> ## Documentation Index
> Fetch the complete documentation index at: https://docs.monirates.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Virtual One Time Account

> How to use the virtual one time account

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.

<Note>
  Virtual one-time accounts are limited to **NGN** only. You must have an existing NGN wallet before creating one.
</Note>

**Endpoint:** `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. |

```json theme={null}
{
  "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                |

<Warning>
  1. In sandbox, creating a virtual account with an amount greater than ₦10,000 will throw a validation error.
  2. In sandbox, the account generated is automatically funded.
  3. Fees may apply.
</Warning>