This endpoint is used to create a static virtual account, you will get a generated account when you make a request to this endpoint. This account will be attached a business or individual solely for transaction purposes.

To request for an account, make a POST request to the endpoint /v1/static-accounts. you will be required to pass the request parameters listed below.
firstName, lastName, phoneNumber,email and bvn.

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create virtual account request

Request
curl --request POST \
  --url https://adapter.cepta.co/api/v1/static-accounts \
  --header 'Authorization: <SECRET_KEY>' \
  --header 'Content-Type: application/json' \
  --data '
    {
        "firstName": "Coke",
        "lastName": "Smith",
        "phoneNumber": "08090485843",
        "email": "[email protected]",
        "bvn": ""
    }
  '
​
order
object
required

Account reference

​
amount
number
required

The payment amount to be paid by customer (must be greater than 0)

​
currency
string
required

The currency code (e.g., “USD”, “NGN”)

​
description
string
required

Description of the transaction

​
pageName
string
required

Name of the payment page

​
transactionReference
string
required

Unique identifier for the transaction

​
customerEmail
string
required

The customer email address.

​
customUrl
string

URL to redirect after payment

​
expiryDate
string (ISO 8601)
required

Expiry date for the payment link.

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Create virtual account response

An example response body of an account that is created successfully.

Success response
{
    "status": true,
    "message": "Successfully created virtual account",
    "data": {
        "firstName": "Coke",
        "lastName": "Smith",
        "phoneNumber": "08090485843",
        "email": "[email protected]",
        "accountNumber": "4051460587",
        "bankName": "Premium Trust Bank",
        "isActive": true,
        "createdAt": "2025-01-31T19:08:05.1263716Z"
    }
}

When you successfully created a virtual account, the response returned will include a data object that contains the generated accountNumber and bankName. The isActive property indicates if the account is active or expired.

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Handling Create virtual account response

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status
boolean

Indicates if the request was successful.

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message
string

Descriptive message about the request result.

​
data
object
​
firstName
string

Account holder first name.

​
lastName
string

Account holder last name.

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phoneNumber
string

Account holder phone number.

​
email
string

Account holder email address.

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accountNumber
string

Account holder generated account number.

​
bankName
string

The generated bank name.

​
isActive
boolean

Shows account is active or expired

​
createdAt
string (ISO 8601)
OverviewFetch all virtual accounts