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POST
/
v1
/
virtual-account
/
dynamic
const options = {
  method: 'POST',
  headers: {'x-api-key': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    currency: 'NGN',
    country: 'NG',
    amount: 5000,
    duration: 30,
    reference: 'TXN_REF_DYNAMIC_12345678',
    accountName: 'Spar Ikorodu'
  })
};

fetch('https://sandboxapi.me-cash.com/v1/virtual-account/dynamic', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));
{
  "message": "virtual account created successfully",
  "status": "success",
  "data": {
    "id": "30fe4022-09da-46fb-bafa-xxxxxxxxxxxxx",
    "reference": "<string>",
    "account": {
      "bankName": "<string>",
      "sortCode": "<string>",
      "number": "<string>"
    },
    "expiryTime": 123,
    "status": "ACTIVE",
    "currency": "<string>",
    "country": "<string>",
    "created": "2023-11-07T05:31:56Z"
  }
}

​
Error responses

Use this table as the source of truth for troubleshooting POST /v1/virtual-account/dynamic.
StatusMessageWhat it meansHow to fix
400Invalid PayloadRequired fields are missing or the JSON body fails validation.Rebuild the payload with the expected schema (currency, country, amount, duration, reference, etc.).
400Duration must be an integerduration was provided as a string/float or omitted.Supply duration as an integer number of minutes (e.g., 30).
401API key missing or incorrectAuthentication header is missing, invalid, or expired.Include the correct x-api-key for the environment.
409Reference must be uniqueThe reference value already exists from an earlier request.Reuse the first response or generate a new reference.
500Service temporarily unavailableTemporary backend outage.Retry later with exponential backoff; contact support if it persists.

Authorizations

​
x-api-key
string
header
required

Body

application/json

Dynamic virtual account details for Nigeria (NGN).

​
currency
enum<string>
required

Currency code (NGN).

Available options:
NGN
​
country
enum<string>
required

Country code (NG).

Available options:
NG
​
amount
number
required

The exact amount expected for the transaction.

​
duration
integer
required

The time in minutes for which the account will remain active.

​
reference
string
required

A unique reference for the transaction.

​
accountName
string
required

The name of the account.

Response

Dynamic virtual account created successfully.

​
message
string
Example:

"virtual account created successfully"

​
status
string
Example:

"success"

​
data
object