✨Create Virtual Account

Post https://api.xixapay.com/api/v1/createVirtualAccount

Partners Bank Code.

Bank Code	Bank Name
20867	Palmpay
20987	KOLOMONI MFB
29007	Safehaven (Dynamic)

🔐 Request Header^s

{
  "Authorization": "Bearer YOUR_API_SECRET",
  "Content-Type": "application/json",
  "api-key": "YOUR_API_KEY"
}

📦 Request Body

You can provide customer details in two ways, depending on whether you already have a customer_id (an existing KYC-verified customer):

✅ Option 1: Using customer_id (for existing KYCed customers)

Field	Type	Required	Description
customer_id	string	✅	The unique customer identifier
bankCode	array	✅	List of partner bank codes
businessId	string	✅	Your registered business ID
accountType	string	✅	static or dynamic
amount	number	✅ if dynamic	Amount to be paid (for dynamic only)
externalReference	string	No	externalReference For dynamic account (Not required)
callbackUrl	string|url	No	callbackUrl for dynamic account (Not required)

➡️ Notes:

🔸 If accountType is dynamic, amount is required. 🔸 Do not include name, email, phoneNumber, id_type, or id_number.

Example:

{
  "customer_id": "cus_8ed239dks2s7",
  "bankCode": ["20867"],
  "businessId": "xixapay-business-id-123",
  "accountType": "dynamic",
  "amount": 1500
}

---

✅ Option 2: Using Raw Customer Data (for new or unverified customers)

Field	Type	Required	Description
email	string	✅	Customer email address
name	string	✅	Customer full name
phoneNumber	string	✅	Customer phone number
bankCode	array	✅	List of partner bank codes
businessId	string	✅	Your registered business ID
accountType	string	✅	static or dynamic
amount	number	✅ if dynamic	Amount to be paid (for dynamic only)
id_type	string	🔁	e.g., nin, bvn – required if static
id_number	string	🔁	The actual ID number – required if static

➡️ Notes:

• id_type and id_number are only required if accountType is set to static.

• For dynamic accounts, they are optional.

Example (Static Account):

{
  "email": "[email protected]",
  "name": "John Doe",
  "phoneNumber": "08123456789",
  "bankCode": ["20867"],
  "businessId": "xixapay-business-id-123",
  "accountType": "static",
  "id_type": "nin",
  "id_number": "12345678901"
}

Example (Dynamic Account without ID):

{
  "email": "[email protected]",
  "name": "Jane Doe",
  "phoneNumber": "08012345678",
  "bankCode": ["20867"],
  "businessId": "xixapay-business-id-123",
  "accountType": "dynamic",
  "amount": 5000
}

// response sample
{
    "status": "success",
    "message": "Customer account created successfully. Bank account(s) processed and ready for use.",
    "customer": {
        "customer_id": "fa6aa77cbc60ee04c67f5b7d56394733ed67b924",
        "customer_name": "a",
        "customer_email": "ad.com",
        "customer_phone_number": "07"
    },
    "business": {
        "business_name": "Av",
        "business_email": "a",
        "business_phone_number": "07018",
        "business_Id": null
    },
    "bankAccounts": [
        {
            "bankCode": "20867",
            "accountNumber": "6698059290",
            "accountName": "A(xixapay)",
            "bankName": "Palmpay",
            "accountTye": "static"
            "Reserved_Account_Id": "3a28cfe332ccf8596bd454584"
        },
    ],
}