Multi-Provider Requests

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

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 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.

Authorizations

Authorization

string

header

required

sk_live_... or sk_test_... — can call every endpoint. Server-side only.

Body

application/json

customer_name

string

required

Example:

"Jane Doe"

customer_phone

string

Required if provider/banks includes paga

Example:

"+2348012345678"

customer_email

string

Required if provider/banks includes paga

Example:

"jane@example.com"

bvn

string

Example:

"12345678901"

funding_limit

number

Example:

100000

provider

enum<string>

default:paga

Available options:

paga,

palmpay

banks

enum<string>[]

Available options:

paga,

palmpay

Example:

["paga", "palmpay"]

Response

Created

message

string

customer_name

string

accounts

object[]

Show child attributes

errors

object[]

Show child attributes

Get Started

SDKs & Libraries

API Reference

Changelog

Multi-Provider Requests

Authorizations

Body

Response