Accounts Events
| Event Name | Event Type | Description | |
|---|---|---|---|
| Account Credit Successful | account_credit_successful | Occurs when a credit is made successfully to your main wallet, sub wallet or virtual account. | |
| Account Debit Successful | account_debit_successful | Occurs when money is debited or disbursed successfully from your balances. |
Payload Example Structure
Account Credit Successful for Main Wallets
{
"event": "account_credit_successful",
"data": {
"id": "294b7632-08c2-41de-8728-d52ac3bf51bf",
"account": {
"id": "04a6031a-ada4-4d25-9e49-1a9648f3fc17",
"account_number": "4576690890",
"account_name": "Main NGN Account"
},
"merchant_id": "2br9bffb-a498-497c-9cfa-fd0412aa8978",
"reference": "API-VACT_TRA-30D70-8340643d-f26e-4650-92d0-1dc28ea01a35",
"spotflow_reference": "SPF-CRDT-02374ba82fdd4efd875982d9f36f00f6",
"amount": 100,
"fee": 0,
"currency": "NGN",
"type": "credit",
"status": "successful",
"source": "virtual_account",
"description": "Transfer from AMY JAMES",
"sender": {
"account_name": "AMY JAMES",
"account_number": "8083299876",
"bank_name": "Paycom (Opay)"
},
"mode": "live",
"transaction_date": "2025-10-28T20:35:42Z"
}
}
Account Credit Successful for Sub Wallets
{
"event": "account_credit_successful",
"data": {
"id": "9a4587ad-da36-4e09-ba8c-eed769da48db",
"account": {
"id": "e49a1ac2-4e32-4f5d-a41c-bc4d983e5e9a",
"account_number": "1370758907",
"account_name": "Kelly Jones"
},
"merchant_id": "2br9bffb-a498-497c-9cfa-fd0412aa0410",
"reference": "API-VACT_TRA-30D70-bb882eaa-4850-4fb0-863b-c0f9775f65bb",
"spotflow_reference": "SPF-CRDT-af3c78785aa34cd9bff539576e76b75d",
"amount": 100,
"fee": 0,
"currency": "NGN",
"type": "credit",
"status": "successful",
"source": "virtual_account",
"description": "Transfer from AMY JAMES",
"sender": {
"account_name": "AMY JAMES",
"account_number": "8083299876",
"bank_name": "Paycom (Opay)"
},
"mode": "live",
"transaction_date": "2025-10-28T20:43:42Z"
}
}
Account Debit Successful from Main Wallet balances
{
"event": "account_debit_successful",
"data": {
"id": "6bca4872-546c-4755-b27f-8338baae5fe3",
"account": {
"id": "04a6031a-ada4-4d25-9e49-1a9648f3fc17",
"account_number": "4576690890",
"account_name": "Main NGN Account"
},
"merchant_id": "2br9bffb-a498-497c-9cfa-fd0412aa8978",
"reference": "SPF-MHB1NQRN-84326FC1-AC66-4E36-9",
"spotflow_reference": "SPF-TRSF-f804244ea942479194b1d48ef578b5cb",
"amount": 100,
"fee": 0,
"currency": "NGN",
"type": "debit",
"status": "successful",
"source": "transfer",
"description": "foodstuff",
"destination": {
"account_name": "AMY JAMES",
"account_number": "8083299876",
"bank_code": "SPB-73260",
"bank_name": "Paycom (Opay)"
},
"mode": "live",
"transaction_date": "2025-10-28T20:53:56.060729Z"
}
}