# Register a Debtor
source: https://developer.mastercard.com/payment-initiation-api/documentation/use-cases/register-debtor/index.md

This section provides a high‑level view of the end‑to‑end Debtor registration process, including how Debtor Agents register new Debtors, update or delete existing registrations, and retrieve Debtor registration details.

## How Debtor Registration Works {#how-debtor-registration-works}

The overview diagram illustrates the main steps involved in the Debtor registration process.
Diagram newregistrationflow

1. The Debtor Agent submits the registration request by invoking the Debtor registration APIs.
2. Commercial Direct Payments (CDP) validates the registration request.
3. CDP completes the registration request.
4. CDP notifies the Debtor Agent when the registration is complete.

Note: The Mastercard CDP-assigned ICA number is used for agent identification in all service requests for core operations. A Customer Service Provider can use their API credentials to transact on behalf of a customer by providing their customer's ICA number in the request. Direct payment agents can still transact by entering their own ICA when sending a transaction to Mastercard CDP.

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## Register a Debtor in CDP {#register-a-debtor-in-cdp}

This endpoint enables Debtor Agents to register their Debtors in CDP.
Diagram newregisterbuyer

1. The Debtor Agent submits the Debtor registration request
   API Reference: `POST /debtor-agents/{ica}/debtors`

2. CDP completes the registration and returns a 201 Created response.

Tip: The registration ID is required to complete additional registration activities for the Debtor.

## Update Debtor Registration {#update-debtor-registration}

This endpoint updates an existing Debtor registration in CDP after successful registration. For example, the API updates the registration details when a Debtor changes its location.

The following Debtor details can be updated using the update a Debtor registration endpoint.

* Legal business address
* Organisation identification

Diagram updateregisterbuyer

1. The Debtor Agent submits an update request for an existing Debtor registration to CDP.
   API Reference: `PUT /debtor-agents/{ica}/debtors/{debtor_id}`

2. CDP returns a 204 Success response.

## Delete Debtor Registration {#delete-debtor-registration}

This endpoint deletes a Debtor registration in CDP when the Debtor has no active or historical transaction activity.
Note: If there is any transaction activity, the Debtor Agent must deactivate the Debtor registration and its associated Debtor payment profile instead of deleting it. Contact the [CTS Commercial Team](mailto:CTS.Commercial@mastercard.com) to deactivate. Diagram deleteregisterbuyer

1. The Debtor Agent submits a request to delete a Debtor registration from CDP.
   API Reference: `DELETE /debtor-agents/{ica}/debtors/{debtor_id}`

2. CDP returns a 204 Success response.

Note: The Debtor profile is marked in the INACTIVE state once this endpoint is triggered. The Debtor profile data is deleted after 90 days.

## Retrieve Debtor Registration {#retrieve-debtor-registration}

These endpoints enable Debtor Agents to retrieve Debtor registration details in CDP. The API retrieves either a single Debtor or all Debtors associated with a Debtor Agent.

### Retrieve a single Debtor registration {#retrieve-a-single-debtor-registration}

Diagram getregisterbuyer

1. The Debtor Agent submits a request to retrieve a single Debtor registration from CDP.
   API Reference: `GET /debtor-agents/{ica}/debtors/{debtor_id}`

2. CDP returns a 200 OK response.

### Retrieve all Debtor registrations {#retrieve-all-debtor-registrations}

Diagram retrieve-new-reg

1. The Debtor Agent submits a request to retrieve all Debtor registrations from CDP.
   API Reference: `GET /debtor-agents/{ica}/debtors`

2. CDP returns a 200 OK response.