The Durapayment API collection provides a structured set of requests for testing and exploring key payment-related endpoints in the Durapayment platform.
\nIt includes endpoints for:
\nAPI health checks, to confirm the service is reachable
\nUser profile and balance retrieval, for accessing account information
\nVirtual account operations, including listing static and dynamic accounts and creating new accounts
\nPayment acceptance workflows, organized under the Accept Payments section for easier navigation
\nThis collection is intended to help developers quickly verify core functionality, understand available endpoints, and interact with common account and payment features using the configured {{baseUrl}} and authentication variables.
GET {{baseUrl}}/api/v1/account
Returns basic information about your business and its owner.
\nBearer token — your public or secret API key.
\n200{\n \"status\": 200,\n \"message\": \"Account retrieved successfully.\",\n \"data\": {\n \"account\": {\n \"business_name\": \"Acme Ltd\",\n \"business_type\": \"limited_liability\",\n \"verification_status\": \"verified\",\n \"currency\": \"NGN\",\n \"created_at\": \"2026-01-15 10:00:00\"\n },\n \"owner\": {\n \"full_name\": \"Jane Doe\",\n \"email\": \"jane@acme.com\"\n }\n }\n}\n\nThis folder contains endpoints related to the authenticated user’s account information. It currently includes requests for retrieving basic account details and checking the user’s available balance, making it useful for profile verification and account status checks.
\nPOST {{baseUrl}}/api/v1/virtual-account/dynamic
Creates a one-time virtual account for collecting a single payment. Expires automatically after the configured validity window (default 4320 minutes).
\nBearer token — your public or secret API key.
\n{\n \"amount\": 5000,\n \"customer_email\": \"johndoe@example.com\",\n \"customer_firstname\": \"John\",\n \"customer_lastname\": \"Doe\",\n \"customer_phone\": \"08012345678\",\n \"redirect_url\": \"https://yourapp.com/payment-complete\",\n \"meta\": {\n \"order_id\": \"ORD-1001\"\n }\n}\n\namount, customer_email, customer_firstname, customer_lastname, customer_phone — required.
redirect_url, meta — optional.
Funds an account with any amount equal to or greater than what's specified.
\n200{\n \"status\": 200,\n \"message\": \"Dynamic account created successfully\",\n \"data\": {\n \"ref\": \"DYN...\",\n \"payment_details\": {\n \"customer_email\": \"johndoe@example.com\",\n \"amount\": 5000,\n \"currency\": \"NGN\",\n \"bank_account\": {\n \"account_number\": \"4600070017\",\n \"bank_name\": \"VFD Microfinance Bank\",\n \"account_name\": \"John Doe\",\n \"expiry_date\": \"2026-08-07 12:00:00\"\n }\n },\n \"payment_instruction\": {\n \"info\": \"Please pay exactly NGN5000\"\n }\n }\n}\n\nPOST {{baseUrl}}/api/v1/customers/accounts
Creates a permanent, verified (Tier 3) bank account for one of your customers.
\nBearer token — your public or secret API key.
\n{\n \"account_reference\": \"CUST-1001\",\n \"bvn\": \"22345678901\",\n \"nin\": \"12345678901\",\n \"date_of_birth\": \"1995-06-14\",\n \"address\": \"12 Adeola Odeku Street, Victoria Island\",\n \"state\": \"Lagos\"\n}\n\naccount_reference, bvn, nin, date_of_birth — required.
address, state — optional. If either is omitted, your own registered business address/state is used in its place.
Calling this again with the same account_reference just returns the existing account (safe to retry).
201{\n \"status\": 201,\n \"message\": \"Account created successfully.\",\n \"data\": {\n \"account_reference\": \"CUST-1001\",\n \"account_number\": \"1049xxxxxx\",\n \"account_name\": \"SOME NAME\",\n \"bank_name\": \"VFD Microfinance Bank\",\n \"bank_code\": \"566\",\n \"tier\": \"3\",\n \"status\": \"active\"\n }\n}\n\nEndpoints for creating virtual accounts (NUBAN-format bank account numbers) to collect payments on your platform.
\nDynamic — a one-time account tied to a specific amount and customer. Expires automatically after a set validity window. Best for single, per-order payments.
\nStatic — a permanent account, created using BVN, NIN, Date of Birth & Address
\nBoth return a real bank account number your customers can pay into directly — no card, no redirect required.
\n","_postman_id":"0d1555ac-61ab-493c-b0d4-a7a2a5f76017"},{"name":"Checkout Modal","item":[],"id":"5ec08e61-950c-46ae-9469-6e95a08e8be0","description":"This folder contains payment collection workflows for the Durapayment API. It groups endpoints used to receive payments through virtual accounts and checkout-based payment experiences, making it useful for testing how customers initiate and complete payment transactions across supported acceptance channels.
\n","_postman_id":"5ec08e61-950c-46ae-9469-6e95a08e8be0"}],"id":"53bab568-8501-43c7-92a5-9fd69e8aa00e","description":"This folder contains endpoints related to the authenticated user’s account information. It currently includes requests for retrieving basic account details and checking the user’s available balance, making it useful for profile verification and account status checks.
\nGET {{baseUrl}}/api/v1/fetch/banks
Returns the full list of banks and their codes. Use the code from this list as bank_code in /transfer/initiate and /transfer/account-enquiry.
Bearer token — your public or secret API key.
\n200{\n \"status\": 200,\n \"data\": [\n {\n \"id\": 837,\n \"code\": \"090832\",\n \"name\": \"5TT MFB\",\n \"logo\": \"\",\n \"created\": \"2025-07-09 22:14:42\"\n },\n {\n \"id\": 712,\n \"code\": \"110072\",\n \"name\": \"78 FINANCE COMPANY LTD\",\n \"logo\": \"\",\n \"created\": \"2023-10-20 10:14:20\"\n }\n ]\n}\n\nGET {{baseUrl}}/api/v1/transfer/account-enquiry?account_number=8141314105&bank_code=100004
Resolves an account number to the recipient's name before sending a transfer.
\nBearer token — your public or secret API key.
\n200{\n \"status\": 200,\n \"message\": \"Account resolved successfully\",\n \"data\": {\n \"account_number\": \"8141314105\",\n \"account_name\": \"OLUMIDE JOHN OLUDOWOLE\",\n \"bank_code\": \"100004\"\n }\n}\n\n400{\n \"status\": 400,\n \"message\": \"Could not resolve account. Please check the details.\"\n}\n\nPOST {{baseUrl}}/api/v1/transfer/initiate
Sends money from your wallet to a bank account. Debits your balance for the transfer amount plus fees.
\nBearer token — your public or secret API key.
\n{\n \"bank_code\": \"100004\",\n \"account_number\": \"8141314105\",\n \"amount\": 5000,\n \"reference\": \"MYTXN-1001\",\n \"narration\": \"Payout for order #1001\"\n}\n\nbank_code, account_number, amount, reference — required.
narration — optional.
reference is your own unique identifier for this transfer. Calling this endpoint again with the same reference will not send a second transfer — it returns the original result instead. Use a new reference for every distinct transfer.
The recipient's account name is verified with the bank before sending — you don't need to (and can't) supply it.
\n200 (completed){\n \"status\": 200,\n \"message\": \"Transfer completed successfully.\",\n \"data\": {\n \"reference\": \"MYTXN-1001\",\n \"amount\": 5000,\n \"fee\": 36.88,\n \"total_debit\": 5036.88,\n \"status\": \"completed\",\n \"balance\": 94963.12\n }\n}\n\n202 (pending confirmation)Occasionally a transfer submits successfully but confirmation is delayed. Check back or await your webhook.
\n{\n \"status\": 202,\n \"message\": \"Transfer submitted and is being confirmed.\",\n \"data\": { \"reference\": \"MYTXN-1001\" }\n}\n\nEndpoints for sending money out of your wallet to any Nigerian bank account.
\nFetch Banks — get the list of supported banks and their codes.
\nAccount Enquiry — verify a recipient's name before sending, using their account number and bank code.
\nInitiate Transfer — send the money. Debits your wallet balance for the amount plus fees, and is safe to retry using the same reference without sending twice.
Typical flow: fetch banks → resolve the recipient's name via account enquiry → initiate the transfer.
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