Spotflow Static Virtual Accounts - Spotflow Documentation

Key Features

Feature	Details
Fund Storage	Static virtual accounts hold and maintain balances completely separate from your main account.
Unlimited Creation	You can create an unlimited number of static virtual accounts via API. Via UI, You’ll see this as the Virtual Accounts page.
Non-Expiring	Static virtual accounts do not expire, unlike Dynamic virtual accounts. They are permanent storage pockets.
Supported Currencies	Currently available only for NGN and GHS.
Independent Management	Each static virtual account operates with its own unique ID, balance, and transaction history.
Simplified Setup	No Bank Verification Number (BVN) submission is required for creation.

Prerequisites for Static virtual accounts Creation

Before you can create your first Static virtual account, your merchant account needs to be fully configured for merchant operations.

KYB Completion: Successfully complete your account signup and Know Your Business (KYB) onboarding.
Configuration Activation: Merchant configuration is NOT enabled by default. You must contact support at support@spotflow.one to explicitly request activation.
API Credentials: Ensure you have your SECRET_KEY from the merchant dashboard for authorization purposes.

API Operations

Action	Endpoint	Key Detail
Create Static virtual account	Static virtual account Creation API Endpoint	Specify parameters (name, currency). Returns a unique account identifier.
Fetch Static account Data	Fetch static virtual account by ID Endpoint	Retrieve individual account information and details.
View Static virtual account Balances	Fetch static virtual account Balances Endpoint	Access the account’s real-time balance and transaction history (also available on your Spotflow dashboard).
List All Account	List all static virtual account Endpoint	Retrieve all accounts associated with your main account. You can also use this to fetch details for your main account.

Webhook Notifications

You will receive webhook and email notifications when your account is credited.

Action Item: Ensure you configure your system to receive these payment status updates. Set or update your Webhook URL on the merchant dashboard under Settings → API & Webhooks → URLs.