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Do we need to create a virtual bank account for each customer?

Yes. Every Virtual Bank Account must be linked to a verified customer. Each customer needs their own virtual account to ensure proper tracking of payments. You cannot create a Virtual Bank Account without providing a valid customer_id. NGN Virtual Bank Accounts work for both type=individual and type=business customers — businesses must complete the KYB flow first. USD, GBP, and EUR Virtual Bank Accounts currently support type=individual only.

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Can I create multiple virtual bank accounts for the same customer?

Not for the same currency and wallet. Each customer can only have one Virtual Bank Account per wallet and provider combination. If one already exists, the request will be rejected.

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How do we create a virtual bank account?

  1. Create a customer and complete their verification.
    • For type=individual, follow the standard KYC flow (upload identity files via /files).
    • For type=business, follow the KYB flow (owners + KYB documents + /submit).
  2. Use the Create Virtual Bank Account endpoint with wallet_id and customer_id.
If the customer flow requires a tin, get the correct label or field from the Get identification type endpoint before collecting it. See the Virtual Bank Accounts guide for full prerequisites by currency.

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Do virtual bank accounts settle in development?

Only NGN Virtual Bank Accounts settle in the development environment.