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Single-use virtual accounts are ideal for checkout flows where you want to collect a specific amount from a specific payer. The account expires automatically once used or when the duration elapses.

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Endpoint

POST /clients/business/virtual-accounts/single-use

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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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refCode
string
required
A unique reference code from your system to identify this account and the corresponding transaction.
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amount
integer
required
The exact amount the account is configured to accept, in kobo. For example, 500000 equals ₦5,000.
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duration
integer
required
Time in seconds before the account expires. For example, 36000 for 10 hours.

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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 single-use 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.clientReference
string
The refCode you supplied, echoed back for confirmation.
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data.systemReference
string
A unique reference generated by Interstellas for this account.
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data.reservedAmount
integer
The amount reserved on this account, in kobo.
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data.expiresAt
string
ISO 8601 timestamp of when this account will expire.

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Code examples

curl -X POST https://sandbox.stellasbank.com/api/v1/clients/business/virtual-accounts/single-use \
  -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",
    "refCode": "order_12345",
    "amount": 500000,
    "duration": 36000
  }'

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Example response

{
  "status": true,
  "message": "Account generated successfully",
  "data": {
    "accountNumber": "9012345678",
    "accountName": "Ada Lovelace",
    "clientReference": "order_12345",
    "systemReference": "sys_ref_abc789",
    "reservedAmount": 500000,
    "expiresAt": "2024-06-10T10:00:00.000Z"
  }
}
All amounts are in kobo. Divide by 100 to convert to naira.