> For the complete documentation index, see [llms.txt](https://developers.klasha.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.klasha.com/~/revisions/LgPYv1wt83TA5LzyGVuI/bank-account-collection/virtual-account-creation.md).
# Virtual Account Creation
## Summary
Create Virtual Accounts on demand, receive funds from customers via these accounts and get notification on its usage.
Dedicated Virtual Accounts (DVAs) is a service that lets you create nigerian virtual accounts for your customers. These accounts allow your customers to receive payment from their customers.
When you create a Dedicated Virtual Account (DVA) for a customer, all bank transfers to that account will automatically be recorded as transactions from that customer.
### Coverage
| Country | currency |
| ------- | -------- |
| Nigeria | NGN |
#### Integration steps
You can generate a VA and start receiving money in 3 easy steps:
1. Prepare and encrypt the payload (fields include: first name, last name, currency and email)
2. Initiate VA creation
3. Get instant response
***
{% hint style="info" %}
### Before you begin!
* [Link](https://api.postman.com/collections/8963555-100bce95-af05-4af3-8ff6-797f50c99492?access_key=PMAT-01H5J5C8851FV7P97X9BYC19ZE) to the Postman collection
* Find your keys on the Klasha Dashboard → Settings → Generate API Keys ([here](https://dashboard.klasha.com/settings/keys))
* Klasha Dashboard, Generate API Keys page
{% endhint %}
{% content-ref url="/pages/p15ikIRu4qZuG2xRX2op" %}
[Token Generation](/~/revisions/LgPYv1wt83TA5LzyGVuI/overview/token-generation.md)
{% endcontent-ref %}
## Create a virtual account
> **POST** {{env\_url}}/wallet/virtual/v3/business/create/account
Encrypt the plain request body using the encryption algorithm specified [here](https://developers.klasha.com/accepting-payments/payments-api#java). Set the encrypted data to the message as shown below. You are required to set the x-auth-token and Authorization in the headers.
#### Headers
| Key | Value |
| ------------- | ------------------------ |
| x-auth-token | Your merchant public key |
| Authorization | Bearer \ |
#### Request Body to be encrypted (plain)
{% tabs %}
{% tab title="NGN (Individual)" %}
```json
{
"firstName": "John",
"lastName": "Doe",
"currency": "NGN",
"email": "test@klasha.com"
}
```
{% endtab %}
{% tab title="NGN (Business)" %}
```json
{
"currency": "NGN"
"email": "test@klasha.com"
}
```
{% endtab %}
{% endtabs %}
| Name | Type | Description |
| ------------------------------------------- | ------ | ------------------------------------------------------- |
| firstName\* | String | account first name |
| lastName\* | String | account last name |
| currency\* | String | Must be one of the supported currencies in the Coverage |
| email\* | String | email to be linked to the VA |
#### **Final Request Body (encrypted)**
```json
{
"message": "encrypted-message"
}
```
**NB**: The encrypted payload must be used with the create virtual account endpoint as seen above.
#### Response
When you create a Virtual Account (VA), please allow a few seconds for processing. The accountName will be the first and last name for a personal account, or the business name for a corporate account. Below are some sample responses you can expect.
{% tabs %}
{% tab title="200: OK (NGN) " %}
```json
{
"id": 645,
"walletId": null,
"accountNumber": "8571529225",
"bankName": "WEMA BANK",
"orderRef": "7uIyXachQYC9hcTpgWOZ",
"txRef": "klasha-virtual-account-banktransfer-Business owner-133",
"flwRef": "URF_vK8el9541NEy0j66imFD",
"currency": "NGN",
"userId": null,
"businessId": 133,
"bankCode": null,
"enabled": true,
"accountName": "Business owner",
"email": "test@klasha.com",
"profileHash": null,
"blockReason": null,
"createdAt": "2025-09-29 13:32:59",
"updatedAt": "2025-09-29 13:32:59"
}
```
{% endtab %}
{% tab title="400: Bad Request " %}
```json
{
"message": "There is no identity available for this bvn.",
"error": "Operation not allowed"
}
```
{% endtab %}
{% tab title="400: Bad Request " %}
```json
{
"message": "Bvn name mismatch.",
"error": "Operation not allowed"
}
```
{% endtab %}
{% endtabs %}
## Requery VA
> **GET** `{{env_url}}``/wallet/virtual/v2/account/``{{email}}`
In case of network downtime or failures during VA creation, the virtual account can be re-queried with the user’s email. This can be fetched using the email specified during the initial VA creation.
#### Headers
| Key | Value |
| ------------- | -------------------- |
| Authorization | Bearer \ |
{% tabs %}
{% tab title="200: OK " %}
```json
[
{
"accountNumber": "8573777620",
"bankName": "WEMA BANK",
"orderRef": "HsKRPDlemp7XBKvgO1HE",
"txRef": "klasha-fund-wallet-banktransfer-steph-AJDcN6app",
"flwRef": "URF_1Qw8TF2ZN1KkIdsqyHYI",
"businessId": 5,
"enabled": true,
"accountName": "Forrest Green",
"email": "test@klasha.com",
"createdAt": "2023-07-04 17:02:59",
"updatedAt": "2023-07-04 17:02:59"
}
]
```
{% endtab %}
{% endtabs %}
Transaction Webhook
When payments are received from your users, we would send a webhook with the details of the transaction to your callback URL.
```json
{
"data": {
"createdAt": "2023-07-14T19:28:18.585",
"narration": "Bank Transfer",
"destinationCurrency": "NGN",
"sourceAmount": 2000,
"sourceCurrency": "NGN",
"virtualAccount":"0987654321",
"tnxRef": "reference_322123243",
"status": "successful",
"destinationAmount": 2000,
"originatorAccountName":"Stephen Oj",
"bankName": "Access Bank",
"originatorAccountNumber":"1234456211",
"customer": {
"id": 53603,
"name": "Last Name",
"email": "test@steph.com",
"phone": null,
"createdAt": "2023-07-04 20:11:05",
"updatedAt": "2023-07-04 20:11:05"
}
},
"event": "charge.completed"
}
```
## Polling transaction status
> **POST** `{{env_url}}/nucleus/tnx/collection/status`
To know the status of a transaction, you can fetch the transaction using the Transaction Status API on the Postman collection. Make use of the session id received from the bank. See an example below:
#### Request Body
| Name | Type | Description |
| ----------------------------------------- | ------ | ---------------------------------------------------------------- |
| gateRef\* | String | session id received from the bank (e.g. 10043509483902847574822) |
{% tabs %}
{% tab title="200: OK " %}
```json
{
"destinationCurrency": "NGN",
"sourceAmount": 2500.000000,
"sourceCurrency": "NGN",
"status": "successful",
"destinationAmount": 2500.000000,
"customer": {
"id": 53603,
"name": "Last Name",
"email": "test@steph.com",
"phone": null,
"createdAt": "2023-07-04 20:11:05",
"updatedAt": "2023-07-04 20:11:05"
}
}
```
{% endtab %}
{% endtabs %}