> ## Documentation Index > Fetch the complete documentation index at: https://docs.platnova.com/llms.txt > Use this file to discover all available pages before exploring further. # Generate Dynamic Virtual Account > Generate a dynamic, single-use virtual account for a customer with a fixed amount and configurable expiry. The account automatically expires after the specified lifespan and can only receive a payment matching the exact amount. ## 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. ## OpenAPI ````yaml POST /v1/virtual-accounts/dynamic openapi: 3.1.0 info: title: API version: 1.0.0 description: >- Platnova's Business API allows businesses to issue virtual accounts and cards to their employees, vendors, or retail customers. It allows businesses to streamline the process of issuing cards, manage spending, and track transactions. The API documentation provides information on how to integrate our virtual card issuing system into a business's existing systems and outlines the features and functionalities of the API, including card and account creation, management, and reporting. It also provides technical specifications, such as API requests, responses, and authentication processes. The API documentation is intended for developers and IT teams to use in order to effectively implement Platnova solutions into their business processes. # Authentication/Authorization To access any of the resources on the `{BaseUrl}/v1/`, the client has to pass pre-defined headers for authentication and authorization. The API is secure and only authorized clients can consume the service. There are API keys assigned to every business and JWT tokens assigned to every account for authentication/authorization. ## Bearer Token Requests may accept jwt tokens as below. ``` json Authorization: Bearer ``` ## API Key Requests may acccept an api key either in the request headers or as a query parameter. Some requests cannot be authorized using an API key. ``` json X-API-KEY: ``` OR ``` json ?api-key= ``` # Base URL [https://sandbox.api.platnova.co](https://sandbox.api.platnova.co) # Errors Unauthorized API key ``` json { "status": false, "data": {}, "error": [], "message": "unauthorized access" } ``` Permission Denied ``` json { "status": false, "data": {}, "error": [], "message": "unauthorized access: permission denied" } ``` servers: - url: https://api.platnova.com description: Production server - url: https://sandbox.api.platnova.co description: Development server security: - apiKeyAuth: [] tags: - name: Customer description: Create and manage customers - name: Virtual Account description: Create and manage virtual accounts - name: Card description: Create and manage cards - name: Wallet description: List and manage wallets - name: Payment description: Send and verify payments - name: Transaction description: List transactions and generate receipts - name: Checkout description: Create and retrieve checkout sessions - name: Payment Link description: Create and manage payment links - name: Invoice description: Create and manage invoices paths: /v1/virtual-accounts/dynamic: post: tags: - Virtual Account summary: Generate single-use virtual account description: >- Generate a dynamic, single-use virtual account for a customer with a fixed amount and configurable expiry. The account automatically expires after the specified lifespan and can only receive a payment matching the exact amount. operationId: createDynamicVirtualAccount requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateDynamicVirtualAccountRequest' example: customer_id: aad8aff0-00db-48b0-9bb0-9b399c313438 amount: 200 lifespan_minutes: 20 responses: '200': description: Dynamic virtual account created successfully content: application/json: schema: type: object properties: status: type: boolean data: type: object properties: account_name: type: string account_no: type: string amount: type: number currency: type: string bank_name: type: string reference: type: string email: type: string format: email expires_at: type: string format: date-time payment_session_id: type: string usage: type: string created_at: type: string format: date-time customer_id: type: string error: type: array items: {} message: type: string example: 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: emmrysjonathan@gmail.com 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 '400': description: Bad request (e.g. customer not found, invalid amount) content: application/json: schema: $ref: '#/components/schemas/Error' components: schemas: CreateDynamicVirtualAccountRequest: type: object required: - customer_id - amount - lifespan_minutes properties: customer_id: type: string description: Unique ID of the customer to generate the account for amount: type: number description: The exact amount the account will accept lifespan_minutes: type: integer description: How long the account remains active, in minutes Error: type: object properties: status: type: boolean data: type: object error: type: array items: {} message: type: string description: Error message securitySchemes: apiKeyAuth: type: apiKey in: header name: X-API-KEY description: API key for authentication. ````