# Virtual Account

---

A Virtual Account is a dedicated, system-generated account assigned to a customer for receiving payments. Each virtual account is uniquely mapped to a customer using their personal details such as first name, surname, account name, and phone number.

Funds paid into a virtual account are automatically tracked and credited to the associated merchant or customer wallet, making reconciliation fast, accurate, and seamless.

Create a Virtual Account

To generate a virtual account for a customer, send a request with the required customer details. The system will create and return a unique virtual account tied to the provided information.

curl -X POST \
  '{{base-url}}/virtual-account/create'

Request Body (JSON)

{
  "firstname": "Taofeek",
  "surname": "Iyanda",
  "account_name": "Taofeek Iyanda",
  "phone": "2349065241914"
}

Field	Type	Description
Firstname	String	Customer’s first name	Required
Surname	String	Customer’s last name	Required
Account Name	String	The display name for the virtual account	Required
Phone	String	Customer’s phone number in international format	Required

Example :

How Virtual Accounts Work

Once a virtual account is created, customers can make transfers to the account using bank transfer. All payments received are automatically logged and reflected in the merchant’s wallet balance.

Virtual accounts are ideal for:

• Customer-specific payments
• Automated transaction tracking
• Eliminating manual payment confirmation