Can somebody please advise to me on why the CreateCustomerProfile required banking or credit card information. I have been told from a few different people that I can create a Customer Profile without having to pass in Credit Card information or Banking information. 

Whenever, I have tried to remove financial information, all requests fail and I am prompted to add the information. Once the information is entered, the request passes.

Is creating Customer Profiles allowable without passing financial information? Please advise

Thanks,

John