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Multi-use virtual accounts can accept multiple incoming payments. Use them when you need a persistent collection account for a customer or use case.

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Endpoint

POST /clients/business/virtual-accounts

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Headers

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Authorization
string
required
Bearer YOUR_ACCESS_TOKEN
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SECRET_KEY
string
required
Your API secret key.
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businessId
string
required
Your business ID.

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Request body

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firstName
string
required
First name to assign to the virtual account holder.
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lastName
string
required
Last name to assign to the virtual account holder.
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type
string
required
Account duration type. Accepted values: "temporal" or "permanent".
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reference
string
required
A unique reference string you generate to identify this account in your system. Must be unique per account.

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Response

Returns 201 Created on success.
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status
boolean
true on success.
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message
string
Confirmation message, e.g. "Account generated successfully".
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data.accountNumber
string
The NUBAN account number generated for this virtual account.
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data.accountName
string
The name on the account, derived from the firstName and lastName provided.
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data.clientRef
string
The reference you supplied, echoed back for confirmation.
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data.systemRef
string
A unique reference generated by Interstellas for this account.

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Example response

{
  "status": true,
  "message": "Account generated successfully",
  "data": {
    "accountNumber": "9000081483",
    "accountName": "Tola Wuyi",
    "clientRef": "Bu90037366fcMn",
    "systemRef": "STL|jYcphJZcT73yjv"
  }
}

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Code examples

curl -X POST https://sandbox.stellasbank.com/api/v1/clients/business/virtual-accounts \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "SECRET_KEY: YOUR_SECRET_KEY" \
  -H "businessId: YOUR_BUSINESS_ID" \
  -H "Content-Type: application/json" \
  -d '{
    "firstName": "Ada",
    "lastName": "Lovelace",
    "type": "permanent",
    "reference": "ref_unique_001"
  }'