---
title: "Request payment channel capabilities"
slug: "request-channel-capabilities"
updated: 2025-10-23T07:02:06Z
published: 2025-10-23T07:02:06Z
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Request payment channel capabilities

Once your account has passed verification and the Account Holder verification status is `PASSED`, you can start requesting capabilities for your Accounts. You will be [notified via webhook](/v1/docs/account-holder-webhooks) when the verification for your sub-account is successful.

To do this, you will need to use the `Update Account Holder` endpoint and input the capability’s `type` and `channel_code`.

| **Country** | **Type** | **Channel Codes** |
| --- | --- | --- |
| Philippines | MONEY_IN | PH_CARDS, GCASH |
| Thailand | MONEY_IN | TH_CARDS |

```plaintext
PATCH https://api.xendit.co/account_holders/{{account-holder-id}}
```

```json
{
    "capabilities": [
        {
            "type": "MONEY_IN",
            "channel_code": "GCASH"
        },
        {
            "type": "MONEY_IN",
            "channel_code": "PH_CARDS"
        }
    ]
}
```

If all requirements for the payment channels are already present in your Account Holder object, the verification process will begin. We will send you a [webhook](/v1/docs/account-holder-webhooks) once there is a status update on the capabilities request.

## Requirements for PH cards

There are additional requirements for `PH_CARDS` in the example below, regardless of what is chosen for `can_accept_usd` or `can_accept_recurring`:

- Tax identification number of each individual is required
- A minimum of 1 Incorporator and 1 PIC is required for `individual_details` (`type` and `role` parameters)
- An address object is required for each `individual_details`

Below is a sample request payload to request a `Cards` capability for a a Philippines corporation merchant

```plaintext
PATCH https://api.xendit.co/account_holders/{{account-holder-id}}
```

```json
{
   "business_detail": {
       "can_accept_usd": true,
       "can_accept_recurring": true,
       "projected_monthly_transaction_count": 10,
       "average_monthly_basket_size": 10,
       "tax_identification_number": "123456789"
   },
   "individual_details": [
       {
           "given_names": "test",
           "surname": "test",
           "phone_number": "+639191234567",
           "email": "mail@domain.co",
           "nationality": "PH",
           "place_of_birth": "PH",
           "date_of_birth": "2000-02-02",
           "gender": "MALE",
           "address": {
               "country": "PH",
               "district": "Quezon City",
               "sub_district": "U.P. campus",
               "street_line1": "incorporator street line 1",
               "street_line2": "incorporator street line 2",
               "city": "Manila",
               "province_state": "Metro Manila",
               "postal_code": "12345"
           },
           "tax_identification_number": "12345678",
           "type": "INCORPORATOR",
           "role": "owner"
       },
       {
           "phone_number": "+639191234567",
           "type": "PIC",
           "role": "contact person"
       }
   ],
   "capabilities": [{
       "type": "MONEY_IN",
       "channel_code": "PH_CARDS"
   }]
}
```