Reserved Account

Create and manage reserved fiat accounts.

Base URL: /v1/fiat/reserved-accounts
Auth: Authorization: Bearer <secret_key>

Reserved accounts are long-lived NGN collection accounts linked to a customer identity. Use them when the same customer or business needs a reusable account number rather than a new account for every payment.

Before creating an account

create the customer record
initiate and validate the required identity
use the identity record that belongs to the authenticated business
store the returned account ID and reference for later reads

Incoming transfers are reported as transactions. Removing a reserved account stops it from being used through your integration but does not replace transaction history.

Create reserved account

POST /v1/fiat/reserved-accounts

Body:

{
  "currency": "NGN",
  "identity_id": "identity_001",
  "phone_number": "08012345678",
  "email": "[email protected]"
}

List reserved accounts

GET /v1/fiat/reserved-accounts

Query (optional):

status
reference
page default 1
limit default 20, max 100

Fetch reserved account

GET /v1/fiat/reserved-accounts?id=bank_001

Optional:

transaction=1

Remove reserved account

DELETE /v1/fiat/reserved-accounts?id=bank_001