A virtual one-time account is another way to collect NGN from users. Each account is generated on demand, valid for a limited duration, and tied to a specific amount.
Virtual one-time accounts are limited to NGN only. You must have an existing NGN wallet before creating one.
POST /transaction/collection/virtual-account
Request Body
| Field | Required | Description |
|---|
amount | Yes | The amount to be collected in NGN. |
validFor | No | Duration in seconds the virtual account remains valid (e.g. 3600 for 1 hour). Defaults to 15 minutes if not provided. |
{
"amount": 5000,
"validFor": 3600
}
Sandbox vs. Production
| Sandbox | Production |
|---|
| Funding | Account is automatically funded on creation | You fund the account yourself |
| Amount limit | Maximum of ₦10,000 per virtual account | No restriction |
- In sandbox, creating a virtual account with an amount greater than ₦10,000 will throw a validation error.
- Fees may apply.
