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

# Create Dynamic Virtual Account

> Mint a one-time NUBAN for a specific amount — ideal for checkout and pay-by-transfer, where each payment gets its own account.

Mint a **one-time** collection account for a specific `amount`. Unlike a customer or business virtual account (which is reusable), a dynamic account is intended for a single payment — typically a checkout or a pay-by-transfer flow where each order gets its own account number. When it's funded, the money credits your wallet and a `FUNDING_NOTIFICATION` webhook fires.

## When to use it

| Account type           | Reusable      | Best for                                        |
| ---------------------- | ------------- | ----------------------------------------------- |
| Customer / Business VA | Yes           | A payer who pays you repeatedly                 |
| **Dynamic**            | No (one-time) | A single checkout / order, amount known upfront |

## Endpoint

```
POST /api/v1/business/virtualaccount/dynamic
```

**Signature required:** Yes

## Headers

| Header                       | Required | Description                                                                                                                                                                    |
| ---------------------------- | -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| `X-Numero-Api-Key`           | Yes      | Your API key                                                                                                                                                                   |
| `X-Numero-Signature`         | Yes      | Base64 HMAC-SHA256 over the exact raw request body (POST) or the canonicalised query string (GET), keyed with your **Public Key**. See [Request signing](/03-request-signing). |
| `X-Numero-Signature-Version` | Yes      | Always `v2`.                                                                                                                                                                   |

## Request body

| Field              | Type    | Required | Description                                     |
| ------------------ | ------- | -------- | ----------------------------------------------- |
| `amount`           | number  | Yes      | Exact amount to collect, in major units (naira) |
| `firstName`        | string  | No       | Payer's first name                              |
| `lastName`         | string  | No       | Payer's last name                               |
| `email`            | string  | No       | Payer's email                                   |
| `mobileNumber`     | string  | No       | Payer's phone number                            |
| `bvn`              | string  | No       | Payer's BVN (where the provider requires it)    |
| `reference`        | string  | No       | Your own reference for the collection           |
| `expiresInMinutes` | integer | No       | Minutes until the account lapses                |
| `narration`        | string  | No       | Narration to attach to the collection           |

## Request example

```bash theme={null}
curl -X POST "https://api.usenumero.com/numeroaccount/api/v1/business/virtualaccount/dynamic" \
  -H "Content-Type: application/json" \
  -H "X-Numero-Api-Key: your_api_key" \
  -H "X-Numero-Signature: $SIGNATURE" \
  -H "X-Numero-Signature-Version: v2" \
  -d '{
    "amount": 5000,
    "firstName": "John",
    "lastName": "Doe",
    "email": "john.doe@example.com",
    "mobileNumber": "08012345678",
    "reference": "order_10231",
    "expiresInMinutes": 30,
    "narration": "Order #10231"
  }'
```

## Response

```json theme={null}
{
  "data": {
    "reference": "DVA-20240115-abc123",
    "accountName": "John Doe",
    "accountNumber": "8012345678",
    "bankName": "Providus Bank",
    "amount": 5000,
    "expiresAt": "2024-01-15T12:30:00Z"
  },
  "error": null,
  "meta": {
    "request_id": "req_365123ebc73323f1482508560ce6400e",
    "pagination": null
  }
}
```

| Field           | Type     | Description                                             |
| --------------- | -------- | ------------------------------------------------------- |
| `reference`     | string   | Unique reference for this collection                    |
| `accountName`   | string   | Name on the virtual account                             |
| `accountNumber` | string   | NUBAN to share with the payer                           |
| `bankName`      | string   | Bank the account was created with                       |
| `amount`        | number   | Amount the account expects                              |
| `expiresAt`     | datetime | When the account lapses (if `expiresInMinutes` was set) |

<Note>
  When the payer transfers into this account, funds are credited to your wallet (held and released per your settlement schedule) and a `FUNDING_NOTIFICATION` webhook is delivered to your subscription URL.
</Note>