> ## Documentation Index > Fetch the complete documentation index at: https://docs.lite.sa/llms.txt > Use this file to discover all available pages before exploring further. # Create a payment instrument > Creates a new payment instrument (card, IBAN, or digital wallet) for a merchant and holder. The instrument data can be provided as raw PAN data (pan_data), as an encrypted JWE token (data), or as a digital wallet token. ## OpenAPI ````yaml /openapi/payment-instruments.json post /instruments openapi: 3.1.0 info: title: lite - Payment Instruments version: 1.0.0 servers: - url: https://api.lite.sa/v1 description: Production - url: https://sandbox.lite.sa/v1 description: Sandbox - url: https://dev.lite.sa/v1 description: Development security: - ApiKeyAuth: [] - BearerAuth: [] tags: - name: Payment Instruments description: Create, manage, and perform actions on payment instruments paths: /instruments: post: tags: - Payment Instruments summary: Create a payment instrument description: |- Creates a new payment instrument (card, IBAN, or digital wallet) for a merchant and holder. The instrument data can be provided as raw PAN data (pan_data), as an encrypted JWE token (data), or as a digital wallet token. operationId: lite.instruments.createInstrument parameters: - $ref: '#/components/parameters/x-correlation-id' - $ref: '#/components/parameters/x-idempotency-key' requestBody: $ref: '#/components/requestBodies/CreateInstrument' responses: '201': $ref: '#/components/responses/InstrumentCreated' '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' '403': $ref: '#/components/responses/Forbidden' '500': $ref: '#/components/responses/InternalServerError' components: parameters: x-correlation-id: name: x-correlation-id in: header required: false description: >- Unique identifier for request tracing. Generated by the client or server if not provided. schema: type: string format: uuid example: 550e8400-e29b-41d4-a716-446655440000 x-idempotency-key: name: x-idempotency-key in: header required: false description: >- Unique key for idempotent request processing. Duplicate requests with the same key are safely ignored. schema: type: string format: uuid example: baf6a8e2-0c89-46ef-9ca5-faa65b99bcd5 requestBodies: CreateInstrument: description: Instrument creation data content: application/json: schema: $ref: '#/components/schemas/CreateInstrumentRequest' examples: rawCard: $ref: '#/components/examples/create-instrument-raw-card' cofCard: $ref: '#/components/examples/create-instrument-cof' applePay: $ref: '#/components/examples/create-instrument-apple-pay' encryptedCard: $ref: '#/components/examples/create-instrument-encrypted' responses: InstrumentCreated: description: Instrument created successfully. content: application/json: schema: $ref: '#/components/schemas/CreateInstrumentResponse' BadRequest: description: > The request was invalid or malformed. Returned when: - Request validation fails (missing required fields, invalid field formats) - Payment details do not match the session (amount, currency, order reference mismatch) - The operation is not allowed given the current resource state content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' Unauthorized: description: | Authentication failed — missing or invalid token. Returned when: - The JWT bearer token is missing, expired, or has an invalid signature - The API key is missing or invalid - The authenticated session token is invalid content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' Forbidden: description: > Request blocked by security policy. Returned when: - A security threat is detected (SQL injection, XSS, NoSQL injection, LDAP injection, path traversal) - Header injection or suspicious headers are detected - The request payload exceeds the maximum allowed size - Geo-region validation fails (user country does not match client region) content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' InternalServerError: description: > An unexpected error occurred on the server. Returned when an unhandled exception or infrastructure failure prevents the request from being processed. Retry the request with exponential backoff. content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' schemas: CreateInstrumentRequest: type: object description: Request body for creating a new payment instrument required: - holder_id - payment_method - holder_type properties: holder_id: type: string description: Holder ID (customer or beneficiary) example: holder_123456789 payment_method: type: string description: Payment method type example: card oneOf: - title: Card const: card description: Credit or debit card - title: Iban const: iban description: IBAN bank account - title: Apple Pay const: applePay description: Apple Pay digital wallet - title: Samsung Pay const: samsungPay description: Samsung Pay digital wallet - title: Google Pay const: googlePay description: Google Pay digital wallet holder_type: type: string description: Holder type example: CUSTOMER oneOf: - title: Customer const: CUSTOMER description: End customer - title: Beneficiary const: BENEFICIARY description: Payout beneficiary pan_data: $ref: '#/components/schemas/PanData' data: type: string description: Additional data (e.g., encrypted JWE token or device payment token) example: '{"version":"EC_v1","data":"...","signature":"...","header":{...}}' agreement: $ref: '#/components/schemas/Agreement' future_usage: type: string description: Future usage type for card-on-file agreements example: unscheduled_card_on_file oneOf: - title: Unscheduled Card On File const: unscheduled_card_on_file description: Unscheduled recurring card-on-file transaction - title: Recurring const: recurring description: Scheduled recurring transaction - title: Unscheduled const: unscheduled description: Unscheduled one-off transaction CreateInstrumentResponse: type: object description: Response returned after creating a new instrument required: - id - created_at - merchant_id - holder_id - payment_method - holder_type properties: id: type: string format: uuid description: Unique instrument identifier example: 550e8400-e29b-41d4-a716-446655440000 created_at: type: string format: date-time description: Timestamp when the instrument was created example: '2024-01-01T00:00:00.000Z' merchant_id: type: string description: Merchant that owns the instrument example: merch_123456789 holder_id: type: string description: Holder ID associated with the instrument example: holder_123456789 payment_method: type: string description: Payment method type example: card oneOf: - title: Card const: card description: Credit or debit card - title: Iban const: iban description: IBAN bank account - title: Apple Pay const: applePay description: Apple Pay digital wallet - title: Samsung Pay const: samsungPay description: Samsung Pay digital wallet - title: Google Pay const: googlePay description: Google Pay digital wallet holder_type: type: string description: Holder type example: CUSTOMER oneOf: - title: Customer const: CUSTOMER description: End customer - title: Beneficiary const: BENEFICIARY description: Payout beneficiary ErrorResponse: type: object required: - error properties: error: type: object required: - code - message - timestamp properties: code: type: string description: Error code identifying the type of error example: PAYMENT_DETAILS_MISMATCH message: type: string description: Human-readable error description example: The request was invalid or malformed details: type: object description: Additional error details correlationId: type: string format: uuid description: Correlation ID for tracking the request example: 550e8400-e29b-41d4-a716-446655440000 timestamp: type: string format: date-time description: Timestamp when the error occurred example: '2024-12-16T10:30:00.000Z' PanData: type: object description: PAN (Primary Account Number) data for card tokenization required: - card_number - expiry_month - expiry_year - cvc - holder_name properties: card_number: type: string description: Card number (PAN) pattern: ^\d{13,19}$ minLength: 13 maxLength: 19 example: '4111111111111111' expiry_month: type: string description: Expiry month (MM) pattern: ^(0[1-9]|1[0-2])$ example: '12' expiry_year: type: string description: Expiry year (YY) pattern: ^\d{2}$ example: '30' cvc: type: string description: Card verification code pattern: ^\d{3,4}$ minLength: 3 maxLength: 4 example: '123' holder_name: type: string description: Cardholder name maxLength: 255 example: John Doe Agreement: type: object description: Card-on-file agreement details for recurring or unscheduled transactions properties: reference: type: string description: Agreement ID defined by merchant example: custom-reference initial_transaction_reference: type: string description: Reference of the initial transaction that established the agreement example: transaction-reference-xxx consent: $ref: '#/components/schemas/AgreementConsent' AgreementConsent: type: object description: Consent details for card-on-file agreement required: - disclosure_version - accepted_at - ip_address - user_agent properties: disclosure_version: type: string description: Version of the disclosure shown to the cardholder example: v1.2 accepted_at: type: string format: date-time description: Timestamp when consent was accepted example: '2025-03-08T12:22:11Z' ip_address: oneOf: - type: string format: ipv4 description: IPv4 address example: 203.0.113.42 - type: string format: ipv6 description: IPv6 address example: 2001:db8::1 user_agent: type: string description: User agent of the cardholder's browser at time of consent example: Mozilla/5.0 examples: create-instrument-raw-card: summary: Create a card instrument with raw PAN data value: holder_id: 06463cf8-c156-4ff6-bf02-5d559b738718 payment_method: card holder_type: CUSTOMER pan_data: card_number: '4456530000001096' expiry_month: '12' expiry_year: '30' cvc: '123' holder_name: John Doe create-instrument-cof: summary: Create a card-on-file instrument with agreement value: holder_id: '1234' payment_method: card holder_type: BENEFICIARY pan_data: card_number: '5123450000000008' expiry_month: '12' expiry_year: '28' cvc: '123' holder_name: Donald Duck future_usage: recurring agreement: initial_transaction_reference: '123' reference: '12345' create-instrument-apple-pay: summary: Create an Apple Pay instrument with wallet token value: holder_id: 06463cf8-c156-4ff6-bf02-5d559b738718 payment_method: applePay holder_type: CUSTOMER data: >- 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create-instrument-encrypted: summary: Create a card instrument with encrypted JWE payload value: holder_id: 06463cf8-c156-4ff6-bf02-5d559b738718 payment_method: card holder_type: CUSTOMER data: >- eyJhbGciOiJSU0EtT0FFUC0yNTYiLCJlbmMiOiJBMjU2R0NNIiwi dHlwIjoiSldFIn0.dGVzdC1lbmNyeXB0ZWQtY29udGVudA.dGVzdC 1hdXRoZW50aWNhdGlvbi10YWc.VGVzdEluaXRpYWxpemF0aW9uVm VjdG9y.dGVzdC1jaXBoZXJ0ZXh0 securitySchemes: ApiKeyAuth: type: apiKey in: header name: x-api-key description: API key for service-to-service or merchant authentication. BearerAuth: type: http scheme: bearer bearerFormat: JWT description: >- JWT Bearer token obtained from user authentication. Passed as Authorization: Bearer . ````