> ## 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.

# Virtual Account API

> PayVessel virtual account API to create STATIC or DYNAMIC Nigerian virtual bank accounts for customer bank transfer collections.

The PayVessel **virtual account API** creates a unique virtual bank account for each customer so they can pay you by direct bank transfer without a checkout redirect.

**Supported banks for virtual accounts:**

| Bank                  | Code     |
| --------------------- | -------- |
| PalmPay               | `999991` |
| 9Payment Service Bank | `120001` |
| Rubies MFB            | `090175` |

## How it works

1. **Send a request** with the customer's name, email, and any required identity fields.
2. **Receive a virtual account**: bank name, account number, and account name.
3. **Share the details** with your customer so they can pay via bank transfer.
4. **Receive a webhook** when funds land on the account.

## Use cases

* Dedicated accounts for individual customers
* Collections for invoices or subscriptions
* E-commerce order payments without a redirect

<Card title="API Reference" icon="code" href="/api-reference/virtual-accounts/create-virtual-account">
  Full request/response details
</Card>