Virtual Account

Create and manage virtual fiat accounts.

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

Virtual accounts are temporary, transaction-specific NGN payment instructions. Use them when you know the expected amount and want a dedicated account for a limited payment window.

Lifecycle

Create an account with a unique reference, expected amount, and validity period.
Display the returned bank details and exact amount to the payer.
Stop presenting the instructions after expiry.
Process the resulting transaction webhook when payment arrives.
Use transaction lookup for reconciliation.

Create a reserved account instead when the account number must remain available for repeat customer payments.

Create virtual account

POST /v1/fiat/virtual-accounts

Body:

{
  "currency": "NGN",
  "validFor": 30,
  "amount": 1500,
  "reference": "ref_001"
}

List virtual accounts

GET /v1/fiat/virtual-accounts

Query (optional):

status
reference
page default 1
limit default 20, max 100

Fetch virtual account

GET /v1/fiat/virtual-accounts?id=id_001

Optional:

transaction=1

Remove virtual account

DELETE /v1/fiat/virtual-accounts?id=id_001