> ## Documentation Index
> Fetch the complete documentation index at: https://docs-payment-merchant.keysecure.io/llms.txt
> Use this file to discover all available pages before exploring further.

# 持卡人认证申请

新建或更新持卡人 KYC 认证申请。

## 请求头

<ParamField header="Api-Key" type="string" required placeholder="your_api_key">
  apiKey（商户凭证，与 IP 白名单绑定）
</ParamField>

<ParamField header="Timestamp" type="string" required>
  Unix 时间戳（毫秒），与服务端偏差须在 60 秒内，且不接受未来时间戳
</ParamField>

<ParamField header="Access-Token" type="string" required placeholder="your_access_token">
  登录标识（除获取 Token 外必填）
</ParamField>

<ParamField header="Content-Type" type="string" default="application/json">
  固定为 `application/json`
</ParamField>

## 请求体

<ParamField body="cardholder_no" type="string">
  持卡人单号（**更新认证时必填**）
</ParamField>

<ParamField body="cardholder_unique_no" type="string" required>
  商户侧持卡人唯一单号
</ParamField>

<ParamField body="sumsub_share_token" type="string" required placeholder="your_sumsub_share_token">
  Sumsub shareToken
</ParamField>

<Note>
  * **新建**：不传 `cardholder_no`，须传 `cardholder_unique_no` + `sumsub_share_token`。
  * **更新认证**：须传 `cardholder_no`，且 `cardholder_unique_no` 须与平台记录一致。
</Note>

## 返回参数

<ResponseField name="code" type="number">
  响应状态码，`0` 表示成功
</ResponseField>

<ResponseField name="msg" type="string">
  响应消息
</ResponseField>

<ResponseField name="data" type="object">
  返回数据

  <Expandable title="data">
    <ResponseField name="cardholder_no" type="string">持卡人单号</ResponseField>
    <ResponseField name="cardholder_unique_no" type="string">商户侧持卡人唯一单号</ResponseField>
  </Expandable>
</ResponseField>

<RequestExample>
  ```bash Request theme={null}
  curl --request POST \
    --url https://sandbox-openplatform.keysecure.io/open-api/v1/cardholder/apply \
    --header 'Content-Type: application/json' \
    --header 'Api-Key: your_api_key' \
    --header 'Timestamp: 1716307200000' \
    --header 'Access-Token: your_access_token' \
    --data '{
      "cardholder_no": "",
      "cardholder_unique_no": "MERCHANT_USER_001",
      "sumsub_share_token": "your_sumsub_share_token"
    }'
  ```
</RequestExample>

<ResponseExample>
  ```json Response theme={null}
  {
    "code": 0,
    "msg": "Success",
    "data": {
      "cardholder_no": "",
      "cardholder_unique_no": ""
    }
  }
  ```
</ResponseExample>