Virtual Accounts

Allocate persistent virtual accounts that receive multiple credits over time, each firing its own callback.

A virtual account is a persistent account you allocate for a customer. It receives multiple credits over time, and each credit fires its own signed callback to your service.

Allocate a virtual account

curl -X POST https://api.posteering.com/api/v1/bankrail/virtual-account \
  -H "Content-Type: application/json" \
  # ... HMAC signing headers ...
  -d '{
    "reference": "your-unique-ref",
    "currency": "NGN",
    "virtualAccountHolder": { "name": "Account Holder", "phone": "08012345678" },
    "callbackUrl": "https://your-service.example/webhooks/bankrail/credit",
    "purposeTag": "your_tag",
    "brrBearing": true
  }'

The account is created and bound to your reference. Each credit that lands on it fires a callback to callbackUrl. Set brrBearing to opt a fintech-class instrument into BRR — see BRR.

Callbacks — the signed notification you receive.
BRR — reconciling credits by reference.

Allocate a virtual account

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