Generate virtual account

curl --request POST \
  --url https://staging.api.payluk.ng/v1/payment/virtual-account \
  --header 'Authorization: Bearer <token>' \
  --header 'customer-id: <customer-id>'

import requests

url = "https://staging.api.payluk.ng/v1/payment/virtual-account"

headers = {
    "customer-id": "<customer-id>",
    "Authorization": "Bearer <token>"
}

response = requests.post(url, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'customer-id': '<customer-id>', Authorization: 'Bearer <token>'}
};

fetch('https://staging.api.payluk.ng/v1/payment/virtual-account', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://staging.api.payluk.ng/v1/payment/virtual-account",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "customer-id: <customer-id>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://staging.api.payluk.ng/v1/payment/virtual-account"

	req, _ := http.NewRequest("POST", url, nil)

	req.Header.Add("customer-id", "<customer-id>")
	req.Header.Add("Authorization", "Bearer <token>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://staging.api.payluk.ng/v1/payment/virtual-account")
  .header("customer-id", "<customer-id>")
  .header("Authorization", "Bearer <token>")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://staging.api.payluk.ng/v1/payment/virtual-account")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["customer-id"] = '<customer-id>'
request["Authorization"] = 'Bearer <token>'

response = http.request(request)
puts response.read_body

{
  "status": 200,
  "message": "Virtual account generated successfully",
  "data": {
    "accountNumber": "9988776655",
    "bankCode": "wema-bank",
    "accountName": "PAYLUK / ADA EZE",
    "bank": "Wema Bank",
    "dedicated": true
  }
}

6. Fund it: Payments

Generate virtual account

Generates a virtual account for a merchant customer (merchant_user role only). Requires the customer-id header.

Virtual accounts are Nigerian-only; a customer whose country is not Nigeria cannot generate one (dedicated or temporary) and receives a 403.

For Nigerian customers, the kind of account depends on whether the customer has a BVN on file (set at customer creation):

Customer has a BVN → a dedicated, permanent account is issued via Paystack. The response sets dedicated: true and has no expiresIn.
Customer has no BVN → a temporary 24-hour account is issued via Safe Haven. The response sets dedicated: false and includes expiresIn.

POST

payment

virtual-account

Generate virtual account

curl --request POST \
  --url https://staging.api.payluk.ng/v1/payment/virtual-account \
  --header 'Authorization: Bearer <token>' \
  --header 'customer-id: <customer-id>'

import requests

url = "https://staging.api.payluk.ng/v1/payment/virtual-account"

headers = {
    "customer-id": "<customer-id>",
    "Authorization": "Bearer <token>"
}

response = requests.post(url, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'customer-id': '<customer-id>', Authorization: 'Bearer <token>'}
};

fetch('https://staging.api.payluk.ng/v1/payment/virtual-account', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://staging.api.payluk.ng/v1/payment/virtual-account",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "customer-id: <customer-id>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://staging.api.payluk.ng/v1/payment/virtual-account"

	req, _ := http.NewRequest("POST", url, nil)

	req.Header.Add("customer-id", "<customer-id>")
	req.Header.Add("Authorization", "Bearer <token>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://staging.api.payluk.ng/v1/payment/virtual-account")
  .header("customer-id", "<customer-id>")
  .header("Authorization", "Bearer <token>")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://staging.api.payluk.ng/v1/payment/virtual-account")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["customer-id"] = '<customer-id>'
request["Authorization"] = 'Bearer <token>'

response = http.request(request)
puts response.read_body

{
  "status": 200,
  "message": "Virtual account generated successfully",
  "data": {
    "accountNumber": "9988776655",
    "bankCode": "wema-bank",
    "accountName": "PAYLUK / ADA EZE",
    "bank": "Wema Bank",
    "dedicated": true
  }
}

Authorizations

Authorization

string

header

required

Your secret key as a Bearer token. The key prefix selects the environment: sk_test_... (test) or sk_live_... (live).

Headers

customer-id

string

required

The merchant customer this request acts on behalf of.

Response

Virtual account generated. Dedicated (BVN on file) or temporary (no BVN).

1. Onboard customers

2. Catalog (optional)

3. Create the deal: Escrow

4. Create the deal: Milestone Escrow

5. Stake & resolve: Vault Escrow

6. Fund it: Payments

7. Release & resolve: Disputes

Other: Debit Cards

Other: Crypto Whitelist

Other: Misc

Generate virtual account

Authorizations

Headers

Response