NGN virtual accounts (Nigeria)


Country	Nigeria
Payment rail	Nigerian bank account (NUBAN)
Account types	dedicated, dynamic
Customers	Individuals and businesses
When it is ready	Ready immediately. The create call returns the account number.

1. Check availability

Ask what NGN needs for your account. The answer lists the required fields per customer type and account type.

curl "https://pay-api.pagoramp.com/api/v1/virtual-accounts/availability?currency=NGN" \
  -H "x-api-key: YOUR_API_KEY"

2. Create the customer

Required for an individual: firstname, lastname, email, identification.type, identification.number. See Virtual account requirements for every combination.

curl -X POST https://pay-api.pagoramp.com/api/v1/customers \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"firstname":"Ada","lastname":"Okafor","email":"[email protected]","identification":{"type":"BVN","number":"12345678901"}}'

The customer is created with kycStatus incomplete or pending. Anything missing for NGN can be added later with PATCH /customers/{uuid} before you request the account.

3. Request the account

curl -X POST https://pay-api.pagoramp.com/api/v1/virtual-accounts \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"customerId":"224ca5c5-f2a6-419b-bf36-73997434d945","currency":"NGN","type":"dedicated","reference":"va_1001"}'

You must have a webhook secret set up first, or the request returns 400 with webhook_secret_required. The response depends on the currency. For NGN, expect active: active: Ready. Show the bank details to your payer.

{
  "status": "success",
  "message": "Virtual account created successfully",
  "data": {
    "uuid": "9a1c1c52-7b8e-4a52-9f0e-3e6b0a8d6c11",
    "reference": "va_1001",
    "status": "active",
    "currency": "NGN",
    "type": "dedicated",
    "bankDetails": {
      "rail": "nuban",
      "accountName": "ACME PAY / ADA OKAFOR",
      "accountNumber": "0123456789",
      "bankName": "Wema Bank",
      "bankCode": "035"
    },
    "customer": {
      "uuid": "224ca5c5-f2a6-419b-bf36-73997434d945",
      "email": "[email protected]"
    },
    "expectedAmount": null,
    "expiresAt": null,
    "nextStep": null,
    "statusReason": null,
    "metadata": {
      "orderId": "12345"
    },
    "createdAt": "2026-10-16T09:31:00.000Z"
  }
}

If the request is rejected straight away you get 422 with the reason in errors[0].reason and no account is created. If it is rejected later you receive virtual_account.failed with a reason. See Webhooks.

4. Show the details to your payer

Show these fields from bankDetails:

Label	Field
Account name	`accountName`
Account number	`accountNumber`
Bank	`bankName`

How your payer sends the money:

Open any Nigerian banking app or dial the bank USSD code.
Send a transfer to the account number shown, in naira.
The payment is credited to you as soon as the bank confirms it.

5. Receive the payment

When the payment arrives you receive virtual_account.payment.received. Amounts are decimal strings in NGN; destinationAmount is in USD, after any fees.

{
  "event": "virtual_account.payment.received",
  "data": {
    "transaction": {
      "reference": "va-17912345678901234",
      "status": "Success",
      "sourceAmount": "50000.00",
      "sourceCurrency": "NGN",
      "destinationAmount": "36.85",
      "destinationCurrency": "USD",
      "fees": {
        "sourceTotalFee": "0.00"
      }
    },
    "virtualAccount": {
      "uuid": "9a1c1c52-7b8e-4a52-9f0e-3e6b0a8d6c11",
      "reference": "va_1001",
      "currency": "NGN",
      "type": "dedicated"
    },
    "customer": {
      "uuid": "224ca5c5-f2a6-419b-bf36-73997434d945",
      "email": "[email protected]",
      "externalReference": null
    },
    "sender": {
      "name": "ADA OKAFOR",
      "bank": "GTBank",
      "accountNumber": "******6789"
    },
    "occurredAt": "2026-10-16T10:02:00.000Z"
  }
}

Verify the signature before you trust it, and use data.transaction.reference to ignore repeats. See Webhooks.

Things to handle

A BVN or NIN is checked when the account is issued, so it must be on the customer first. See Identification requirements.
Dedicated accounts are permanent. By default any amount from any sender is credited; Pagoramp can hold payments from senders whose name does not match the customer.
A payment can be held for review. You receive virtual_account.payment.manual_review with a review.reason, then received or rejected after a decision.
GET /virtual-accounts/{uuid} returns the current status at any time, and POST /virtual-accounts/{uuid}/deactivate stops the account accepting payments.

Get Started

Customers

Multi-currency Virtual Accounts

Webhooks

1. Check availability

2. Create the customer

3. Request the account

4. Show the details to your payer

5. Receive the payment

Things to handle

​1. Check availability

​2. Create the customer

​3. Request the account

​4. Show the details to your payer

​5. Receive the payment

​Things to handle

1. Check availability

2. Create the customer

3. Request the account

4. Show the details to your payer

5. Receive the payment

Things to handle