Create Virtual Account

Virtual accounts don't act as independent money storage - they simply channel incoming payments straight to your account. These accounts cannot process outgoing payments or be linked to payment terminals. Since virtual accounts do not serve as containers for funds, there's no need for BVN verification during setup.

This endpoint is used to create a virtual account to receive payments.

POST https://api.spotflow.co/api/v1/virtual-accounts/temporary

Headers

authorization String	Bearer SECRET_KEY Include your secret key in the request header as a Bearer token for authorization. Unauthorized requests will result in a 401 HTTP status code.
content-type String	application/json

Request Body Parameters

accountName Integer	Your desired naming for your account.
currency String	Note that currently, you can only create virtual accounts in NGN.
amount Integer	Amount should be in the subunit of our supported currency i.e NGN for now.
expiresIn String	This is optional to add. By default, the time it takes for a virtual account to expire is 30 mins. However, you can customize the time to lesser as you desire.

Sample Request Body:

{
"accountName": "Sinzu Money",
"currency": "NGN",
"amount": 1500,
"expiresIn": 10
}

Sample Response:

200 OK

{
 "id": "a57aa726-45d9-4870-b12d-f7fd82df5b2a",
 "accountNumber": "5590739654",
 "accountName": "SPOTFLOW/Sinzu Money",
 "bankName": "Jollof Bank",
 "mode": "test",
 "lifecycle": "temporary"
}

Configure Webhook URL:

Note that you should receive webhook and email notifications when a created virtual account is funded. Configure the endpoint in your system to receive payment status updates whenever a created virtual account is funded. Update and add your Webhook URL on the merchant dashboard. You can do this in Settings > API & Webhooks > URLs > Webhook URL.