XtraPay Virtual Account API

Complete integration guide for developers

Quick Start

Get up and running in 5 minutes

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Integration Guide

Complete step-by-step guide

View Guide

API Reference

API endpoints and examples

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Fee Calculator

Calculate transaction fees

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Overview

XtraPay Virtual Accounts allow you to collect payments from customers via bank transfers. When a customer wants to pay, you request a virtual account number from our API, display it to the customer, and receive instant notifications when payment is received.

Features

Easy Integration: Simple REST API with clear documentation
Real-time Notifications: Receive webhooks when payments are received
Secure: API key authentication and transaction isolation
Reliable: 99.9% uptime with automatic failover
Transparent Fees: 1.5% + ₦100 per transaction

Quick Start Steps

Get API Credentials: Log in to xtrapay.cash and get your API Code and API Key
Request Account: Call POST /api/v1/virtual-accounts/request with amount and customer details
Display to Customer: Show the account number and bank details
Receive Payment: Get webhook notification when customer pays
Update Order: Process the payment in your system

API Endpoints

Method	Endpoint	Description
POST	`/api/v1/virtual-accounts/request`	Request a new virtual account number
POST	`/api/v1/virtual-accounts/check-status`	Check payment status for a transaction

Transaction Fees

Fee Structure: 1.5% of transaction amount + ₦100 flat fee

Example: Customer pays ₦10,000
Fees: ₦150 (1.5%) + ₦100 = ₦250
You receive: ₦9,750

Fees are automatically deducted when payment is received. View fee calculator for detailed calculations.

Need Help?

If you need assistance with integration:

Check the Quick Start Guide
Review the Complete Integration Guide
See the API Documentation
Contact support through your dashboard