Create Headless User

Create a new headless user in the Payward system.

A headless user is a lightweight user that only requires an external reference, without any end-user profile data (email, name, phone, etc.).

When retrying headless user creation, send the same external_reference for the same partner user. Payward uses this value to avoid creating duplicate users. Retry responses are generated from the latest available user state, not replayed from the original request.

This is useful for partners who manage end-user data entirely on their side.

Note: The availability of this endpoint depends on your licensing agreement. Only partners with the relevant licenses in their operating jurisdiction can choose not to share KYC data with Payward.

If you need to create a user with full profile data for KYC verification, use the Create User endpoint instead.