Welcome to Fundsvera API

Fundsvera provides a comprehensive suite of payment and virtual account payment collections & bank transafer API. Our infrastructure enables businesses to accept payments, create, manage, and monitor virtual accounts seamlessly.

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Core Features

Payment collections
Virtual account creation for customers
Real-time transaction monitoring
Webhook notifications for events
Secure authentication with API keys
Comprehensive transaction history

Base URL: https://fundsvera.co/api/v1

Authentication

All API requests require authentication using your API keys in the request headers.

API Credentials

After business onboarding, you will receive:

Public Key - Your business public identifier
Secret Key - Your private authentication key (keep secret!)

Required Headers

Header	Format	Required	Description
`Authorization`	`Bearer {secret_key}`	Yes	Your business secret key
`Public-Key`	`{public_key}`	Yes	Your business public key
`Content-Type`	`application/json`	Yes	Request body format

Virtual Account (Create)

Create a virtual bank account for a customer. If an account already exists, it will be returned instead of creating a duplicate.

POST

https://fundsvera.co/api/v1/create-virtual-account

Request Parameters

Parameter	Type	Required	Validation	Description
`email`	string	Yes	Valid email format	Customer's email address
`name`	string	Yes	Alphanumeric, spaces, dashes	Customer's name
`bank_code`	string	Yes	Must be "100033"	Bank code (currently Palmpay)
`phone`	string	Yes	Exactly 11 digits	Customer's phone number

Example Request

{
    "email": "[email protected]",
    "name": "Bolaji Olami",
    "bank_code": "100033",
    "phone": "08012345678"
}

Success Response (200 OK)

{
    "status": "SUCCESS",
    "message": "Virtual account number is now created and activated",
    "customer": {
        "customer_email": "[email protected]",
        "customer_phone": "08012345678",
        "customer_name": "Bolaji Olami"
    },
    "virtual_account": {
        "bank_name": "Palmpay",
        "account_name": "Fundsvera - Bol Fv",
        "account_number": "1234567890",
        "bank_code": "100033",
        "account_status": "Active"
    },
    "business": {
        "business_name": "Your Business Name",
        "business_email": "[email protected]"
    }
}

Initiate Bank Transfer (Secured Checkout)

Create a time‑limited virtual bank account and a secured checkout URL for a customer to complete a bank transfer payment. The account details are valid for 30 minutes.

POST

https://fundsvera.co/api/v1/secured-checkout

Request Parameters

Parameter	Type	Required	Validation	Description
`customer_email`	string	Yes	Valid email address	Customer's email
`customer_name`	string	Yes	Alphanumeric, spaces, dashes, underscores	Customer's full name
`amount`	number	Yes	≥ 100 (NGN)	Amount to be paid
`request_id`	string	Yes	Minimum 20 characters, unique per business	Your unique transaction reference
`redirect_url`	string	Yes	Must start with `http` or `https`, no query parameters	Where we redirect your customer to after the payment
`customer_phone`	string	Optional	Exactly 11 digits	Customer's phone number

Example Request

{
    "customer_email": "[email protected]",
    "customer_name": "Bolaji Ola",
    "amount": 5000,
    "request_id": "unique-ref-1234567890abcdefghijk",
    "redirect_url": "https://your-website.com/success-page",
    "customer_phone": "08012345678"
}

Success Response (200 OK)

{
    "status": "Pending",
    "message": "Account details generated successfully",
    "customer_email": "[email protected]",
    "customer_name": "Bolaji Ola",
    "bank_name": "Bank Name",
    "account_name": "Fundsvera / Merchant Name",
    "account_number": "1234567890",
    "validity": "30 minutes",
    "request_id": "unique-ref-1234567890abcdefghijk",
    "trx_ref": "Tref...",
    "checkout_url": "https://fundsvera.co/secured-checkout/?ref=...&sig=...&D=...",
    "business_name": "Your Business Name",
    "business_email": "[email protected]"
}

The checkout_url is a unique, signed link that you can redirect your customer to. It displays payment instructions and an auto‑expiry timer.

Error Responses

HTTP Status	Error Message
400	`Please input valid customer email`
400	`Please input valid customer name`
400	`Please input valid amount greater than or equal to 100`
400	`Duplicate request ID, please use a unique request ID`
401	`Unauthorized request please use valid keys`
500	`System busy please try again later`

Webhook Security

Fundsvera signs all webhook payloads with an HMAC‑SHA256 signature using your business secret key (the same key used for API authentication). The signature is sent in the X-FUNDSVERA-SIGNATURE header.

How to Verify

On your webhook endpoint, recalculate the HMAC‑SHA256 of the raw request body using your secret key and compare it (timing‑safe) with the X-FUNDSVERA-SIGNATURE header. If they match, the webhook is genuine.

Always return HTTP 200 after processing the webhook to acknowledge receipt. If you return any other status, Fundsvera may retry the delivery.

Verification Code Examples

<?php
$payload = file_get_contents('php://input');
$signature = $_SERVER['HTTP_X_FUNDSVERA_SIGNATURE'] ?? '';
$secret = 'YOUR_SECRET_KEY'; // Business secret key

$computed = hash_hmac('sha256', $payload, $secret);
if (hash_equals($computed, $signature)) {
    // Trusted – process the webhook
    http_response_code(200);
    echo json_encode(['status' => 'received']);
} else {
    http_response_code(401);
    echo json_encode(['error' => 'Invalid signature']);
    exit;
}
?>

const crypto = require('crypto');

function verify(payload, signature, secret) {
    const computed = crypto
        .createHmac('sha256', secret)
        .update(payload)
        .digest('hex');
    return crypto.timingSafeEqual(Buffer.from(computed), Buffer.from(signature));
}

app.post('/webhook', (req, res) => {
    const payload = JSON.stringify(req.body);
    const signature = req.headers['x-fundsvera-signature'];
    if (!verify(payload, signature, 'YOUR_SECRET_KEY')) {
        return res.status(401).json({ error: 'Invalid signature' });
    }
    // Process event...
    res.status(200).json({ status: 'received' });
});

import hmac, hashlib

def verify(payload, signature, secret):
    computed = hmac.new(secret.encode(), payload.encode(), hashlib.sha256).hexdigest()
    return hmac.compare_digest(computed, signature)

@app.route('/webhook', methods=['POST'])
def webhook():
    payload = request.get_data(as_text=True)
    signature = request.headers.get('X-FUNDSVERA-SIGNATURE', '')
    if not verify(payload, signature, 'YOUR_SECRET_KEY'):
        return jsonify({'error': 'Invalid signature'}), 401
    # Process event...
    return jsonify({'status': 'received'}), 200

Bank Transfer Webhook

When a bank transfer is successfully received, Fundsvera sends a bank_transfer.completed event to the webhook URL configured in your business profile. You must return HTTP 200 after processing to acknowledge receipt.

Webhook Payload Example

{
    "status": "SUCCESS",
    "transaction_status": "SUCCESSFUL",
    "trx_ref": "Btrf...",
    "request_id": "unique-ref-1234567890abcdefghijk",
    "amount_paid": 5000,
    "settlement_amount": 4875,
    "fee": 125,
    "trx_type": "checkout",
    "payer": {
        "name": "Bolaji Ola",
        "account_no": "1234567890",
        "bank_name": "Bank Name"
    },
    "customer": {
        "email": "[email protected]",
        "name": "Bolaji Ola",
        "virtual_account_no": "1234567890",
        "bank_name": "Palmpay",
        "phone": "08012345678"
    },
    "message": "Your payment has been successfully processed.",
    "created_date": "2026-06-04T10:30:00Z"
}

Webhook Handler Code

<?php
$payload = file_get_contents('php://input');
$signature = $_SERVER['HTTP_X_FUNDSVERA_SIGNATURE'] ?? '';
$secret = 'YOUR_SECRET_KEY'; // Business secret key

$computed = hash_hmac('sha256', $payload, $secret);
if (!hash_equals($computed, $signature)) {
    http_response_code(401);
    echo json_encode(['error' => 'Invalid signature']);
    exit;
}

$data = json_decode($payload, true);
if ($data['transaction_status'] === 'SUCCESSFUL') {
    $trx = $data;
    // Validate request_id against your database
    // Update order status to paid
    // Grant value to customer

    error_log("Bank transfer completed: {$trx['trx_ref']} for {$trx['amount_paid']}");
    http_response_code(200);
    echo json_encode(['status' => 'received']);
} else {
    http_response_code(200);
    echo json_encode(['status' => 'ignored']);
}
?>

const express = require('express');
const crypto = require('crypto');
const app = express();

app.use(express.json());
const SECRET = 'YOUR_SECRET_KEY';

function verify(payload, signature) {
    const computed = crypto.createHmac('sha256', SECRET).update(payload).digest('hex');
    return crypto.timingSafeEqual(Buffer.from(computed), Buffer.from(signature));
}

app.post('/webhook', (req, res) => {
    const payload = JSON.stringify(req.body);
    const signature = req.headers['x-fundsvera-signature'];
    if (!verify(payload, signature)) {
        return res.status(401).json({ error: 'Invalid signature' });
    }

    const event = req.body;
    if (event.transaction_status === 'SUCCESSFUL') {
        const { trx_ref, request_id, amount_paid, customer } = event;
        console.log(`✅ Payment: ${amount_paid} for ${customer.email}`);
        // Update database, grant access, etc.
        return res.status(200).json({ status: 'received' });
    }
    res.status(200).json({ status: 'ignored' });
});

app.listen(3000);

from flask import Flask, request, jsonify
import hmac, hashlib

app = Flask(__name__)
SECRET = 'YOUR_SECRET_KEY'

def verify(payload, signature):
    computed = hmac.new(SECRET.encode(), payload.encode(), hashlib.sha256).hexdigest()
    return hmac.compare_digest(computed, signature)

@app.route('/webhook', methods=['POST'])
def webhook():
    payload = request.get_data(as_text=True)
    signature = request.headers.get('X-FUNDSVERA-SIGNATURE', '')
    if not verify(payload, signature):
        return jsonify({'error': 'Invalid signature'}), 401

    data = request.get_json()
    if data.get('transaction_status') == 'SUCCESSFUL':
        print(f"Payment received: {data['amount_paid']} from {data['customer']['email']}")
        # Update your database
        return jsonify({'status': 'received'}), 200
    return jsonify({'status': 'ignored'}), 200

if __name__ == '__main__':
    app.run(port=3000)

Virtual Account Webhook

When a virtual account receives a payment, Fundsvera sends an event to your webhook URL configured in your business profile. Always return HTTP 200 after successful processing.

Payment Received Webhook (Example)

{
    "status": "SUCCESS",
    "transaction_status": "SUCCESSFUL",
    "trx_ref": "Tref...",
    "amount_paid": 5000,
    "settlement_amount": 4875,
    "fee": 125,
    "payer": {
        "name": "Sender Name",
        "account_no": "9876543210",
        "bank_name": "Sender Bank"
    },
    "customer": {
        "email": "[email protected]",
        "virtual_account_no": "1234567890",
        "bank_name": "Palmpay",
        "phone": "08012345678"
    },
    "message": "Your payment has been successfully processed.",
    "created_date": "2026-06-04T10:30:00Z"
}

Webhook Handler Code

<?php
$payload = file_get_contents('php://input');
$signature = $_SERVER['HTTP_X_FUNDSVERA_SIGNATURE'] ?? '';
$secret = 'YOUR_SECRET_KEY';

$computed = hash_hmac('sha256', $payload, $secret);
if (!hash_equals($computed, $signature)) {
    http_response_code(401);
    echo json_encode(['error' => 'Invalid signature']);
    exit;
}

$data = json_decode($payload, true);
if ($data['transaction_status'] === 'SUCCESSFUL') {
    // Handle successful payment to a virtual account
    $va = $data['customer']['virtual_account_no'];
    $amount = $data['amount_paid'];
    error_log("Virtual account {$va} funded with {$amount}");
    http_response_code(200);
    echo json_encode(['status' => 'received']);
} else {
    http_response_code(200);
    echo json_encode(['status' => 'ignored']);
}
?>

const express = require('express');
const crypto = require('crypto');
const app = express();

app.use(express.json());
const SECRET = 'YOUR_SECRET_KEY';

function verify(payload, signature) {
    const computed = crypto.createHmac('sha256', SECRET).update(payload).digest('hex');
    return crypto.timingSafeEqual(Buffer.from(computed), Buffer.from(signature));
}

app.post('/webhook', (req, res) => {
    const payload = JSON.stringify(req.body);
    const signature = req.headers['x-fundsvera-signature'];
    if (!verify(payload, signature)) {
        return res.status(401).json({ error: 'Invalid signature' });
    }

    const event = req.body;
    if (event.transaction_status === 'SUCCESSFUL') {
        const { virtual_account_no } = event.customer;
        console.log(`Virtual account ${virtual_account_no} credited with ${event.amount_paid}`);
        return res.status(200).json({ status: 'received' });
    }
    res.status(200).json({ status: 'ignored' });
});

app.listen(3000);

from flask import Flask, request, jsonify
import hmac, hashlib

app = Flask(__name__)
SECRET = 'YOUR_SECRET_KEY'

def verify(payload, signature):
    computed = hmac.new(SECRET.encode(), payload.encode(), hashlib.sha256).hexdigest()
    return hmac.compare_digest(computed, signature)

@app.route('/webhook', methods=['POST'])
def webhook():
    payload = request.get_data(as_text=True)
    signature = request.headers.get('X-FUNDSVERA-SIGNATURE', '')
    if not verify(payload, signature):
        return jsonify({'error': 'Invalid signature'}), 401

    data = request.get_json()
    if data.get('transaction_status') == 'SUCCESSFUL':
        va = data['customer']['virtual_account_no']
        print(f"Virtual account {va} funded with {data['amount_paid']}")
        return jsonify({'status': 'received'}), 200
    return jsonify({'status': 'ignored'}), 200

if __name__ == '__main__':
    app.run(port=3000)

Code Samples

Ready-to-use code examples for integrating with Fundsvera API.

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Create Virtual Account

<?php
$curl = curl_init();

curl_setopt_array($curl, [
    CURLOPT_URL => 'https://fundsvera.co/api/v1/create-virtual-account',
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST => true,
    CURLOPT_HTTPHEADER => [
        'Authorization: Bearer YOUR_SECRET_KEY',
        'Public-Key: YOUR_PUBLIC_KEY',
        'Content-Type: application/json'
    ],
    CURLOPT_POSTFIELDS => json_encode([
        'email' => '[email protected]',
        'name' => 'Bolaji Olami',
        'bank_code' => '100033',
        'phone' => '08012345678'
    ])
]);

$response = curl_exec($curl);
curl_close($curl);
?>

const axios = require('axios');

async function createVA() {
    const res = await axios.post(
        'https://fundsvera.co/api/v1/create-virtual-account',
        {
            email: '[email protected]',
            name: 'Bolaji Olami',
            bank_code: '100033',
            phone: '08012345678'
        },
        {
            headers: {
                'Authorization': 'Bearer YOUR_SECRET_KEY',
                'Public-Key': 'YOUR_PUBLIC_KEY',
                'Content-Type': 'application/json'
            }
        }
    );
    console.log(res.data);
}
createVA();

import requests

url = "https://fundsvera.co/api/v1/create-virtual-account"
headers = {
    "Authorization": "Bearer YOUR_SECRET_KEY",
    "Public-Key": "YOUR_PUBLIC_KEY",
    "Content-Type": "application/json"
}
payload = {
    "email": "[email protected]",
    "name": "Bolaji Olami",
    "bank_code": "100033",
    "phone": "08012345678"
}

response = requests.post(url, json=payload, headers=headers)
print(response.json())

curl -X POST https://fundsvera.co/api/v1/create-virtual-account \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Public-Key: YOUR_PUBLIC_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "email": "[email protected]",
    "name": "Bolaji Olami",
    "bank_code": "100033",
    "phone": "08012345678"
  }'

Initiate Bank Transfer

<?php
$curl = curl_init();
curl_setopt_array($curl, [
    CURLOPT_URL => 'https://fundsvera.co/api/v1/secured-checkout',
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST => true,
    CURLOPT_HTTPHEADER => [
        'Authorization: Bearer YOUR_SECRET_KEY',
        'Public-Key: YOUR_PUBLIC_KEY',
        'Content-Type: application/json'
    ],
    CURLOPT_POSTFIELDS => json_encode([
        'customer_email' => '[email protected]',
        'customer_name' => 'Bolaji Ola',
        'amount' => 5000,
        'request_id' => 'unique-ref-1234567890abcdefghijk',
        'redirect_url' => 'https://your-website.com/sucess-page'
    ])
]);
$response = curl_exec($curl);
curl_close($curl);
?>

const axios = require('axios');

async function initBankTransfer() {
    const res = await axios.post(
        'https://fundsvera.co/api/v1/secured-checkout',
        {
            customer_email: '[email protected]',
            customer_name: 'Bolaji Ola',
            amount: 5000,
            request_id: 'unique-ref-1234567890abcdefghijk',
            redirect_url: 'https://your-website.com/sucess-page'
        },
        {
            headers: {
                'Authorization': 'Bearer YOUR_SECRET_KEY',
                'Public-Key': 'YOUR_PUBLIC_KEY',
                'Content-Type': 'application/json'
            }
        }
    );
    console.log(res.data);
}
initBankTransfer();

import requests

url = "https://fundsvera.co/api/v1/secured-checkout"
headers = {
    "Authorization": "Bearer YOUR_SECRET_KEY",
    "Public-Key": "YOUR_PUBLIC_KEY",
    "Content-Type": "application/json"
}
payload = {
    "customer_email": "[email protected]",
    "customer_name": "Bolaji Ola",
    "amount": 5000,
    "request_id": "unique-ref-1234567890abcdefghijk",
    "redirect_url": "https://your-website.com/sucess-page"
}
response = requests.post(url, json=payload, headers=headers)
print(response.json())

curl -X POST https://fundsvera.co/api/v1/secured-checkout \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Public-Key: YOUR_PUBLIC_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "customer_email": "[email protected]",
    "customer_name": "Bolaji Ola",
    "amount": 5000,
    "request_id": "unique-ref-1234567890abcdefghijk",
    "redirect_url": "https://your-website.com/sucess-page"
  }'

Coming Soon

Upcoming Features

📊 Transaction History - Retrieve detailed transaction history
💰 Balance Inquiry - Check virtual account balances
🔄 Bulk Operations - Create multiple accounts at once
📱 USSD Integration - USSD payment capabilities
📈 Analytics & Reporting - Advanced analytics dashboard

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Error Codes

HTTP Status Codes

Status	Code	Description
200	OK	Request successful
400	Bad Request	Invalid parameters
401	Unauthorized	Invalid API keys
403	Forbidden	Insufficient permissions
404	Not Found	Resource not found
500	Server Error	Internal server issue

Still having issues?

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Fundsvera

Navigation

Welcome to Fundsvera API

Free API Integration Support! 🎉

Core Features

Authentication

API Credentials

Required Headers

Virtual Account (Create)

Request Parameters

Example Request

Success Response (200 OK)

Initiate Bank Transfer (Secured Checkout)

Request Parameters

Example Request

Success Response (200 OK)

Error Responses

Webhook Security

How to Verify

Verification Code Examples

Bank Transfer Webhook

Webhook Payload Example

Webhook Handler Code

Virtual Account Webhook

Payment Received Webhook (Example)

Webhook Handler Code

Code Samples

Free Integration Support

Create Virtual Account

Initiate Bank Transfer

Coming Soon

Upcoming Features

Be the first to know!

Error Codes

HTTP Status Codes

Still having issues?