Multi-Provider Requests

POST /v1/virtual-accounts Pass a banks array instead of a single provider string to request accounts on multiple networks at once. Each provider is attempted independently — if one fails (e.g. PalmPay rejects a duplicate identity document), the other’s account is still returned rather than the whole call failing.

string

required

Full name of the customer

string

Required if paga is one of the requested providers

string

Required if paga is one of the requested providers

array

required

Array of provider names to request, e.g. ["paga", "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",
    "banks": ["paga", "palmpay"]
  }'

Response — all succeeded

{
  "message": "Virtual accounts created successfully.",
  "customer_name": "Jane Doe",
  "accounts": [
    { "account_number": "0354650915", "account_name": "Jane Doe", "bank_name": "Paga", "bank_code": null },
    { "account_number": "6610371184", "account_name": "Jane Doe", "bank_name": "PalmPay", "bank_code": null }
  ],
  "errors": []
}

Response — partial failure

{
  "message": "Virtual accounts created successfully. (palmpay failed — see errors.)",
  "customer_name": "Jane Doe",
  "accounts": [
    { "account_number": "0354650915", "account_name": "Jane Doe", "bank_name": "Paga", "bank_code": null }
  ],
  "errors": [
    { "provider": "palmpay", "message": "license number duplicate" }
  ]
}

A 422 is only returned if every requested provider failed. A partial success still returns 201 — always check the errors array, don’t assume success just because the HTTP status is 2xx.

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Multi-Provider Requests