POST /merchants/v1/users

{
  "phone_number": "+79217948112"
}

{
  "zay-api-key": "01a0d8de-4c75-76b9-bfb5-b4586f105038",
  "zay-timestamp": "1790345869",
  "zay-signature": "ba9612bb7700a6f4c71458820033370e1d7a6a556e4c79388527ed912f522d4f",
  "Idempotency-Key": "\"b7b0d0f5-37e3-4cde-84cf-9ddae4515b38\"",
  "Content-Type": "application/json",
  "Accept": "application/json"
}

{
  "user": {
    "id": "01a0d8ee-032b-7bb7-9289-2f77695699ba",
    "external_id": null,
    "phone_number": "+79217948112",
    "email": null,
    "created_at": "2026-09-25T14:17:52.060Z",
    "account_state": "onboarding",
    "issuer_wallet_address": null
  }
}

{
  "date": "Fri, 25 Sep 2026 14:17:52 GMT",
  "content-type": "application/json; charset=utf-8",
  "content-length": "214",
  "connection": "keep-alive",
  "cache-control": "max-age=0, private, must-revalidate",
  "set-cookie": "__cf_bm=2gQpVgLdUMS3yh.XI_NpDIVYnCpqSWnTFWlp97F.hnw-1790345869.920747-1.0.1.1-wrZn0TOux6c1VsGknINJDvPUCGC1dB9KZLMLhhYatiV_OAx.i1bmEgQzSjASUc5Si.Vf.ZpE4pV0rY5fha93fsJ4pytgsBbn7lcIkgkT88qFr1lpoXapdWNW9QhaPm5_; HttpOnly; SameSite=None; Secure; Path=/; Domain=api-connect.zay.me; Expires=Fri, 25 Sep 2026 14:47:52 GMT",
  "content-security-policy": "default-src 'self'; script-src 'self' 'unsafe-inline'; style-src 'self' 'unsafe-inline' https://fonts.googleapis.com; font-src 'self' data: https://fonts.gstatic.com; img-src 'self' data: https://validator.swagger.io; object-src 'none'; base-uri 'self'; frame-ancestors 'self'",
  "etag": "W/\"9de5ebb23066137355bb36f99ad79807\"",
  "referrer-policy": "strict-origin-when-cross-origin",
  "strict-transport-security": "max-age=63072000; includeSubDomains",
  "vary": "Accept-Encoding,Accept",
  "x-app-revision": "133b25328d12f1a38fa841d4c9e0c6527c66d0c7",
  "x-cache": "bypass",
  "x-content-type-options": "nosniff",
  "x-frame-options": "SAMEORIGIN",
  "x-permitted-cross-domain-policies": "none",
  "x-request-id": "71ea7618-65c6-44ac-a37a-a37c1e2f5cae",
  "x-runtime": "2.091466",
  "x-xss-protection": "0",
  "server": "cloudflare",
  "x-do-app-origin": "87888b6d-cb15-4812-8102-0e8a991df6f6",
  "x-do-orig-status": "201",
  "cf-cache-status": "DYNAMIC",
  "nel": "{\"report_to\":\"cf-nel\",\"success_fraction\":0.0,\"max_age\":604800}",
  "report-to": "{\"group\":\"cf-nel\",\"max_age\":604800,\"endpoints\":[{\"url\":\"https://a.nel.cloudflare.com/report/v4?s=%2Bn95nuPJwrQ7ASSV%2FVpHvB%2B58pFaROfEfALqyF%2B5gHLubS2wzrj1%2B268OBY6MzzcU9ohTz7DsWIPLpAlO9Yr%2FkTFSDlHFItDLk1mGFad%2Ffkjx6I%2FIUlI8m1xYoI1e%2Fi2s5lUtyA%3D\"}]}",
  "cf-ray": "a40aa796ee371c86-AMS",
  "alt-svc": "h3=\":443\"; ma=86400"
}