curl --request POST \
--url https://api.nomba.com/v1/accounts/virtual \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--header 'accountId: <accountid>' \
--data '
{
"accountRef": "1oWbJQQHLyQqqf1SwxjSpudeA21",
"accountName": "Daniel Scorsese",
"bvn": "12345678",
"expiryDate": "2026-01-30 12:15:00",
"expectedAmount": "200.00"
}
'import requests
url = "https://api.nomba.com/v1/accounts/virtual"
payload = {
"accountRef": "1oWbJQQHLyQqqf1SwxjSpudeA21",
"accountName": "Daniel Scorsese",
"bvn": "12345678",
"expiryDate": "2026-01-30 12:15:00",
"expectedAmount": "200.00"
}
headers = {
"accountId": "<accountid>",
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
accountId: '<accountid>',
Authorization: 'Bearer <token>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
accountRef: '1oWbJQQHLyQqqf1SwxjSpudeA21',
accountName: 'Daniel Scorsese',
bvn: '12345678',
expiryDate: '2026-01-30 12:15:00',
expectedAmount: '200.00'
})
};
fetch('https://api.nomba.com/v1/accounts/virtual', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.nomba.com/v1/accounts/virtual",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'accountRef' => '1oWbJQQHLyQqqf1SwxjSpudeA21',
'accountName' => 'Daniel Scorsese',
'bvn' => '12345678',
'expiryDate' => '2026-01-30 12:15:00',
'expectedAmount' => '200.00'
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json",
"accountId: <accountid>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.nomba.com/v1/accounts/virtual"
payload := strings.NewReader("{\n \"accountRef\": \"1oWbJQQHLyQqqf1SwxjSpudeA21\",\n \"accountName\": \"Daniel Scorsese\",\n \"bvn\": \"12345678\",\n \"expiryDate\": \"2026-01-30 12:15:00\",\n \"expectedAmount\": \"200.00\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("accountId", "<accountid>")
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.nomba.com/v1/accounts/virtual")
.header("accountId", "<accountid>")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"accountRef\": \"1oWbJQQHLyQqqf1SwxjSpudeA21\",\n \"accountName\": \"Daniel Scorsese\",\n \"bvn\": \"12345678\",\n \"expiryDate\": \"2026-01-30 12:15:00\",\n \"expectedAmount\": \"200.00\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.nomba.com/v1/accounts/virtual")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["accountId"] = '<accountid>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"accountRef\": \"1oWbJQQHLyQqqf1SwxjSpudeA21\",\n \"accountName\": \"Daniel Scorsese\",\n \"bvn\": \"12345678\",\n \"expiryDate\": \"2026-01-30 12:15:00\",\n \"expectedAmount\": \"200.00\"\n}"
response = http.request(request)
puts response.read_body{
"code": "00",
"description": "Success",
"data": {
"createdAt": "2023-09-04T07:09:06.900Z",
"accountHolderId": "01a10aeb-d989-460a-bbde-9842f2b4320f",
"accountRef": "1oWbJQQHLyQqqf1SwxjSpudeA21",
"bvn": "12234412345",
"accountName": "Daniel Scorsese",
"currency": "NGN",
"bankName": "Nombank MFB",
"bankAccountNumber": "9391076543",
"bankAccountName": "Nomba/Ifeoluwa Adeboye",
"callbackUrl": "https://webhook.site/98ef100f-5adc-4434-800a-0808h60bd8d7",
"expired": true
}
}{
"code": "400",
"description": "Request failed."
}{
"code": "401",
"description": "Unauthorized"
}{
"code": "403",
"description": "Forbidden"
}{
"code": "404",
"description": "Record not found"
}{
"code": "429",
"description": "Too many requests"
}{
"code": "500",
"description": "Server error"
}Create virtual account
You can use this endpoint to create a virtual account to receive payments.
curl --request POST \
--url https://api.nomba.com/v1/accounts/virtual \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--header 'accountId: <accountid>' \
--data '
{
"accountRef": "1oWbJQQHLyQqqf1SwxjSpudeA21",
"accountName": "Daniel Scorsese",
"bvn": "12345678",
"expiryDate": "2026-01-30 12:15:00",
"expectedAmount": "200.00"
}
'import requests
url = "https://api.nomba.com/v1/accounts/virtual"
payload = {
"accountRef": "1oWbJQQHLyQqqf1SwxjSpudeA21",
"accountName": "Daniel Scorsese",
"bvn": "12345678",
"expiryDate": "2026-01-30 12:15:00",
"expectedAmount": "200.00"
}
headers = {
"accountId": "<accountid>",
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
accountId: '<accountid>',
Authorization: 'Bearer <token>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
accountRef: '1oWbJQQHLyQqqf1SwxjSpudeA21',
accountName: 'Daniel Scorsese',
bvn: '12345678',
expiryDate: '2026-01-30 12:15:00',
expectedAmount: '200.00'
})
};
fetch('https://api.nomba.com/v1/accounts/virtual', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.nomba.com/v1/accounts/virtual",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'accountRef' => '1oWbJQQHLyQqqf1SwxjSpudeA21',
'accountName' => 'Daniel Scorsese',
'bvn' => '12345678',
'expiryDate' => '2026-01-30 12:15:00',
'expectedAmount' => '200.00'
]),
CURLOPT_HTTPHEADER => [
"Authorization: Bearer <token>",
"Content-Type: application/json",
"accountId: <accountid>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.nomba.com/v1/accounts/virtual"
payload := strings.NewReader("{\n \"accountRef\": \"1oWbJQQHLyQqqf1SwxjSpudeA21\",\n \"accountName\": \"Daniel Scorsese\",\n \"bvn\": \"12345678\",\n \"expiryDate\": \"2026-01-30 12:15:00\",\n \"expectedAmount\": \"200.00\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("accountId", "<accountid>")
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.nomba.com/v1/accounts/virtual")
.header("accountId", "<accountid>")
.header("Authorization", "Bearer <token>")
.header("Content-Type", "application/json")
.body("{\n \"accountRef\": \"1oWbJQQHLyQqqf1SwxjSpudeA21\",\n \"accountName\": \"Daniel Scorsese\",\n \"bvn\": \"12345678\",\n \"expiryDate\": \"2026-01-30 12:15:00\",\n \"expectedAmount\": \"200.00\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.nomba.com/v1/accounts/virtual")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["accountId"] = '<accountid>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"accountRef\": \"1oWbJQQHLyQqqf1SwxjSpudeA21\",\n \"accountName\": \"Daniel Scorsese\",\n \"bvn\": \"12345678\",\n \"expiryDate\": \"2026-01-30 12:15:00\",\n \"expectedAmount\": \"200.00\"\n}"
response = http.request(request)
puts response.read_body{
"code": "00",
"description": "Success",
"data": {
"createdAt": "2023-09-04T07:09:06.900Z",
"accountHolderId": "01a10aeb-d989-460a-bbde-9842f2b4320f",
"accountRef": "1oWbJQQHLyQqqf1SwxjSpudeA21",
"bvn": "12234412345",
"accountName": "Daniel Scorsese",
"currency": "NGN",
"bankName": "Nombank MFB",
"bankAccountNumber": "9391076543",
"bankAccountName": "Nomba/Ifeoluwa Adeboye",
"callbackUrl": "https://webhook.site/98ef100f-5adc-4434-800a-0808h60bd8d7",
"expired": true
}
}{
"code": "400",
"description": "Request failed."
}{
"code": "401",
"description": "Unauthorized"
}{
"code": "403",
"description": "Forbidden"
}{
"code": "404",
"description": "Record not found"
}{
"code": "429",
"description": "Too many requests"
}{
"code": "500",
"description": "Server error"
}Authorizations
Nomba authenticates API calls with OAuth2 HTTP bearer tokens. There are two methods of authentication; Client-Credentials method and PKCE (Proof Key for Code Exchange) method. In each of the methods, You will get an ACCESS_TOKEN. You need to use an "Authorization" HTTP header to provide your ACCESS_TOKEN. For example: Authorization: {ACCESS_TOKEN}.
Headers
The parent accountId of the business.
"890022ce-bae0-45c1-9b9d-ee7872e6ca27"
Body
The request payload required to create an account
Account reference
16 - 64"1oWbJQQHLyQqqf1SwxjSpudeA21"
Account holder's name
8 - 64"Daniel Scorsese"
Account holder's BVN. Optional.
"12345678"
Account expiry date. Optional. ⚠️Be careful with this.
"2026-01-30 12:15:00"
Amount the account can receive. Optional.
"200.00"