Create Temporary Virtual Account

{
  "amount": 50000,
  "customer": {
    "name": "Ada Obi",
    "email": "ada@example.com"
  },
  "accountName": "Acme Checkout",
  "narration": "Order #1042"
}

curl -X POST "https://api.cngn.co/v1/api/virtual-account/temporary" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "content": "<base64 AES-256-CBC ciphertext of the plain body>",
    "iv": "<base64 16-byte IV>"
  }'

{
  "status": 200,
  "message": "Temporary virtual account created successfully",
  "data": {
    "reference": "DEP-8c1f2a9b",
    "paymentReference": "PAY-55aa66bb",
    "amount": 50000,
    "amountExpected": 50075,
    "fee": 70,
    "vat": 5,
    "currency": "NGN",
    "status": "pending",
    "narration": "Order #1042",
    "accountNumber": "8801234567",
    "accountName": "Acme Checkout",
    "bankName": "Wema Bank",
    "bankCode": "035",
    "expiresAt": "2026-07-22T18:45:00.000Z"
  }
}

{
  "status": 400,
  "message": "amount: Minimum amount is 100 NGN"
}

POST

api

virtual-account

temporary

{
  "amount": 50000,
  "customer": {
    "name": "Ada Obi",
    "email": "ada@example.com"
  },
  "accountName": "Acme Checkout",
  "narration": "Order #1042"
}

curl -X POST "https://api.cngn.co/v1/api/virtual-account/temporary" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "content": "<base64 AES-256-CBC ciphertext of the plain body>",
    "iv": "<base64 16-byte IV>"
  }'

{
  "status": 200,
  "message": "Temporary virtual account created successfully",
  "data": {
    "reference": "DEP-8c1f2a9b",
    "paymentReference": "PAY-55aa66bb",
    "amount": 50000,
    "amountExpected": 50075,
    "fee": 70,
    "vat": 5,
    "currency": "NGN",
    "status": "pending",
    "narration": "Order #1042",
    "accountNumber": "8801234567",
    "accountName": "Acme Checkout",
    "bankName": "Wema Bank",
    "bankCode": "035",
    "expiresAt": "2026-07-22T18:45:00.000Z"
  }
}

{
  "status": 400,
  "message": "amount: Minimum amount is 100 NGN"
}

Creates a short-lived virtual account tied to a specific expected amount, ideal for checkout flows where each customer payment needs its own account number. The account expires at expiresAt.

Requires the Fiat Deposit permission. The request body must be encrypted.

Body parameters (plain payload, pre-encryption)

number

required

Expected deposit amount in Naira. Minimum 100.

object

required

The paying customer.

Show properties

string

required

Customer email address.

string

Customer full name.

string

Custom display name for the account (3–50 characters).

string

Payment narration (max 100 characters).

Response (decrypted `data`)

string

Your deposit reference.

string

Provider payment reference.

number

Amount the customer should transfer.

number

Total expected including fees.

number

Processing fee.

number

VAT on the fee.

string

NGN.

string

Deposit status (e.g. pending).

string

Narration attached to the account.

string

Temporary NUBAN account number.

string

Account display name.

string

Bank hosting the account.

string

CBN bank code.

string

ISO 8601 expiry timestamp. Deposits after this time are not credited.

{
  "amount": 50000,
  "customer": {
    "name": "Ada Obi",
    "email": "ada@example.com"
  },
  "accountName": "Acme Checkout",
  "narration": "Order #1042"
}

curl -X POST "https://api.cngn.co/v1/api/virtual-account/temporary" \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "content": "<base64 AES-256-CBC ciphertext of the plain body>",
    "iv": "<base64 16-byte IV>"
  }'

{
  "status": 200,
  "message": "Temporary virtual account created successfully",
  "data": {
    "reference": "DEP-8c1f2a9b",
    "paymentReference": "PAY-55aa66bb",
    "amount": 50000,
    "amountExpected": 50075,
    "fee": 70,
    "vat": 5,
    "currency": "NGN",
    "status": "pending",
    "narration": "Order #1042",
    "accountNumber": "8801234567",
    "accountName": "Acme Checkout",
    "bankName": "Wema Bank",
    "bankCode": "035",
    "expiresAt": "2026-07-22T18:45:00.000Z"
  }
}

{
  "status": 400,
  "message": "amount: Minimum amount is 100 NGN"
}

Get Virtual Account Redeem Asset

Overview

Wallet

Deposits

Redemptions

On-Chain Transfers

Address Whitelisting

Body parameters (plain payload, pre-encryption)

Response (decrypted `data`)

​Body parameters (plain payload, pre-encryption)

​Response (decrypted data)

Body parameters (plain payload, pre-encryption)

Response (decrypted `data`)