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

Status	Description
`provisioning`	Created at the provider; awaiting activation webhook
`active`	Ready to receive funds
`failed`	Provisioning failed
`closed`	Deactivated

GETList virtual accounts

GET/v1/virtual_accounts

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

Query parameters

limitinteger

1-100, default 50.

starting_afterstring

Cursor.

currencystring

Filter to one currency.

statusstring

Filter — provisioning | active | failed | closed.

Request

curl 'https://api.swappr.me/api/v1/virtual_accounts?currency=NGN&status=active&limit=50' \
  -H "Authorization: Bearer sk_live_..."

const res = await fetch(
  'https://api.swappr.me/api/v1/virtual_accounts?currency=NGN&status=active&limit=50',
  {
    headers: { 'Authorization': `Bearer ${process.env.SWAPPR_API_KEY}` },
  },
);
const { data, has_more, next_cursor } = await res.json();

import os, requests
 
res = requests.get(
    'https://api.swappr.me/api/v1/virtual_accounts',
    params={'currency': 'NGN', 'status': 'active', 'limit': 50},
    headers={'Authorization': f"Bearer {os.environ['SWAPPR_API_KEY']}"},
)
res.raise_for_status()
body = res.json()
data, has_more, next_cursor = body['data'], body['has_more'], body.get('next_cursor')

Response

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

200 OK

GETRetrieve a virtual account

GET/v1/virtual_accounts/{id}

Returns the same virtual_account shape as the list endpoint.

Request

curl https://api.swappr.me/api/v1/virtual_accounts/ckva_xxx \
  -H "Authorization: Bearer sk_live_..."

const res = await fetch(
  `https://api.swappr.me/api/v1/virtual_accounts/${id}`,
  { headers: { 'Authorization': `Bearer ${process.env.SWAPPR_API_KEY}` } },
);
const va = await res.json();

import os, requests
 
res = requests.get(
    f'https://api.swappr.me/api/v1/virtual_accounts/{va_id}',
    headers={'Authorization': f"Bearer {os.environ['SWAPPR_API_KEY']}"},
)
res.raise_for_status()
va = res.json()

Response

{
  "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"
}

200 OK

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.

Customers Name enquiry