Create VIrtual Accounts
Last updated
Last updated
POST
{{baseUrl}}
/business/virtual-account/create
This endpoint allows you to create a virtual account that can be used to receive funds.
KYC must have been completed by the customer before this can be enabled.
Each customer can have only 1 Virtual account per currency
Headers
Content-Type
application/json
Authorization
Bearer <token>
Body
customer_id
number
Customer ID
currency
string
USD, MXN, BRL
Response
Request Example
StartFragment
API Guide
To create a virtual account, you'll need to pass information such as currency, accountType, meansOfID KYCInformation, etc.
Please find below the request parameters for the endpoint.
Field | Mandatory | type | Description |
---|---|---|---|
currency | Yes | string | The virtual account currency.e.g USD |
accountType | Yes | string | The virtual account type. For USD, we currently only offer individual accounts. |
meansOfId | Yes | string/array | The customer's means of identification which should be a valid government ID e.g passport, driver license. Please see the Accepted Documents |
utilityBill | Yes | string | Electricity bills, water bills or any detailed invoice showing the usage of a service. Bank Statement is also accepted. This can be a File Upload or a URL link to the document. Note, utility bill must be a valid document within the last 3 months. Name and address on utility has to match details sent in payload. |
bankStatement | Yes | string | Account statement from the user's bank. This can be a File Upload or URL link to the document. Note, bankStatement must be a valid document within the last 3 months. Name and address on statement has to match details sent in payload. |
KYCInformation | Yes | Object | KYC Information object |
KYCInformation.firstName | Yes | string | The customer's first name. This is required to create an individual account |
KYCInformation.lastName | Yes | string | The customer's last name. This is required to create an individual account |
KYCInformation.birthDate | Yes | string | The birthdate of the customer(YYYY-MM-DD). Please ensure that the DOB presented here matches with the date of birth visible on the means of ID. |
KYCInformation.birthPlace | No | string | The place of birth |
KYCInformation.birthCountry | No | string | Please provide the country codes in the ISO 3166-1 alpha-2 format (e.g., US for the United States, EU for the European Union, NG for Nigeria) |
KYCInformation.taxCountry | Yes | string | Please provide the country codes in the ISO 3166-1 alpha-2 format (e.g., US for the United States, EU for the European Union, NG for Nigeria) |
KYCInformation.taxNumber | No | string | Only required when tax country is US |
KYCInformation.nationality | Yes | string | The birthplace of the customer |
KYCInformation.email | Yes | string | The customer's email. |
KYCInformation.address | Yes | Object | The address of the customer |
KYCInformation.address.countryOfResidence | Yes | string | The address of the country |
KYCInformation.address.state | Yes | string | The address of the state |
KYCInformation.address.zip | Yes | string | The zip code must be valid. Refer to the ZIP Code Format Guide . |
KYCInformation.address.street | Yes | string | The street name |
KYCInformation.address.city | Yes | string | The city name |
KYCInformation.address.number | Yes | string | The house number |
KYCInformation.sourceOfIncome | Yes | string | Customer's source of income |
KYCInformation.accountDesignation | Yes | string | Specific use of the account e.g for personal use, corporate use, school fee payments etc. |
KYCInformation.incomeBand | Yes | string | Customer's income band. IncomeBand can be described as earning range or salary range of the customer. |
KYCInformation.phone | Yes | string | The customer's phone number |
KYCInformation.employmentStatus | Yes | string | Customer's employment status |
KYCInformation.document | Yes | object | The document |
KYCInformation.document.type | Yes | string | The type of ID document e.g passport , driverLicense , nationalId . |
KYCInformation. document.number | Yes | string | The number on the document |
KYCInformation. document.issuedCountryCode | Yes | string | The country that issued the document.Should be in ISO 3166-1 alpha-2 – two-letter country codes format(NG) |
KYCInformation. document.issuedBy | Yes | string | The government agency in charge of issuing the document. |
KYCInformation. document.issuedDate | Yes | string | The date the document was issued("YYYY-mm-dd") |
KYCInformation. document.expirationDate | Yes | string | The expiration date on the document ("YYYY-mm-dd"). Optional only when document type is nationalId . |
KYCInformation.occupation | Yes | string | The occupation of the customer. |
merchantReference | No | string | A unique ID/reference of the virtual account on your system. |
Document | API Value | Description |
---|---|---|
International Passport | passport | The International passport of the customer (This is the only ID type where a string url is accepted as the "meansOfId ", payload. For the rest, an array is expected.) |
Driver License | driverLicense | The driver's license of the customer. (When uploading this in the meansOfId field, ensure to send two string urls in an array, one for front and one for back). |
National ID card only | nationalId | National ID Card (Not NIN or v-NIN). |
Identity Card | idCard | This would accept an identity card, including Resident Permit. This identity card has to be a valid government issued ID, with the name, issue date and date of birth clearly visible. |
StartFragment
Document | API Value | Description |
---|---|---|
International Passport | passport | The International passport of the customer (This is the only ID type where a string url is accepted as the "meansOfId ", payload. For the rest, an array is expected.) |
Driver License | driverLicense | The driver's license of the customer. (When uploading this in the meansOfId  field, ensure to send two string urls in an array, one for front and one for back). |
National ID card only | nationalId | National ID Card (Not NIN or v-NIN). |
Identity Card | idCard | This would accept an identity card, including Resident Permit. This identity card has to be a valid government issued ID, with the name, issue date and date of birth clearly visible. |
{"currency":"USD","customer_id":"ae68f0ef-0e59-4a23-b8da-9e07bf2af361"}
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