUSINESS`

Prerequisites

Before calling this mutation, use the getBusinessCategories query to retrieve valid businessCategoryId and businessSubCategoryId values.

Basic mutation structure

mutation RegisterBusiness($input: RegisterBusinessInput!) {
  registerBusiness(input: $input) {
    accountId
    kybStatus
    success
    error {
      message
      code
    }
  }
}

Parameters

Parameter	Type	Required	Description
`businessName`	`String`	Yes	The legal business name
`dbaName`	`String`	No	The "Doing Business As" name
`businessStructure`	`BusinessStructure`	Yes	Must be one of: `LLC`, `CORPORATION`, `PARTNERSHIP`, `SOLE_PROPRIETORSHIP`, `COOP`
`businessLegalAddress`	`BusinessLegalAddress`	Yes	The business legal address object (see below)
`stateOfIncorporation`	`String`	Yes	The state where the business is incorporated
`taxId`	`String`	Yes	Tax ID / EIN Number. Format: `XX-XXXXXXX` (2 digits, hyphen, 7 digits)
`soleProprietorshipDocumentUrl`	`String`	Conditional	Required if `businessStructure` is `SOLE_PROPRIETORSHIP`. Upload via REST endpoint first
`businessCategoryId`	`UUID`	Yes	Business category ID (from getBusinessCategories query)
`businessSubCategoryId`	`UUID`	Yes	Business sub-category ID (from getBusinessCategories query)
`natureOfBusiness`	`String`	No	Brief description of the nature of business
`websiteUrl`	`String`	No	The business website URL
`businessAccountUsage`	`[BusinessAccountUsage]`	Conditional	Array of usage types. Required if `businessAccountUsageOther` is not provided.
`businessAccountUsageOther`	`String`	Conditional	Required if `businessAccountUsage` is empty or not provided.
`owners`	`[BusinessOwner]`	Yes	List of business owners. At least one owner required. Primary owner must be a registered Fluz user.

BusinessLegalAddress

Field	Type	Required	Description
`streetAddressLine1`	`String`	Yes	Street address line 1
`streetAddressLine2`	`String`	No	Street address line 2
`city`	`String`	Yes	City
`state`	`String`	Yes	State/province
`postalCode`	`String`	Yes	Postal code
`country`	`String`	Yes	Country name (ISO 3166). Some countries are restricted for KYB registration, e.g. Russia or Iran

BusinessOwner

Field	Type	Required	Description
`firstName`	`String`	Yes	Owner's first name
`lastName`	`String`	Yes	Owner's last name
`emailAddress`	`String`	Yes	Owner's email. Ensure you use the email address the user registered with on the Fluz platform.
`title`	`String`	Yes	Owner's title in the company
`ownershipPercentage`	`Int`	Yes	Percentage of ownership (0-100). Total ownership across all owners cannot exceed 100
`lastFourSsnDigits`	`String`	Yes	Last 4 digits of SSN
`dob`	`String`	Yes	Date of birth in `MM/DD/YYYY` format (e.g., `02/28/1975`)
`phoneNumber`	`String`	Yes	Phone number: minimum 10 digits, digits only
`address`	`OwnerAddress`	Yes	Owner's address (must be US-based, see `OwnerAddress`)

OwnerAddress

Field	Type	Required	Description
`streetAddressLine1`	`String`	Yes	Street address line 1
`streetAddressLine2`	`String`	No	Street address line 2
`city`	`String`	Yes	City
`state`	`String`	Yes	Must be a valid US state name (e.g., `California`, `New York`, `Texas`)
`postalCode`	`String`	Yes	Must be 5 digits for US ZIP code format

BusinessStructure (enum)

LLC
CORPORATION
PARTNERSHIP
SOLE_PROPRIETORSHIP
COOP

BusinessAccountUsage (enum)

CORPORATE_GIFTING
CORPORATE_SPENDING_ADMIN
REWARDS_MAXIMIZER
GIFT_CARD_RESELLING
PURCHASE_GOODS_FOR_BUSINESS_USE
ONLINE_SELLER_RETAIL_PURCHASING

Response details

Field	Type	Description
`accountId`	`UUID`	The account ID of the newly created business
`kybStatus`	`String`	The KYB status of the business (initially `PENDING`)
`success`	`Boolean`	Indicates if the registration was successful (on error)
`error`	`RegisterBusinessError`	Error information if registration failed (on error)

RegisterBusinessError

Field	Type	Description
`message`	`String`	Brief informational error message
`code`	`String`	Predefined code listed in the table below

cURL Example

curl -X POST https://transactional-graph.staging.fluzapp.com/api/v1/graphql \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer <ACCESS_TOKEN>" \
  -d '{
    "query": "mutation RegisterBusiness($input: RegisterBusinessInput!) { registerBusiness(input: $input) { accountId kybStatus success error { message code } } }",
    "variables": {
      "input": {
        "businessName": "Acme Corporation",
        "dbaName": "Acme Co",
        "businessStructure": "LLC",
        "businessLegalAddress": {
          "streetAddressLine1": "123 Main Street",
          "streetAddressLine2": "Suite 100",
          "city": "San Francisco",
          "state": "California",
          "postalCode": "94102",
          "country": "United States"
        },
        "stateOfIncorporation": "California",
        "taxId": "12-3456789",
        "businessCategoryId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
        "businessSubCategoryId": "b2c3d4e5-f6a7-8901-bcde-f12345678901",
        "natureOfBusiness": "E-commerce retail",
        "websiteUrl": "https://acme.example.com",
        "businessAccountUsage": ["CORPORATE_SPENDING_ADMIN", "PURCHASE_GOODS_FOR_BUSINESS_USE"],
        "owners": [
          {
            "firstName": "John",
            "lastName": "Doe",
            "emailAddress": "[email protected]",
            "title": "CEO",
            "ownershipPercentage": 60,
            "lastFourSsnDigits": "1234",
            "dob": "02/28/1975",
            "phoneNumber": "4155551234",
            "address": {
              "streetAddressLine1": "456 Oak Avenue",
              "city": "San Francisco",
              "state": "California",
              "postalCode": "94103"
            }
          },
          {
            "firstName": "Jane",
            "lastName": "Smith",
            "emailAddress": "[email protected]",
            "title": "CFO",
            "ownershipPercentage": 40,
            "lastFourSsnDigits": "5678",
            "dob": "07/15/1980",
            "phoneNumber": "4155555678",
            "address": {
              "streetAddressLine1": "789 Pine Street",
              "city": "San Francisco",
              "state": "California",
              "postalCode": "94104"
            }
          }
        ]
      }
    }
  }'

Example Response

Success

{
  "data": {
    "registerBusiness": {
      "accountId": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
      "kybStatus": "PENDING"
    }
  }
}

Error

{
  "data": {
    "registerBusiness": {
      "success": false,
      "error": {
        "message": "The entered tax id taxId must be in format XX-XXXXXXX (2 digits, hyphen, 7 digits)",
        "code": "BS-0001"
      }
    }
  }
}

Error Codes

Code	Name	Description
`BS-0001`	InvalidTaxId	The tax ID must be in format `XX-XXXXXXX` (2 digits, hyphen, 7 digits)
`BS-0002`	InvalidBusinessLegalAddress	Business legal address is incorrect
`BS-0003`	InvalidOwnerInformation	One or more owner information is incorrect
`BS-0004`	InvalidBusinessAccountUsage	Selected business account usage is not allowed
`BS-0005`	InvalidBusinessStructure	Selected business structure is not allowed
`BS-0006`	InvalidBusinessCategory	Ensure that business category and business subcategory are valid and properly connected (you subcategories from different categories cannot be combined; for example, Art cannot be selected with Pharmacy subcategory)
`BS-0007`	RegistrationNotAllowed	Wait until the last business finishes registration before starting a new one
`AR-0001`	MissingArguments	Required argument is missing (see error message for details)
`AR-0002`	InvalidArguments	Invalid argument provided (see error message for details)
`AU-0001`	UnsuccessfulRegistration	General registration failure

Notes

If businessStructure is SOLE_PROPRIETORSHIP, upload the document via the REST endpoint POST https://transactional-graph.staging.fluzapp.com/api/v1/file-upload/sole-proprietorship-document (using form-data content type). Then, supply the generated URL in soleProprietorshipDocumentUrl
When specifying account usage, either businessAccountUsage or businessAccountUsageOther must be provided.
Users cannot register a new business if they already have an ongoing application. They must wait for the current application to be approved or rejected before submitting another one.