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POST
/
v1
/
virtual-accounts
/
dynamic
Generate single-use virtual account
curl --request POST \
  --url https://api.platnova.com/v1/virtual-accounts/dynamic \
  --header 'Content-Type: application/json' \
  --header 'X-API-KEY: <api-key>' \
  --data '
{
  "customer_id": "aad8aff0-00db-48b0-9bb0-9b399c313438",
  "amount": 200,
  "lifespan_minutes": 20
}
'
import requests

url = "https://api.platnova.com/v1/virtual-accounts/dynamic"

payload = {
"customer_id": "aad8aff0-00db-48b0-9bb0-9b399c313438",
"amount": 200,
"lifespan_minutes": 20
}
headers = {
"X-API-KEY": "<api-key>",
"Content-Type": "application/json"
}

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

print(response.text)
const options = {
method: 'POST',
headers: {'X-API-KEY': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
customer_id: 'aad8aff0-00db-48b0-9bb0-9b399c313438',
amount: 200,
lifespan_minutes: 20
})
};

fetch('https://api.platnova.com/v1/virtual-accounts/dynamic', 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://api.platnova.com/v1/virtual-accounts/dynamic",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'customer_id' => 'aad8aff0-00db-48b0-9bb0-9b399c313438',
'amount' => 200,
'lifespan_minutes' => 20
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-API-KEY: <api-key>"
],
]);

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

curl_close($curl);

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

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

func main() {

url := "https://api.platnova.com/v1/virtual-accounts/dynamic"

payload := strings.NewReader("{\n \"customer_id\": \"aad8aff0-00db-48b0-9bb0-9b399c313438\",\n \"amount\": 200,\n \"lifespan_minutes\": 20\n}")

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

req.Header.Add("X-API-KEY", "<api-key>")
req.Header.Add("Content-Type", "application/json")

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

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

fmt.Println(string(body))

}
HttpResponse<String> response = Unirest.post("https://api.platnova.com/v1/virtual-accounts/dynamic")
.header("X-API-KEY", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"customer_id\": \"aad8aff0-00db-48b0-9bb0-9b399c313438\",\n \"amount\": 200,\n \"lifespan_minutes\": 20\n}")
.asString();
require 'uri'
require 'net/http'

url = URI("https://api.platnova.com/v1/virtual-accounts/dynamic")

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

request = Net::HTTP::Post.new(url)
request["X-API-KEY"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"customer_id\": \"aad8aff0-00db-48b0-9bb0-9b399c313438\",\n \"amount\": 200,\n \"lifespan_minutes\": 20\n}"

response = http.request(request)
puts response.read_body
{
  "status": true,
  "data": {
    "account_name": "PLATNOVA TECHNOLOGIES LTD/PLATNOVA ",
    "account_no": "9000043059",
    "amount": 200,
    "currency": "ngn",
    "bank_name": "BEAMER (GABSYN) MICROFINANCE BANK",
    "reference": "BDEPSTbdpLERjSmvg2XbF9iTA0bXxrX8E88BOI",
    "email": "[email protected]",
    "expires_at": "2026-03-19T23:13:03.140476016Z",
    "payment_session_id": "",
    "usage": "integration",
    "created_at": "2026-03-19T22:53:03.140476016Z",
    "customer_id": "aad8aff0-00db-48b0-9bb0-9b399c313438"
  },
  "error": [],
  "message": "operation was successful"
}
{
"status": true,
"data": {},
"error": [
"<unknown>"
],
"message": "<string>"
}

Overview

Generate a dynamic, single-use virtual account for a customer with a fixed receivable amount and a configurable expiry window. The account is tied to an exact amount - it will only accept a payment matching that value - and automatically becomes inactive once the lifespan elapses or the payment is received. This is ideal for checkout flows, invoice payments, or any scenario where you need a guaranteed, one-time payment collection without reusing a permanent account.

Authorizations

X-API-KEY
string
header
required

API key for authentication.

Body

application/json
customer_id
string
required

Unique ID of the customer to generate the account for

amount
number
required

The exact amount the account will accept

lifespan_minutes
integer
required

How long the account remains active, in minutes

Response

Dynamic virtual account created successfully

status
boolean
data
object
error
any[]
message
string