> ## Documentation Index > Fetch the complete documentation index at: https://docs.endl.io/llms.txt > Use this file to discover all available pages before exploring further. # Create recipient > Create a recipient under your POBO scope. Which fields are required varies by `payoutRail` and `currency`. Ask [Get recipient required fields](/api-reference/reference/get-recipient-required-fields) on the standard Partner API first and collect exactly what it returns. The response returns a `rec_` reference id. ## OpenAPI ````yaml api-reference/endl-pobo-api.json POST /api/v0/pobo/recipients openapi: 3.1.0 info: title: Endl POBO API version: '0' description: >- Payment on behalf of — pay out on behalf of a named originator. Every POBO endpoint lives under `/api/v0/pobo` and needs an API key carrying the `pobo` permission. POBO is **partner-scoped**: there is no `userId` in any path, and every identifier you exchange is a prefixed reference id rather than an internal UUID. POBO routes through Paywho only. A Bridge-routed currency or rail is rejected with `400`. servers: - url: https://api-sandbox.endl.io description: Sandbox security: - apiKey: [] paths: /api/v0/pobo/recipients: post: tags: - Recipients summary: Create recipient description: >- Create a recipient under your POBO scope. Which fields are required varies by `payoutRail` and `currency`. Ask [Get recipient required fields](/api-reference/reference/get-recipient-required-fields) on the standard Partner API first and collect exactly what it returns. The response returns a `rec_` reference id. requestBody: required: true content: application/json: schema: type: object properties: type: type: string enum: - INDIVIDUAL - BUSINESS description: '`INDIVIDUAL` or `BUSINESS`.' firstName: type: string description: Given name. lastName: type: string description: Family name. alias: type: string description: Your own label for this recipient. email: type: string description: Contact email. phone: type: string description: Contact phone in E.164. bankName: type: string description: Receiving bank. bankAccountNumber: type: string description: Account number at the receiving bank. swiftBic: type: string description: SWIFT/BIC of the receiving bank. accountType: type: string description: Account type — `SAVINGS`, `CHECKING`. currency: type: string description: Destination currency, ISO 4217 — `PHP`. payoutRail: type: string description: Payout rail. POBO accepts Paywho rails only. relationshipToCustomer: type: string description: Relationship of the recipient to your customer. recipientAddress: type: object description: >- Postal address. `countryThreeLetter` is the ISO 3166-1 alpha-3 code. properties: addressLine1: type: string description: Street address. addressLine2: type: string description: Second address line, if any. city: type: string description: City. state: type: string description: State or province. country: type: string description: Country name. postalCode: type: string description: Postal or ZIP code. countryThreeLetter: type: string description: ISO 3166-1 alpha-3 country code — `PHL`. example: type: INDIVIDUAL firstName: Juan lastName: Dela Cruz email: juan@example.com phone: '+639181234567' bankName: BDO Unibank bankAccountNumber: '0012345678' swiftBic: BNORPHMM accountType: SAVINGS currency: PHP payoutRail: BANK_TRANSFER relationshipToCustomer: FRIEND recipientAddress: addressLine1: 88 Mabini St city: Cebu City country: Philippines countryThreeLetter: PHL responses: '201': description: Recipient created. `data` carries the `rec_` reference id. content: application/json: example: code: 201 message: Success status: SUCCESS data: {} errors: [] '400': description: Validation failed, or the route is not supported for POBO. content: application/json: example: code: 400 message: Rail not supported for POBO status: ERROR data: null errors: - code: VALIDATION_ERROR message: Rail not supported for POBO field: null '401': description: Missing or invalid API credentials. content: application/json: example: data: null code: 401 message: Authentication Failed! status: Error errors: - code: '401' message: Authentication Failed! field: Authentication Failed! '403': description: The key does not carry the `pobo` permission. Raised at the edge. content: application/json: example: data: null code: 403 message: API key does not have 'pobo' permission status: Error errors: - code: '403' message: API key does not have 'pobo' permission field: API key does not have 'pobo' permission '409': description: The request conflicts with existing state. content: application/json: example: code: 409 message: >- A sender with this governmentId already exists for this partner status: ERROR data: null errors: - code: CONFLICT message: >- A sender with this governmentId already exists for this partner field: null '429': description: The per-API-key request rate limit was exceeded. content: application/json: example: data: null code: 429 message: Rate limit exceeded, please retry later status: Error errors: - code: '429' message: Rate limit exceeded, please retry later field: Rate limit exceeded, please retry later '500': description: Unexpected server error. content: application/json: example: code: 500 message: Unexpected error status: ERROR data: null errors: - code: INTERNAL_ERROR message: Unexpected error field: null '502': description: >- Endl could not reach the service behind the edge. Retry with backoff. content: application/json: example: data: null code: 502 message: Upstream service error status: Error errors: null components: securitySchemes: apiKey: type: apiKey in: header name: API-KEY description: Your partner API key. Must carry the `pobo` permission. ````