Create a virtual account for a customer. Kyshi uses the business virtual-account provider configured for the requested currency.

-H "x-api-key: your_secret_key"

POST {{host}}/v1/wallets

Request Body

Field	Data Type	Required	Description
customer	object	Yes	Customer details. Include at least `email`; `firstName`, `lastName`, and `phoneNumber` are recommended.
currency	string	Yes	Collection currency. Supported values: `NGN`, `KES`, `ZAR`, `GHS`, `XOF`, `USD`; availability depends on your enabled integrations.
accountType	string	Yes	`INDIVIDUAL` or `COOPERATE`. Defaults to `INDIVIDUAL`.
accountCategory	string	Yes	`VIRTUAL_ACCOUNT` for a temporary account or `DEDICATED_VIRTUAL_ACCOUNT` for a reusable account. Defaults to `VIRTUAL_ACCOUNT`.
bank	string	No	Provider value. Kyshi currently resolves this from your configured provider.
amount	number	No	Expected collection amount in major currency units. For temporary accounts, Kyshi can add customer-borne fees to the payable amount.
expiresAt	string	No	Expiry in minutes for temporary individual virtual accounts. Must be a numeric string between `30` and `4320` when supplied.

{
  "customer": {
    "email": "[email protected]",
    "firstName": "Ada",
    "lastName": "Okafor",
    "phoneNumber": "2348012345678"
  },
  "currency": "NGN",
  "accountType": "INDIVIDUAL",
  "accountCategory": "VIRTUAL_ACCOUNT",
  "amount": 5000,
  "expiresAt": "60"
}

{
  "status": true,
  "message": "Success",
  "code": 201,
  "data": {
    "id": "89d8f903-96f6-48df-af97-1f2b3bb64260",
    "accountNumber": "1234567890",
    "accountName": "KYSHI / ADA OKAFOR",
    "bankCode": "999999",
    "bankName": "Provider Bank",
    "balance": 5000,
    "accountCategory": "VIRTUAL_ACCOUNT",
    "accountType": "INDIVIDUAL",
    "reference": "VA_123456789",
    "expiresAt": "60",
    "isPermanent": false,
    "provider": "VFD",
    "mode": "live",
    "createdAt": "2026-05-20T10:15:00.000Z"
  }
}