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

# create_cardholder

> Create a cardholder: one of YOUR users, as Agentcard knows them.

Connect to `https://mcp.agentcard.sh/mcp` with your **organization credential** (`client_id` + `client_secret`, or the org access token).

## What it does

Create a cardholder: one of YOUR users, as Agentcard knows them. Cards are issued in the cardholder's own name, so their real name and date of birth are required (identity verification needs them), plus at least one of email or phone number. On messaging surfaces, ask the user for these in conversation first. The cardholder is created in this connection's mode.

## Inputs

| Field                        | Type   | Description                                                                      |
| ---------------------------- | ------ | -------------------------------------------------------------------------------- |
| `first_name` *(required)*    | string | The user's legal first name                                                      |
| `last_name` *(required)*     | string | The user's legal last name                                                       |
| `date_of_birth` *(required)* | string | Date of birth, e.g. "1990-01-15"                                                 |
| `email`                      | string | Email (unique within your org per mode). One of email/phone\_number is required. |
| `phone_number`               | string | Phone in E.164, e.g. "+14155550123". One of email/phone\_number is required.     |

## Returns

| Field                  | Type    | Description                                                                                                                                                                          |
| ---------------------- | ------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| `message` *(required)* | string  | Human-readable confirmation.                                                                                                                                                         |
| `cardholderId`         | string  | The new cardholder id — store it keyed to your user.                                                                                                                                 |
| `identityMismatch`     | boolean | Present (true) when a cardholder with this email already exists but its name/date of birth do not match the request — the existing id was NOT reused; do not store it for this user. |

## Example call

```json theme={null}
{
  "tool": "create_cardholder",
  "arguments": {
    "first_name": "\u2026",
    "last_name": "\u2026",
    "date_of_birth": "\u2026"
  }
}
```