Static Virtual Account

⚡ How It Works

• Automatic Caching & Deduplication: Before generating a new bank account, Billswave checks if an account already exists for the given customer email under your merchant ID. If found, it instantly returns the stored details without issuing redundant provider requests.
• Smart Routing: Accounts are routed through our payment provider network based on your business verification level registered on your Billswave merchant account.
• Flexible Auth: Pass your API secret key via the standard HTTP Authorization: Bearer <secret_key> header or in the JSON request body as secret_key.
• Note: Store generated account details in your database to validate incoming transactions during webhook handling.

🔑 Headers & Authentication

📥 Request Body Parameters

💻 Code Snippets

curl -X POST https://billswave.com/v1-api/static-account \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer bw_sec_live_xxxxxxxxxxxx" \
  -d '{
    "email": "customer@example.com",
    "first_name": "Emmanuel",
    "last_name": "Okon",
    "phone": "08141248915"
  }'

<?php
$payload = [
    'email'      => 'customer@example.com',
    'first_name' => 'Emmanuel',
    'last_name'  => 'Okon',
    'phone'      => '08141248915'
];

$ch = curl_init('https://billswave.com/v1-api/static-account');
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST           => true,
    CURLOPT_POSTFIELDS     => json_encode($payload),
    CURLOPT_HTTPHEADER     => [
        'Content-Type: application/json',
        'Authorization: Bearer bw_sec_live_xxxxxxxxxxxx'
    ]
]);

$response = curl_exec($ch);
curl_close($ch);

$data = json_decode($response, true);
print_r($data);
?>

const createAccount = async () => {
    const response = await fetch('https://billswave.com/v1-api/static-account', {
        method: 'POST',
        headers: {
            'Content-Type': 'application/json',
            'Authorization': 'Bearer bw_sec_live_xxxxxxxxxxxx'
        },
        body: JSON.stringify({
            email: 'customer@example.com',
            first_name: 'Emmanuel',
            last_name: 'Okon',
            phone: '08141248915'
        })
    });

    const result = await response.json();
    console.log(result);
};

createAccount();

📤 Sample Responses

{
  "status": true,
  "message": "Static virtual account created successfully.",
  "data": {
    "bank_name": "Billswave Bank",
    "account_number": "9920194821",
    "account_name": "BLW / Emmanuel Okon",
    "customer_email": "customer@example.com",
    "created_at": "2026-03-25 10:15:30"
  }
}

{
  "status": true,
  "message": "Virtual account retrieved successfully.",
  "data": {
    "bank_name": "Billswave Bank",
    "account_number": "9920194821",
    "account_name": "BLW / Emmanuel Okon",
    "customer_email": "customer@example.com",
    "created_at": "2026-03-25 10:15:30"
  }
}

{
  "status": false,
  "message": "Invalid or inactive API secret key."
}

{
  "status": false,
  "message": "First name and last name are required to create a new virtual account."
}