> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payvessel.com/llms.txt
> Use this file to discover all available pages before exploring further.

# PayVessel API Products

> Explore PayVessel APIs for USD virtual cards, Nigerian virtual accounts, BVN and NIN verification, credit score checks, payments, transfers, and wallets.

PayVessel provides REST APIs for payments, banking, identity, and card issuing in Nigeria. Use this page to find the right product API for your integration.

## Virtual card API

Issue **USD virtual Visa and Mastercard** cards for your customers. Fund cards from your business wallet, manage freeze and terminate lifecycle, and receive webhooks for spend and funding events.

<CardGroup cols={2}>
  <Card title="Virtual card API guide" icon="credit-card" href="/virtual-cards/overview">
    Getting started, limits, and security
  </Card>

  <Card title="Create a card" icon="plus" href="/api-reference/virtual-cards/create-customer-card">
    API reference with request samples
  </Card>

  <Card title="Fund a card" icon="wallet" href="/api-reference/virtual-cards/fund-card">
    Load USD from your business wallet
  </Card>

  <Card title="Card webhooks" icon="webhook" href="/virtual-cards/webhooks" />
</CardGroup>

## Virtual account API

Create **STATIC** or **DYNAMIC** Nigerian virtual bank accounts so customers can pay you by bank transfer. Reserve accounts per customer and reconcile incoming credits with webhooks.

<CardGroup cols={2}>
  <Card title="Create virtual account" icon="building-columns" href="/virtual-accounts/create-virtual-account">
    Guide: STATIC vs DYNAMIC accounts
  </Card>

  <Card title="Virtual account API" icon="code" href="/api-reference/virtual-accounts/create-virtual-account">
    API reference
  </Card>

  <Card title="Get virtual account" icon="magnifying-glass" href="/api-reference/virtual-accounts/get-virtual-account">
    Retrieve account details by ID
  </Card>

  <Card title="Reserved accounts guide" icon="book-open" href="/accept-payment/customer-reserved-account">
    Checkout and collection flows
  </Card>
</CardGroup>

## BVN verification API

Verify **Bank Verification Number (BVN)** details against customer-submitted identity data. Choose basic field-match verification or enhanced profile retrieval for deeper KYC.

<CardGroup cols={2}>
  <Card title="Basic BVN verification" icon="id-card" href="/identity-verification/basic-bvn-verification">
    Match scores and onboarding checks
  </Card>

  <Card title="Enhanced BVN verification" icon="id-card" href="/identity-verification/enhanced-bvn-verification">
    Full BVN profile fields
  </Card>

  <Card title="BVN API (basic)" icon="code" href="/api-reference/verification/basic-bvn-verification">
    API reference
  </Card>

  <Card title="BVN API (enhanced)" icon="code" href="/api-reference/verification/enhanced-bvn-verification">
    API reference
  </Card>
</CardGroup>

## NIN verification API

Verify **National Identification Number (NIN)** records for Nigerian customers. Use basic verification for match results or enhanced verification when you need richer identity attributes.

<CardGroup cols={2}>
  <Card title="Basic NIN verification" icon="fingerprint" href="/identity-verification/basic-nin-verification">
    Field-match workflows
  </Card>

  <Card title="Enhanced NIN verification" icon="fingerprint" href="/identity-verification/enhanced-nin-verification">
    Extended NIN profile data
  </Card>

  <Card title="NIN API (basic)" icon="code" href="/api-reference/verification/basic-nin-verification">
    API reference
  </Card>

  <Card title="NIN API (enhanced)" icon="code" href="/api-reference/verification/enhanced-nin-verification">
    API reference
  </Card>
</CardGroup>

## Credit score API and risk checks

Run **credit score queries**, blacklist screening, and loan-feature lookups to support underwriting, limits, and compliance decisions.

<CardGroup cols={2}>
  <Card title="Credit score API" icon="chart-line" href="/identity-verification/credit-score-query">
    Score-based risk signals
  </Card>

  <Card title="Credit score API reference" icon="code" href="/api-reference/verification/credit-score-query">
    Request and response schemas
  </Card>

  <Card title="Blacklist query" icon="ban" href="/identity-verification/blacklist-query">
    Screen customers against deny lists
  </Card>

  <Card title="Identity verification overview" icon="shield-check" href="/identity-verification/overview">
    Full verification stack
  </Card>
</CardGroup>

## Payments, transfers, and wallets

<CardGroup cols={2}>
  <Card title="Accept payments" icon="credit-card" href="/accept-payment/checkout">
    Checkout and card payments
  </Card>

  <Card title="Bank transfers" icon="paper-plane" href="/transfer-payout/single-transfers">
    Payouts and disbursements
  </Card>

  <Card title="Wallets" icon="wallet" href="/wallets/overview">
    Managed balances
  </Card>

  <Card title="API reference" icon="book" href="/api-reference/introduction">
    All endpoints
  </Card>
</CardGroup>

## Get started

1. Create a PayVessel business account and obtain **API key** and **secret** from the [Dashboard](https://app.payvessel.com).
2. Read [Authentication](/api-basics/authentication) and [Environments](/api-basics/environments) (production and sandbox).
3. Follow the [Quickstart](/quickstart) or jump to the product guide above.