curl --request POST \
  --url https://api.staging.payrails.io/merchant/holders \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'x-idempotency-key: <x-idempotency-key>' \
  --data '
{
  "reference": "customer-123"
}
'

import requests

url = "https://api.staging.payrails.io/merchant/holders"

payload = { "reference": "customer-123" }
headers = {
    "x-idempotency-key": "<x-idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'x-idempotency-key': '<x-idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({reference: 'customer-123'})
};

fetch('https://api.staging.payrails.io/merchant/holders', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.staging.payrails.io/merchant/holders",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'reference' => 'customer-123'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "x-idempotency-key: <x-idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.staging.payrails.io/merchant/holders"

	payload := strings.NewReader("{\n  \"reference\": \"customer-123\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-idempotency-key", "<x-idempotency-key>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.staging.payrails.io/merchant/holders")
  .header("x-idempotency-key", "<x-idempotency-key>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"reference\": \"customer-123\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.staging.payrails.io/merchant/holders")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-idempotency-key"] = '<x-idempotency-key>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"reference\": \"customer-123\"\n}"

response = http.request(request)
puts response.read_body

{
  "id": "b8fe6271-5d71-4d28-b8e8-89e64acc0c49",
  "reference": "user-123",
  "createdAt": "2022-02-03T14:38:40.557Z",
  "status": [
    "enabled"
  ],
  "type": "Customer"
}

{
  "errors": [
    {
      "id": "a24bc325-3929-4d9d-9c08-b3aa532685b7",
      "code": "request.malformed",
      "detail": "The request has malformed syntax",
      "docUrl": "https://docs.payrails.com/docs/resources/error-codes#requestmalformed"
    }
  ]
}

{
  "errors": [
    {
      "id": "a24bc325-3929-4d9d-9c08-b3aa532685b7",
      "code": "request.unauthorized",
      "detail": "The request lacks necessary credentials to perform the specified action",
      "docUrl": "https://docs.payrails.com/docs/resources/error-codes#requestunauthorized"
    }
  ]
}

{
  "errors": [
    {
      "id": "e7db22b3-914e-4975-928e-9edfb0885bea",
      "code": "request.forbidden",
      "detail": "The request credentials lack the required permissions to perform the specified action",
      "docUrl": "https://docs.payrails.com/docs/resources/error-codes#requestforbidden"
    }
  ]
}

{
  "errors": [
    {
      "id": "a24bc325-3929-4d9d-9c08-b3aa532685b7",
      "code": "request.not-found",
      "detail": "The requested resource was not found",
      "docUrl": "https://docs.payrails.com/docs/resources/error-codes#requestnot-found"
    }
  ]
}