Pay with bank transfer (PWBT) allows you to receive payments via bank transfers initiated by customers. Each payment is made into a virtual bank account linked to your settlement wallet.

You can generate either a dynamic or static virtual bank account to accept these payments:

Dynamic accounts are generated per transaction and expire after use. Ideal for one-time payments.
Static accounts are permanent and reusable, making them suitable for recurring payments.

PWBT is currently available for transactions in NGN (Nigerian Naira) and GHS (Ghanaian Cedi) only.

Pay With Bank (PWB) vs Pay With Bank Transfer (PWBT)

While both options involve a customer's bank account, the payment experience differs:

Pay with Bank (PWB) debits the customer's bank account directly after online authentication.
Pay with Bank Transfer (PWBT) requires the customer to manually initiate a transfer from their bank app.

Feature	Pay with Bank (PWB)	Pay with Bank Transfer (PWBT)
Transaction Type	Asynchronous (requires webhook or callback)	Asynchronous (requires webhook or callback)
Authentication Type	Online banking login	Customer-initiated transfer (PIN input)
In-app/Browser support	Yes (redirect to customer’s bank page)	No

Requirements

Before integrating mobile money payments, complete the following steps:

Retrieve your API keys from the dashboard.
Notify your customers that they will need to complete the payment by initiating a transfer from their bank account.

How PWBT Works

Customers using Pay with Bank Transfer (PWBT) must complete their payment by transferring funds to a system-generated bank account.

The transaction is only successful once the customer initiates and completes the transfer to the provided virtual account.

Payment Flow

Follow these steps to accept payments via bank transfer:

Generate the virtual account details: Create a static or dynamic virtual bank account linked to the transaction.
Display the account details to the customer – Prompt the customer to transfer the specified amount to the generated account.
Listen for webhooks – Monitor the webhook events associated with the virtual account to detect successful transfers.
Verify the payment – Before fulfilling the order or service, confirm:
- status is successful
- amount matches the expected amount
- customer_id is valid
- id (transaction reference) is consistent with the original request

How to Create Virtual Accounts

You can receive payments through either a static or dynamic virtual account. Although both types look and feel the same to customers, they operate quite differently.

Static Virtual accounts

Static virtual accounts (also called permanent accounts) do not expire. Once created, they can be assigned to a single customer and reused for multiple transactions.

📘
Static Account Validity
Static accounts return an expiry date set to 100 years from their creation date.

To create a static virtual account, collect the following customer information:

Customer name, preferably the first and last name.
Customer email.
The Customer's national identification number. For NGN virtual accounts, either of the following is required:
1. Bank Verification Number (BVN)
2. National Identification Number (NIN)

Use the Customer's personal Identification information (PII): the name and email to create a customer object. Store the customer_id from the response for the next step.

curl --location 'https://api.flutterwave.cloud/developersandbox/customers' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--data-raw '{
  "name": {
    "first": "Cornelius",
    "last": "Ashley-Osuzoka"
  },
  "email": "[email protected]"
}'

You'll get a response similar to this:

{
    "status": "success",
    "message": "Customer created",
    "data": {
        "id": "cus_WWVaC0InrN",
        "email": "[email protected]",
        "name": {
            "first": "Cornelius",
            "last": "Ashley-Osuzoka"
        },
        "meta": {},
        "created_datetime": "2025-06-02T07:40:48.637002170Z"
    }
}

Use the customer_id along with other required details to create the virtual account using the create virtual account endpoint.

curl --location 'https://api.flutterwave.cloud/developersandbox/virtual-accounts' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--header 'Content-Type: application/json' \
--data '{
    "reference": "1ca9e18f-f038-436f-b32b-3b7facdb1e13",
    "customer_id": "cus_WWVaC0InrN",
    "amount": 1500,
    "currency": "NGN",
    "account_type": "static",
    "narration": "Cornelius Ashley-Osuzoka",
    "bvn": "12345678901"
}'

On a successful request, you'll get a response similar to this:

{
    "status": "success",
    "message": "Virtual account created",
    "data": {
        "id": "van_b6v7ZkuLug",
        "amount": 0,
        "account_number": "3788163576",
        "reference": "deac44b2-f8bd-4492-be07-bc25e5c4b159",
        "account_bank_name": "WEMA BANK",
        "account_type": "static",
        "status": "active",
        "account_expiration_datetime": "3024-10-03T07:46:47.519984192Z",
        "note": "Please make a bank transfer to Cornelius Ashley-Osuzoka",
        "customer_id": "cus_WWVaC0InrN",
        "created_datetime": "2025-06-02T07:46:47.529511629Z",
        "meta": {}
    }
}

A failed response looks like this:

{
    "status": "failed",
    "error": {
        "type": "REQUEST_NOT_VALID",
        "code": "10400",
        "message": "Request is not valid",
        "validation_errors": [
            {
                "field_name": "bvn",
                "message": "bvn must be exactly 11 characters long and a signed integer"
            }
        ]
    }
}

Dynamic Virtual Accounts

Dynamic virtual accounts are temporary and expire after a set period. They're intended for one-time use or time-bound payments.

❗️
Dynamic Account Usage
Do not allow customers to save dynamic account details. These details are non-reusable and expire after the specified duration.

You must define an expiry when creating a dynamic account.

Maximum expiry: 365 days (or 31536000 seconds)
Default (if not specified): 1 hour (3600 seconds)

To create a dynamic account, you'll first need to set up the customer object.

curl --location 'https://api.flutterwave.cloud/developersandbox/customers' \
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--data-raw '{
  "name": {
    "first": "Cornelius",
    "last": "Ashley-Osuzoka"
  },
  "email": "[email protected]"
}'

You'll get a response similar to this:

{
    "status": "success",
    "message": "Customer created",
    "data": {
        "id": "cus_WWVaC0InrN",
        "email": "[email protected]",
        "name": {
            "first": "Cornelius",
            "last": "Ashley-Osuzoka"
        },
        "meta": {},
        "created_datetime": "2025-06-02T07:40:48.637002170Z"
    }
}

Send the customer_id and other relevant information to the create virtual account endpoint. Be sure to set account_type to dynamic and specify the expiry period.

curl --location 'https://api.flutterwave.cloud/developersandbox/virtual-accounts' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--header 'Content-Type: application/json' \
--data '{
    "reference": "a4d5f6b8-a785-4d41-8932-50fd8288aec8,
    "customer_id": "cus_WWVaC0InrN",
    "expiry": 60,
    "amount": 1500,
    "currency": "NGN",
    "account_type": "dynamic",
    "narration": "Cornelius Ashley-Osuzoka",
    "bvn": "12345678901"
}'

On a successful request, you'll get a response similar to this:

{
    "status": "success",
    "message": "Virtual account created",
    "data": {
        "id": "van_fRiLt0WNsj",
        "amount": 1500,
        "account_number": "4032866864",
        "reference": "9d961ebf-6e51-4970-a334-af6a39325930",
        "account_bank_name": "WEMA BANK",
        "account_type": "dynamic",
        "status": "active",
        "account_expiration_datetime": "2025-06-02T08:03:21.369640550Z",
        "note": "Please make a bank transfer to Cornelius Ashley-Osuzoka",
        "customer_id": "cus_WWVaC0InrN",
        "created_datetime": "2025-06-02T08:02:21.383710209Z",
        "meta": {}
    }
}

A failed response looks like this:

{
    "status": "failed",
    "error": {
        "type": "REQUEST_NOT_VALID",
        "code": "10400",
        "message": "Request is not valid",
        "validation_errors": [
            {
                "field_name": "bvn",
                "message": "bvn must be exactly 11 characters long and a signed integer"
            }
        ]
    }
}

Verifying PWBT Transactions

❗️
Webhook Requirement
Before proceeding, ensure you’ve read our webhook management guide for proper webhook setup and handling.

When a customer completes a transfer to a virtual account, Flutterwave sends a charge.completed webhook to your configured webhook URL. This webhook contains details about the transaction and the associated customer.

{
  "webhook_id": "wbk_xCBGoxP44NzL74hcCJiV",
  "timestamp": 1748850422635,
  "type": "charge.completed",
  "data": {
    "id": "chg_zH0BLoNltt",
    "amount": 175,
    "currency": "NGN",
    "customer": {
      "id": "cus_WWVaC0InrN",
      "address": null,
      "email": "[email protected]",
      "name": {
        "first": "Cornelius",
        "middle": null,
        "last": "Ashley-Osuzoka"
      },
      "phone": null,
      "meta": {},
      "created_datetime": "2025-06-02T07:40:48.637Z"
    },
    "description": null,
    "meta": {},
    "payment_method": {
      "type": "bank_transfer",
      "bank_transfer": {
        "account_expires_in": null,
        "account_display_name": null,
        "account_type": null
      },
      "id": "pmd_NzbQZvbnPj",
      "customer_id": null,
      "meta": {},
      "device_fingerprint": null,
      "client_ip": null,
      "created_datetime": "2025-06-02T07:46:47.520Z"
    },
    "redirect_url": null,
    "reference": "deac44b2-f8bd-4492-be07-bc25e5c4b159",
    "status": "succeeded",
    "processor_response": {
      "type": "approved",
      "code": "00"
    },
    "created_datetime": "2025-06-02T07:47:02.537812148Z"
  }
}

Use the data.id from the webhook to verify the transaction.

curl --location 'https://api.flutterwave.cloud/developersandbox/charges/chg_HJRm0DeDIN' \
--header 'Accept: application/json' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}'

You'll get a response similar to this:

{
    "status": "success",
    "message": "Charge fetched",
    "data": {
        "id": "chg_zH0BLoNltt",
        "amount": 175,
        "fees": [
            {
                "type": "vat",
                "amount": 0
            },
            {
                "type": "app",
                "amount": 0
            },
            {
                "type": "merchant",
                "amount": 0
            },
            {
                "type": "stamp_duty",
                "amount": 0
            }
        ],
        "currency": "NGN",
        "customer_id": "cus_WWVaC0InrN",
        "settled": true,
        "settlement_id": [
            "stm_XPx038OwdI"
        ],
        "meta": {},
        "payment_method_details": {
            "type": "bank_transfer",
            "bank_transfer": {},
            "id": "pmd_NzbQZvbnPj",
            "meta": {},
            "created_datetime": "2025-06-02T07:46:47.520Z"
        },
        "reference": "deac44b2-f8bd-4492-be07-bc25e5c4b159",
        "status": "succeeded",
        "processor_response": {
            "type": "approved",
            "code": "00"
        },
        "created_datetime": "2025-06-02T07:47:02.945Z"
    }
}

Before confirming payment or fulfilling an order:

status is succeeded.
amount matches the expected charge.
currency is correct.
customer_id matches the user.
reference is consistent with your internal tracking.

After verifying your transaction, you can track all the payments made into a virtual account by querying the charge list using the virtual account's ID.

curl --location 'https://api.flutterwave.cloud/developersandbox/charges?virtual_account_id=van_b6v7ZkuLug' \
--header 'Accept: application/json' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}'

You'll get a response similar to this:

{
    "status": "success",
    "message": "Charges fetched",
    "meta": {
        "page_info": {
            "total": 1,
            "current_page": 1,
            "total_pages": 1
        }
    },
    "data": [
        {
            "id": "chg_zH0BLoNltt",
            "amount": 175,
            "fees": [
                {
                    "type": "vat",
                    "amount": 0
                },
                {
                    "type": "app",
                    "amount": 0
                },
                {
                    "type": "merchant",
                    "amount": 0
                },
                {
                    "type": "stamp_duty",
                    "amount": 0
                }
            ],
            "currency": "NGN",
            "customer_id": "cus_WWVaC0InrN",
            "settled": true,
            "settlement_id": [
                "stm_XPx038OwdI"
            ],
            "meta": {},
            "payment_method_details": {
                "type": "bank_transfer",
                "bank_transfer": {},
                "id": "pmd_NzbQZvbnPj",
                "meta": {},
                "created_datetime": "2025-06-02T07:46:47.520Z"
            },
            "reference": "deac44b2-f8bd-4492-be07-bc25e5c4b159",
            "status": "succeeded",
            "processor_response": {
                "type": "approved",
                "code": "00"
            },
            "created_datetime": "2025-06-02T07:47:02.945Z"
        }
    ]
}

Testing your integration

Use the X-Scenario-Key header to simulate transaction outcomes during testing.

Simulate a successful transaction by specifying issuer:approved.

curl --location 'https://api.flutterwave.cloud/developersandbox/virtual-accounts' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'X-Scenario-Key: issuer:approved' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--header 'Content-Type: application/json' \
--data '{
    "reference": "cb0e10d5-f59e-424b-af44-65445ae4472b",
    "customer_id": "cus_WWVaC0InrN",
    "amount": 1500,
    "currency": "NGN",
    "account_type": "static",
    "narration": "Cornelius Ashley-Osuzoka",
    "bvn": "12345678901"
}'

A failed transfer using the issuer:failed.

curl --location 'https://api-sit.flutterwave.cloud/developersandbox/virtual-accounts' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'X-Scenario-Key: issuer:failed' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--header 'Content-Type: application/json' \
--data '{
    "reference": "cb0e10d5-f59e-424b-af44-65445ae4472b",
    "customer_id": "cus_WWVaC0InrN",
    "amount": 1500,
    "currency": "NGN",
    "account_type": "static",
    "narration": "Cornelius Ashley-Osuzoka",
    "bvn": "12345678901"
}'

Next Steps

That’s it! You’ve now successfully integrated the bank transfer payment method. It doesn't end there, there is more:

Learn about settlements of successful payments into your Flutterwave balance.
For cases where refunds are necessary, see the refunds guide for more information on how to process transaction refunds.

Pay With Bank Transfer

Pay With Bank (PWB) vs Pay With Bank Transfer (PWBT)

Requirements

How PWBT Works

Payment Flow

How to Create Virtual Accounts

Static Virtual accounts

📘
Static Account Validity

Dynamic Virtual Accounts

❗️
Dynamic Account Usage

Verifying PWBT Transactions

❗️
Webhook Requirement

Testing your integration

Next Steps

Pay With Bank (PWB) vs Pay With Bank Transfer (PWBT)

Requirements

How PWBT Works

Payment Flow

How to Create Virtual Accounts

Static Virtual accounts

📘Static Account Validity

Dynamic Virtual Accounts

❗️Dynamic Account Usage

Verifying PWBT Transactions

❗️Webhook Requirement

Testing your integration

Next Steps

📘
Static Account Validity

❗️
Dynamic Account Usage

❗️
Webhook Requirement