Virtual accounts

Funding accounts merchants receive money into. Read-only on the public API — provisioning new merchant-level VAs is admin-only.

If your business model requires per-end-user VIBANs (one virtual IBAN per app user, common in remittance + e-wallet apps), additional capabilities can be enabled on your account. Contact support@the-technest.com for details.

The virtual_account object

{
  "object": "virtual_account",
  "id": "ckva_xxxxxxxxxxxx",
  "currency": "NGN",
  "env": "live",
  "status": "active",
  "account_number": "8001234567",
  "account_name": "TECHNEST/MERCHANT NAME",
  "bank_name": "Wema Bank",
  "bank_code": "035",
  "provider": "<provider_slug>",
  "provider_ref": "<provider_ref>",
  "is_visible_to_merchant": true,
  "created_at": "2026-01-15T10:00:00Z"
}

Status values

List virtual accounts

GET /v1/virtual_accounts

Returns merchant-level VAs. Per-customer VIBANs are excluded — query /v1/customers/{id}/virtual_accounts instead.

Query params

Response

Standard cursor-paginated list:

{
  "object": "list",
  "has_more": false,
  "data": [
    { "object": "virtual_account", "id": "...", ... },
    ...
  ]
}

Provisioning

Provisioning new merchant-level VAs (the funding accounts you receive money into) is admin-only — Technest support assigns providers + provisions the accounts. Contact support@the-technest.com if you need an additional VA bank.