Create a virtual account
curl --request POST \
--url https://api.payracle.com/api/v1/virtual-accounts \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"customer_name": "Jane Doe",
"customer_phone": "+2348012345678",
"customer_email": "jane@example.com",
"bvn": "12345678901",
"funding_limit": 100000,
"provider": "paga",
"banks": [
"paga",
"palmpay"
]
}
'import requests
url = "https://api.payracle.com/api/v1/virtual-accounts"
payload = {
"customer_name": "Jane Doe",
"customer_phone": "+2348012345678",
"customer_email": "jane@example.com",
"bvn": "12345678901",
"funding_limit": 100000,
"provider": "paga",
"banks": ["paga", "palmpay"]
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
customer_name: 'Jane Doe',
customer_phone: '+2348012345678',
customer_email: 'jane@example.com',
bvn: '12345678901',
funding_limit: 100000,
provider: 'paga',
banks: ['paga', 'palmpay']
})
};
fetch('https://api.payracle.com/api/v1/virtual-accounts', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.payracle.com/api/v1/virtual-accounts",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'customer_name' => 'Jane Doe',
'customer_phone' => '+2348012345678',
'customer_email' => 'jane@example.com',
'bvn' => '12345678901',
'funding_limit' => 100000,
'provider' => 'paga',
'banks' => [
'paga',
'palmpay'
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.payracle.com/api/v1/virtual-accounts"
payload := strings.NewReader("{\n \"customer_name\": \"Jane Doe\",\n \"customer_phone\": \"+2348012345678\",\n \"customer_email\": \"jane@example.com\",\n \"bvn\": \"12345678901\",\n \"funding_limit\": 100000,\n \"provider\": \"paga\",\n \"banks\": [\n \"paga\",\n \"palmpay\"\n ]\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.payracle.com/api/v1/virtual-accounts")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"customer_name\": \"Jane Doe\",\n \"customer_phone\": \"+2348012345678\",\n \"customer_email\": \"jane@example.com\",\n \"bvn\": \"12345678901\",\n \"funding_limit\": 100000,\n \"provider\": \"paga\",\n \"banks\": [\n \"paga\",\n \"palmpay\"\n ]\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.payracle.com/api/v1/virtual-accounts")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"customer_name\": \"Jane Doe\",\n \"customer_phone\": \"+2348012345678\",\n \"customer_email\": \"jane@example.com\",\n \"bvn\": \"12345678901\",\n \"funding_limit\": 100000,\n \"provider\": \"paga\",\n \"banks\": [\n \"paga\",\n \"palmpay\"\n ]\n}"
response = http.request(request)
puts response.read_body{
"message": "<string>",
"customer_name": "<string>",
"accounts": [
{
"account_number": "0354650915",
"account_name": "Jane Doe",
"bank_name": "Paga",
"bank_code": null
}
],
"errors": [
{
"provider": "palmpay",
"message": "license number duplicate"
}
]
}Virtual Accounts
Create a Virtual Account
Provision a persistent, per-customer bank account
POST
/
virtual-accounts
Create a virtual account
curl --request POST \
--url https://api.payracle.com/api/v1/virtual-accounts \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"customer_name": "Jane Doe",
"customer_phone": "+2348012345678",
"customer_email": "jane@example.com",
"bvn": "12345678901",
"funding_limit": 100000,
"provider": "paga",
"banks": [
"paga",
"palmpay"
]
}
'import requests
url = "https://api.payracle.com/api/v1/virtual-accounts"
payload = {
"customer_name": "Jane Doe",
"customer_phone": "+2348012345678",
"customer_email": "jane@example.com",
"bvn": "12345678901",
"funding_limit": 100000,
"provider": "paga",
"banks": ["paga", "palmpay"]
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({
customer_name: 'Jane Doe',
customer_phone: '+2348012345678',
customer_email: 'jane@example.com',
bvn: '12345678901',
funding_limit: 100000,
provider: 'paga',
banks: ['paga', 'palmpay']
})
};
fetch('https://api.payracle.com/api/v1/virtual-accounts', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.payracle.com/api/v1/virtual-accounts",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'customer_name' => 'Jane Doe',
'customer_phone' => '+2348012345678',
'customer_email' => 'jane@example.com',
'bvn' => '12345678901',
'funding_limit' => 100000,
'provider' => 'paga',
'banks' => [
'paga',
'palmpay'
]
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.payracle.com/api/v1/virtual-accounts"
payload := strings.NewReader("{\n \"customer_name\": \"Jane Doe\",\n \"customer_phone\": \"+2348012345678\",\n \"customer_email\": \"jane@example.com\",\n \"bvn\": \"12345678901\",\n \"funding_limit\": 100000,\n \"provider\": \"paga\",\n \"banks\": [\n \"paga\",\n \"palmpay\"\n ]\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.payracle.com/api/v1/virtual-accounts")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"customer_name\": \"Jane Doe\",\n \"customer_phone\": \"+2348012345678\",\n \"customer_email\": \"jane@example.com\",\n \"bvn\": \"12345678901\",\n \"funding_limit\": 100000,\n \"provider\": \"paga\",\n \"banks\": [\n \"paga\",\n \"palmpay\"\n ]\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.payracle.com/api/v1/virtual-accounts")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"customer_name\": \"Jane Doe\",\n \"customer_phone\": \"+2348012345678\",\n \"customer_email\": \"jane@example.com\",\n \"bvn\": \"12345678901\",\n \"funding_limit\": 100000,\n \"provider\": \"paga\",\n \"banks\": [\n \"paga\",\n \"palmpay\"\n ]\n}"
response = http.request(request)
puts response.read_body{
"message": "<string>",
"customer_name": "<string>",
"accounts": [
{
"account_number": "0354650915",
"account_name": "Jane Doe",
"bank_name": "Paga",
"bank_code": null
}
],
"errors": [
{
"provider": "palmpay",
"message": "license number duplicate"
}
]
}POST /v1/virtual-accounts
Requests a single provider via the provider field (defaults to paga). To provision on both networks in one call, see Multi-Provider Requests instead.
string
required
Full name of the customer
string
Customer’s phone number, e.g.
+2348012345678. Required if provider is paga.string
Customer’s email address. Required if
provider is paga.string
Customer’s 11-digit BVN (optional —
financial_identification_number is accepted as a deprecated alias for the same field)number
Max single transaction in Naira, between 100 and 1,000,000. Defaults to 50,000
string
default:"paga"
paga or palmpaycurl -X POST "https://api.payracle.com/api/v1/virtual-accounts" \
-H "Authorization: Bearer sk_live_YOUR_SECRET_KEY" \
-H "Content-Type: application/json" \
-d '{
"customer_name": "Jane Doe",
"customer_phone": "+2348012345678",
"customer_email": "jane@example.com",
"bvn": "12345678901",
"funding_limit": 100000
}'
Response
{
"message": "Virtual account created successfully.",
"id": 5,
"reference": "pva_ca067b8f-...",
"customer_name": "Jane Doe",
"accounts": [
{
"account_number": "0354650915",
"account_name": "Jane Doe",
"bank_name": "Paga",
"bank_code": null
}
]
}
Calling this again for the same customer doesn’t create a duplicate — it returns the existing account with
"message": "Virtual account already exists for this customer."Authorizations
sk_live_... or sk_test_... — can call every endpoint. Server-side only.
Body
application/json
Example:
"Jane Doe"
Required if provider/banks includes paga
Example:
"+2348012345678"
Required if provider/banks includes paga
Example:
"jane@example.com"
Example:
"12345678901"
Example:
100000
Available options:
paga, palmpay Available options:
paga, palmpay Example:
["paga", "palmpay"]