Virtual Account

Create Individual Account

POST {{baseUrl}}/api/v2/client/wallet/individual/create

Sample Request & Fields Details

{
    "first_name": "Emeka",
    "last_name": "Okoro",
    "dob": "1979-08-12",
    "address": "75464 Lowell Lane",
    "gender": "Male", // Female
    "phone": "0911831****",
    "email": "emek*****@yopmail.com",
    "bvn": "280303*****"
}

Name	Type	Description
first_name	string	First name of the customer's account
last_name	string	Last name of the customer's account
dob	Date	Date of birth formatted in (yyyy-dd-mm)
address	string	Address of the customer's account
gender	number	Customer's gender (Male or Female)
phone	string	Customer's phone no
email	string	Customer's email address
bvn	string	Customer's valid BVN

Response

Ok (200)

{
    "message": "Account created successfully",
    "status": true,
    "status_code": 200,
    "data": {
        "account_name": "Paelyt - Emeka Okoro",
        "account_number": "001261****"
    }
}

Bad Request (409)

{
    "message": "An account already exists for this customer.",
    "status": false,
    "status_code": 409
}

Create Corporate Account

POST {{baseUrl}}/api/v2/client/wallet/corporate/create

Sample Request & Fields Details

{
    "rc_number": "7445**",
    "business_name": "Schoen, Beier and Predovic",
    "incorporation_date": "1979-08-12",
    "address": "7199 Emilio Islands",
    "phone": "0911831****",
    "email": "emek*****@yopmail.com",
    "bvn": "280303*****"
}

Name	Type	Description
rc_number	string	Business registration number (CAC)
business_name	string	Business registered name
incorporation_date	string	Business date of incorporation
address	string	Address of the customer's account
phone	number	Customer's phone no
email	string	Customer's email address
bvn	string	Customer's valid BVN

Response

Ok (200)

{
    "message": "Account created successfully",
    "status": true,
    "status_code": 200,
    "data": {
        "account_name": "Paelyt - Emeka Okoro",
        "account_number": "001261****"
    }
}

Bad Request (409)

{
    "message": "An account already exists for this customer.",
    "status": false,
    "status_code": 400
}

Account Details

GET {{baseUrl}}/api/v2/client/wallet?account_number=001261****

Name	Type	Description
account_number	string	virtual account number

Response

Ok (200)

{
    "data": [
        {
            "accountName": "Paelyt - Emeka Okoro",
            "accountNumber": "001261****",
            "globalAccountNumber": "9038299384-5",
            "accountBalance": 7895876.53,
            "availableBalance": 7895876.53
        }
    ],
    "message": "Success",
    "status": true,
    "status_code": 200
}

Bad Request (400)

{
    "message": "Invalid account, kindly check account number.",
    "status": false,
    "status_code": 400
}

Financial Institutions

GET {{baseUrl}}/api/v2/client/wallet/financial_institutions

Response

{
    "message": "Success",
    "status": true,
    "status_code": 200,
    "data": [
        {
            "bank_code": "999461",
            "bank_name": "Advancly MFB",
            "png_logo_url": null,
            "svg_logo_url": null
        },
        {
            "bank_code": "120001",
            "bank_name": "9 payment service Bank",
            "png_logo_url": null,
            "svg_logo_url": null
        },
        {
            "bank_code": "090270",
            "bank_name": "AB MICROFINANCE BANK",
            "png_logo_url": null,
            "svg_logo_url": null
        },
        {
            "bank_code": "070010",
            "bank_name": "ABBEY MORTGAGE BANK",
            "png_logo_url": "",
            "svg_logo_url": ""
        },
        {
            "bank_code": "090260",
            "bank_name": "ABOVE ONLY MICROFINANCE BANK",
            "png_logo_url": "",
            "svg_logo_url": ""
        },
        {
            "bank_code": "090197",
            "bank_name": "ABU MICROFINANCE BANK",
            "png_logo_url": null,
            "svg_logo_url": null
        }
    ]
}

Name Enquiry

GET {{baseUrl}}/api/v2/client/wallet/name_enquiry?account_number=9038299384&bank_code=999461

Query Parameters

Name	Type	Description
account_number	string	bank account number
bank_code	string	nibss bank code

Response

{
    "data": {
        "account_number": "9038299384",
        "account_name": "OLUWADAMILOLA OGUNLUSI",
        "kyc_tier": "3"
    },
    "message": "Success",
    "status": true,
    "status_code": 200
}

Transfer

POST {{baseUrl}}/api/v2/client/wallet/transfer

Sample Request & Fields Details

{
    "sender_account_number": "9038299384",
    "recipient_account_number": "7037662603",
    "recipient_account_name": "PAUL IKHIDE",
    "recipient_bank_code": "999461",
    "amount": 1200,
    "narration": "Glorious test battle",
    "reference": "Advancly-HAUUSIKSNJWUWJSN61728829289"
}

Name	Type	Description
sender_account_number	string	account number of the transfer initiator
recipient_account_number	string	account number of the transfer recipient
recipient_account_name	string	bank account name retrieved from a name inquiry
recipient_bank_code	string	NIBSS bank code of the receiving bank
amount	number	transfer amount
narration	string	transfer narration
reference	string	transaction reference, e.g., (Advancly-J178IND172891JAHSEE)

Response

Ok (200)

{
    "response_code": "00",
    "message": "Successful",
    "status": true,
    "status_code": 200,
    "data": {
        "currency": "NGN",
        "sender_account_name": "OLUWADAMILOLA OGUNLUSI",
        "sender_account_number": "9038299384",
        "sender_bank_code": "999461",
        "sender_bank_name": "Advancly MFB",
        "recipient_account_name": "PAUL IKHIDE",
        "recipient_account_number": "7037662603",
        "recipient_bank_code": "999461",
        "recipient_bank_name": "Advancly MFB",
        "transaction_id": "0",
        "transaction_reference": "Advancly-HAUUSIKSNJWUWJSN61728829289",
        "session_id": null,
        "narration": "Glorious test battle",
        "transaction_status": "Completed",
        "amount": 1200,
        "transaction_charge": 0,
        "transaction_message": "Success",
        "transaction_date": "2025-03-29T23:12:41.646117+01:00"
    }
}

Bad Request (400)

{
    "response_code": "99",
    "message": "Transfer limit exceeded the configured limit of 1000000.",
    "status": false,
    "status_code": 400
}

{
    "response_code": "A102",
    "message": "Duplicate Reference",
    "status": false,
    "status_code": 400
}

TSQ

GET {{baseUrl}}/api/v2/client/wallet/transaction/{transactionReference}

Response

Ok (200)

{
    "data": {
        "id": 6,
        "externalReferenceNumber": "Advancly-HAUUSIKSNJWUWJSN617288292814",
        "sessionId": null,
        "senderAccountName": "OLUWADAMILOLA OGUNLUSI",
        "senderAccountNumber": "9038299384",
        "senderBankCode": "999461",
        "senderBankName": "Advancly MFB",
        "recipientAccountName": "PAUL IKHIDE",
        "recipientAccountNumber": "7037662603",
        "recipientBankCode": "999461",
        "recipientBankName": "Advancly MFB",
        "amount": 1200.00,
        "feeCharge": 0.00,
        "narration": "Glorious test battle/Advancly-HAUUSIKSNJWUWJSN617288292814",
        "transactionStatus": "Completed", // Completed, Failed, Processing
        "transactionType": "Outward",
        "responseCode": "00",
        "responseMessage": "Success",
        "channelCode": 9,
        "transactionDate": "2025-04-09T14:59:08.992077",
        "createdDateTime": "2025-04-09T14:59:15.162074"
    },
    "message": "Success",
    "status": true,
    "status_code": 200
}

Bad Request (404)

{
    "message": "Record not found",
    "status": false,
    "status_code": 404
}

Transactions

GET {{baseUrl}}/api/v2/client/wallet/transactions?account_number=9038299384&start_date=2025-03-15&end_date=2025-03-21&page=1&page_size=10

Query Parameters

Name	Type	Description
account_number	string	account no
start_date	date (yyyy-mm-dd)	start date of the transaction
end_date	date (yyyy-mm-dd)	end date of the transaction
page	number	page number (default 1)
page_size	number	page size number (default 10)

Response

Ok (200)

{
    "page": 1,
    "pageSize": 10,
    "totalCount": 31,
    "totalPages": 4,
    "message": "Success",
    "status": true,
    "status_code": 200,
    "data": [
        {
            "accountNumber": "9038299384",
            "transactionAmount": 980.000000,
            "balance": 8972888.531765,
            "transactionDate": "2025-03-19T00:00:00",
            "createdDate": "2025-03-19T08:12:33.956629",
            "transactionType": "DEBIT",
            "narration": "Glorious test battle",
            "clientId": 31,
            "currencyCode": "NGN",
            "senderDetails": {
                "name": "OLUWADAMILOLA OGUNLUSI",
                "bankName": "Advancly MFB",
                "accountNumber": "9038299384"
            },
            "receiverDetails": {
                "name": "PAUL IKHIDE",
                "bankName": "Advancly MFB",
                "accountNumber": "7037662603"
            },
            "sessionId": null
        },
        {
            "accountNumber": "9038299384",
            "transactionAmount": 1200.000000,
            "balance": 8971688.531765,
            "transactionDate": "2025-03-19T00:00:00",
            "createdDate": "2025-03-19T08:14:28.131603",
            "transactionType": "DEBIT",
            "narration": "Glorious test battle",
            "clientId": 31,
            "currencyCode": "NGN",
            "senderDetails": {
                "name": "OLUWADAMILOLA OGUNLUSI",
                "bankName": "Advancly MFB",
                "accountNumber": "9038299384"
            },
            "receiverDetails": {
                "name": "PAUL IKHIDE",
                "bankName": "Advancly MFB",
                "accountNumber": "7037662603"
            },
            "sessionId": null
        },
        {
            "accountNumber": "9038299384",
            "transactionAmount": 580.000000,
            "balance": 8971108.531765,
            "transactionDate": "2025-03-19T00:00:00",
            "createdDate": "2025-03-19T08:17:50.657354",
            "transactionType": "DEBIT",
            "narration": "Glorious test battle",
            "clientId": 31,
            "currencyCode": "NGN",
            "senderDetails": {
                "name": "OLUWADAMILOLA OGUNLUSI",
                "bankName": "Advancly MFB",
                "accountNumber": "9038299384"
            },
            "receiverDetails": {
                "name": "PAUL IKHIDE",
                "bankName": "Advancly MFB",
                "accountNumber": "7037662603"
            },
            "sessionId": null
        }
    ]
}

---

Transaction Response Codes

Code	Description	Category
00	Approved or Completed Successfully	Successful
06	Dormant Account	Failed
07	Invalid Account	Failed
13	Invalid Amount	Failed
26	Duplicate Record	Failed
51	Insufficient Funds	Failed
61	Transfer Limit Exceeded	Failed
99	Transaction Failed	Failed
A100	Transfer to The Same Account	Failed
A101	Insufficient Bbalance	Failed
A102	Duplicate Reference	Failed
A500	Internal Server Error	Failed

Interbank Test Accounts (Dev)

Bank Code	Account No	Account Name	KYC Level	BVN
000014	9986840979	Waller Livingston	1	537595960283
000014	1471023622	Moon Sanchez	3	660477154602
000016	3811637086	Earline Mills	3	853119474502
000014	2359862016	Hart Snider	3	547014819401
000016	9914872061	Durham Reese	2	908631517477
000001	1091016606	Kari Sargent	3	115427203295
000014	9389590545	Ola Murphy	3	312583939236
000015	1830956253	Rojas Adams	3	429149041264
000015	5942277535	Melva Mueller	1	950918423663
000013	9728072421	Felecia Lester	1	506874908045