Virtual Accounts

Give each customer their own dedicated bank account number. When they transfer to it, the payment lands in your balance with the payer already identified — no prompts, no redirects.

Great for top-ups

Virtual accounts shine for wallet top-ups, escrow-style flows and B2B invoicing, where the payer is already known and simply needs somewhere to send money from their banking app.

Create a virtual account

POST/api/v1/virtual-accounts

Issue a dedicated UMB virtual account for one of your customers.

Authenticates with your API keys.

Body parameters

Parameter		Description
`customerName`	required	stringLegal name of the customer who will own the account.
`customerPhone`	required	stringCustomer's phone number.
`ghanaCardNumber`	required	stringCustomer's Ghana Card number — required by the bank for account issuance.
`accountNickname`	optional	stringFriendly label to identify the account in your integration.
`masterAccountId`	optional	stringIssue under a specific master account; omit to use your default.

curl -X POST "https://api.namibrapay.com/api/v1/virtual-accounts" \
  -H "X-API-Key: pk_test_xxxxxxxxxxxxxxxx" \
  -H "X-API-Secret: sk_test_xxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "customerName": "Ama Mensah",
    "customerPhone": "+233241234567",
    "ghanaCardNumber": "GHA-712345678-0",
    "accountNickname": "wallet-topup-ama"
  }'

201

{
  "success": true,
  "data": {
    "id": "va_7fk21j9d",
    "accountNumber": "1020820171412",
    "bankName": "UMB Bank",
    "accountName": "AMA MENSAH",
    "nickname": "wallet-topup-ama",
    "status": "active"
  }
}

List virtual accounts

GET/api/v1/virtual-accounts

List every virtual account issued on your merchant account.

Authenticates with your API keys.

Sync a balance

POST/api/v1/virtual-accounts/{id}/sync-balance

Pull the latest balance from the provider rail for a specific virtual account.

Authenticates with your API keys.

curl -X POST "https://api.namibrapay.com/api/v1/virtual-accounts/va_7fk21j9d/sync-balance" \
  -H "X-API-Key: pk_test_xxxxxxxxxxxxxxxx" \
  -H "X-API-Secret: sk_test_xxxxxxxxxxxxxxxx"

Incoming transfers to the account are credited to your NamibraPay balance with the payer identified by the account — surface them in your own ledger by listening to the appropriate webhook events.