# Consumers
source: https://developer.mastercard.com/open-finance-au/documentation/access-and-config/consumers/index.md

## Consumer Records {#consumer-records}

To use reporting products, you must first create a Consumer record. Unlike a Customer record, a Consumer record cannot be deleted.

The following reporting products require a Consumer to be created for a Customer before they can be used:

* [Verification of Income](https://developer.mastercard.com/open-finance-au/documentation/products/voi/index.md)
* [Verification of Assets](https://developer.mastercard.com/open-finance-au/documentation/products/voa/index.md)

Note: Consumer Ids have a one-to-one relationship with a Customer Id.

##### Creating a Consumer {#creating-a-consumer}


API Reference: `POST /decisioning/v1/customers/{customerId}/consumer`

```sh
curl --location --request POST 'https://api.openbanking.mastercard.com.au/decisioning/v1/{{customerid}}/1005061234/consumer' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'App-Key: {{appKey}}' \
--header 'App-Token: {{appToken}}' \
--data-raw '{
  "firstName": "{{firstname}}",
  "lastName": "{{lastname}}",
  "phone": "{{phone}}"
}'
```

* Expected response:

```json
{
 "id": "0bf46322c167b562e6cbed9d40e19a4c",
 "createdDate": 1607450357,
 "customerId": 1005061234
}
```

##### Operations for Retrieving and Managing Consumers {#operations-for-retrieving-and-managing-consumers}


API Reference: `GET /decisioning/v1/customers/{customerId}/consumer`


API Reference: `GET /decisioning/v1/consumers/{consumerId}`

## Next Steps {#next-steps}

* To learn more about Consent, which allows you to access your customer's accounts, refer to [Consent](https://developer.mastercard.com/open-finance-au/documentation/consent/index.md).
* To learn more about Connect, which allows your customers to consent access to their accounts, refer to the [Connect Application](https://developer.mastercard.com/open-finance-au/documentation/connect/index.md).
* For the full list of testing profiles available, refer to [Test Profiles](https://developer.mastercard.com/open-finance-au/documentation/integration-and-testing/test-the-apis/index.md).