Create a Virtual Account

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 palmpay

curl -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."

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SDKs & Libraries

API Reference

Create a Virtual Account