Generate Customer Virtual Account

curl --request POST \
  --url https://api.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "first_name": "Tosin",
  "last_name": "Kalejaiye",
  "email": "tosin@example.com",
  "phone": "08012345678",
  "bvn": "22222222222",
  "date_of_birth": "01/31/1990",
  "address": "12 Marina Road, Lagos",
  "gender": "1",
  "customer_identifier": "user-12345"
}
'

import requests

url = "https://api.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer"

payload = {
    "first_name": "Tosin",
    "last_name": "Kalejaiye",
    "email": "tosin@example.com",
    "phone": "08012345678",
    "bvn": "22222222222",
    "date_of_birth": "01/31/1990",
    "address": "12 Marina Road, Lagos",
    "gender": "1",
    "customer_identifier": "user-12345"
}
headers = {
    "X-API-Key": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'X-API-Key': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    first_name: 'Tosin',
    last_name: 'Kalejaiye',
    email: 'tosin@example.com',
    phone: '08012345678',
    bvn: '22222222222',
    date_of_birth: '01/31/1990',
    address: '12 Marina Road, Lagos',
    gender: '1',
    customer_identifier: 'user-12345'
  })
};

fetch('https://api.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer', 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.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer",
  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([
    'first_name' => 'Tosin',
    'last_name' => 'Kalejaiye',
    'email' => 'tosin@example.com',
    'phone' => '08012345678',
    'bvn' => '22222222222',
    'date_of_birth' => '01/31/1990',
    'address' => '12 Marina Road, Lagos',
    'gender' => '1',
    'customer_identifier' => 'user-12345'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-API-Key: <api-key>"
  ],
]);

$response = curl_exec($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.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer"

	payload := strings.NewReader("{\n  \"first_name\": \"Tosin\",\n  \"last_name\": \"Kalejaiye\",\n  \"email\": \"tosin@example.com\",\n  \"phone\": \"08012345678\",\n  \"bvn\": \"22222222222\",\n  \"date_of_birth\": \"01/31/1990\",\n  \"address\": \"12 Marina Road, Lagos\",\n  \"gender\": \"1\",\n  \"customer_identifier\": \"user-12345\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-API-Key", "<api-key>")
	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.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer")
  .header("X-API-Key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"first_name\": \"Tosin\",\n  \"last_name\": \"Kalejaiye\",\n  \"email\": \"tosin@example.com\",\n  \"phone\": \"08012345678\",\n  \"bvn\": \"22222222222\",\n  \"date_of_birth\": \"01/31/1990\",\n  \"address\": \"12 Marina Road, Lagos\",\n  \"gender\": \"1\",\n  \"customer_identifier\": \"user-12345\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"first_name\": \"Tosin\",\n  \"last_name\": \"Kalejaiye\",\n  \"email\": \"tosin@example.com\",\n  \"phone\": \"08012345678\",\n  \"bvn\": \"22222222222\",\n  \"date_of_birth\": \"01/31/1990\",\n  \"address\": \"12 Marina Road, Lagos\",\n  \"gender\": \"1\",\n  \"customer_identifier\": \"user-12345\"\n}"

response = http.request(request)
puts response.read_body

{
  "status": 200,
  "success": true,
  "message": "Customer virtual account already exists for this customer_identifier",
  "data": {
    "virtualAccount": {
      "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
      "customer_identifier": "user-12345",
      "first_name": "Tosin",
      "last_name": "Kalejaiye",
      "email": "tosin@example.com",
      "phone": "08012345678",
      "bvn_last4": "2222",
      "currency": "NGN",
      "bank_name": "GTBank",
      "bank_code": "058",
      "account_number": "4382272943",
      "account_name": "Tosin Kalejaiye",
      "status": "active",
      "created_at": "2023-11-07T05:31:56Z"
    },
    "existing": true
  }
}

{
  "status": 201,
  "success": true,
  "message": "Customer virtual account generated successfully",
  "data": {
    "virtualAccount": {
      "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
      "customer_identifier": "user-12345",
      "first_name": "Tosin",
      "last_name": "Kalejaiye",
      "email": "tosin@example.com",
      "phone": "08012345678",
      "bvn_last4": "2222",
      "currency": "NGN",
      "bank_name": "GTBank",
      "bank_code": "058",
      "account_number": "4382272943",
      "account_name": "Tosin Kalejaiye",
      "status": "active",
      "created_at": "2023-11-07T05:31:56Z"
    },
    "existing": false
  }
}

{
  "success": false,
  "message": "<string>"
}

{
  "success": false,
  "message": "<string>"
}

POST

wallet

virtual-accounts

generate

customer

Generate Customer Virtual Account

curl --request POST \
  --url https://api.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "first_name": "Tosin",
  "last_name": "Kalejaiye",
  "email": "tosin@example.com",
  "phone": "08012345678",
  "bvn": "22222222222",
  "date_of_birth": "01/31/1990",
  "address": "12 Marina Road, Lagos",
  "gender": "1",
  "customer_identifier": "user-12345"
}
'

import requests

url = "https://api.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer"

payload = {
    "first_name": "Tosin",
    "last_name": "Kalejaiye",
    "email": "tosin@example.com",
    "phone": "08012345678",
    "bvn": "22222222222",
    "date_of_birth": "01/31/1990",
    "address": "12 Marina Road, Lagos",
    "gender": "1",
    "customer_identifier": "user-12345"
}
headers = {
    "X-API-Key": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {'X-API-Key': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    first_name: 'Tosin',
    last_name: 'Kalejaiye',
    email: 'tosin@example.com',
    phone: '08012345678',
    bvn: '22222222222',
    date_of_birth: '01/31/1990',
    address: '12 Marina Road, Lagos',
    gender: '1',
    customer_identifier: 'user-12345'
  })
};

fetch('https://api.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer', 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.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer",
  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([
    'first_name' => 'Tosin',
    'last_name' => 'Kalejaiye',
    'email' => 'tosin@example.com',
    'phone' => '08012345678',
    'bvn' => '22222222222',
    'date_of_birth' => '01/31/1990',
    'address' => '12 Marina Road, Lagos',
    'gender' => '1',
    'customer_identifier' => 'user-12345'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-API-Key: <api-key>"
  ],
]);

$response = curl_exec($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.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer"

	payload := strings.NewReader("{\n  \"first_name\": \"Tosin\",\n  \"last_name\": \"Kalejaiye\",\n  \"email\": \"tosin@example.com\",\n  \"phone\": \"08012345678\",\n  \"bvn\": \"22222222222\",\n  \"date_of_birth\": \"01/31/1990\",\n  \"address\": \"12 Marina Road, Lagos\",\n  \"gender\": \"1\",\n  \"customer_identifier\": \"user-12345\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-API-Key", "<api-key>")
	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.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer")
  .header("X-API-Key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"first_name\": \"Tosin\",\n  \"last_name\": \"Kalejaiye\",\n  \"email\": \"tosin@example.com\",\n  \"phone\": \"08012345678\",\n  \"bvn\": \"22222222222\",\n  \"date_of_birth\": \"01/31/1990\",\n  \"address\": \"12 Marina Road, Lagos\",\n  \"gender\": \"1\",\n  \"customer_identifier\": \"user-12345\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-API-Key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"first_name\": \"Tosin\",\n  \"last_name\": \"Kalejaiye\",\n  \"email\": \"tosin@example.com\",\n  \"phone\": \"08012345678\",\n  \"bvn\": \"22222222222\",\n  \"date_of_birth\": \"01/31/1990\",\n  \"address\": \"12 Marina Road, Lagos\",\n  \"gender\": \"1\",\n  \"customer_identifier\": \"user-12345\"\n}"

response = http.request(request)
puts response.read_body

{
  "status": 200,
  "success": true,
  "message": "Customer virtual account already exists for this customer_identifier",
  "data": {
    "virtualAccount": {
      "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
      "customer_identifier": "user-12345",
      "first_name": "Tosin",
      "last_name": "Kalejaiye",
      "email": "tosin@example.com",
      "phone": "08012345678",
      "bvn_last4": "2222",
      "currency": "NGN",
      "bank_name": "GTBank",
      "bank_code": "058",
      "account_number": "4382272943",
      "account_name": "Tosin Kalejaiye",
      "status": "active",
      "created_at": "2023-11-07T05:31:56Z"
    },
    "existing": true
  }
}

{
  "status": 201,
  "success": true,
  "message": "Customer virtual account generated successfully",
  "data": {
    "virtualAccount": {
      "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
      "customer_identifier": "user-12345",
      "first_name": "Tosin",
      "last_name": "Kalejaiye",
      "email": "tosin@example.com",
      "phone": "08012345678",
      "bvn_last4": "2222",
      "currency": "NGN",
      "bank_name": "GTBank",
      "bank_code": "058",
      "account_number": "4382272943",
      "account_name": "Tosin Kalejaiye",
      "status": "active",
      "created_at": "2023-11-07T05:31:56Z"
    },
    "existing": false
  }
}

{
  "success": false,
  "message": "<string>"
}

{
  "success": false,
  "message": "<string>"
}

Create a permanent NGN virtual account dedicated to one of your end-users. Each user gets their own account number, so when a deposit lands you can attribute it to the right user via webhook and credit them automatically — instead of everyone sharing a single business account. The provider requires the end-user’s BVN, name and date of birth to open a dedicated personal account.

This endpoint is idempotent per customer_identifier. Re-requesting for the same customer returns the account already on file (HTTP 200, existing: true) rather than creating a duplicate. Use a new customer_identifier to create a new account for a different user.

`customer_identifier`

Your own unique id for the end-user (their user id in your system). It is what ties the Rolla account back to a specific user, so the deposit webhook tells you who paid. Pass your own value; if you omit it, one is generated and returned.

Request Body

Field	Type	Required	Description
`customer_identifier`	string	No	Your unique id for this end-user. Omit to have one generated.
`first_name`	string	Yes	End-user’s first name
`last_name`	string	Yes	End-user’s last name
`email`	string	Yes	End-user’s email
`phone`	string	Yes	End-user’s Nigerian mobile number
`bvn`	string	Yes	End-user’s 11-digit BVN. Validated by the provider. Never returned in responses.
`date_of_birth`	string	Yes	End-user’s date of birth in `mm/dd/yyyy` format
`address`	string	Yes	End-user’s address
`gender`	string	Yes	`"1"` = male, `"2"` = female

Example Request

curl -X POST "https://api.rolla.xyz/api/v1/external/wallet/virtual-accounts/generate/customer" \
  -H "X-API-Key: your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "customer_identifier": "user-12345",
    "first_name": "Tosin",
    "last_name": "Kalejaiye",
    "email": "tosin@example.com",
    "phone": "08012345678",
    "bvn": "22222222222",
    "date_of_birth": "01/31/1990",
    "address": "12 Marina Road, Lagos",
    "gender": "1"
  }'

Example Response

{
  "status": 201,
  "success": true,
  "message": "Customer virtual account generated successfully",
  "data": {
    "virtualAccount": {
      "id": "9632c120-3c98-4a1c-baf2-47c17a079802",
      "customer_identifier": "user-12345",
      "first_name": "Tosin",
      "last_name": "Kalejaiye",
      "email": "tosin@example.com",
      "phone": "08012345678",
      "bvn_last4": "2222",
      "currency": "NGN",
      "bank_name": "GTBank",
      "bank_code": "058",
      "account_number": "4382272943",
      "account_name": "Tosin Kalejaiye",
      "status": "active",
      "created_at": "2026-07-10T10:02:11.942Z"
    },
    "existing": false
  }
}

The raw BVN is never echoed back — only bvn_last4. In the sandbox, use the test BVN 22222222222; a made-up value returns 400 "invalid BVN". In production, pass the user’s real BVN.

If your API key has an IP allowlist configured, it applies here as it does to every endpoint — requests from other IPs are rejected. An allowlist is not required to use this endpoint.

Authorizations

X-API-Key

string

header

required

Your Rolla API key

Body

application/json

first_name

string

required

Example:

"Tosin"

last_name

string

required

Example:

"Kalejaiye"

string<email>

required

Example:

"tosin@example.com"

phone

string

required

Nigerian mobile number.

Example:

"08012345678"

bvn

string

required

End-user's 11-digit Bank Verification Number. Validated by the provider. Never returned in responses.

Example:

"22222222222"

date_of_birth

string

required

End-user's date of birth in mm/dd/yyyy format.

Example:

"01/31/1990"

address

string

required

Example:

"12 Marina Road, Lagos"

gender

enum<string>

required

1 = male, 2 = female.

Available options:

1,

2

Example:

"1"

customer_identifier

string

Your own unique id for this end-user. Pass it so the account maps back to the user and re-requests are idempotent. If omitted, one is generated and returned.

Example:

"user-12345"

Response

An account already existed for this customer_identifier and was returned unchanged

status

integer

Example:

200

success

boolean

Example:

true

message

string

Example:

"Customer virtual account already exists for this customer_identifier"

data

object

Show child attributes

Overview

Banks

Account Lookup

Transactions

Wallet

Beneficiaries

Teams

Account Onboarding

Webhooks

Generate Customer Virtual Account

`customer_identifier`

Request Body

Example Request

Example Response

Authorizations

Body

Response

​customer_identifier

​Request Body

​Example Request

​Example Response

Authorizations

Body

Response

`customer_identifier`

Request Body

Example Request

Example Response