DYNAMIC PAYMENTS

Create Dynamic Account

Create a one-time virtual bank account for fixed-amount bank transfer payments and time-limited collections.

POST /v1/payments/dynamic-account

Create a one-time virtual bank account tied to a specific payment amount. Use this dynamic virtual account for fixed-amount bank transfer payments. The account expires after 15 minutes if no payment is received.

Use this endpoint to

Generate a temporary virtual bank account for a single payment
Collect fixed-amount customer bank transfers
Support time-limited payment collection workflows

Request

Headers

Header	Value
`Authorization`	`Bearer {access_token}`
`Content-Type`	`application/json`

Body Parameters

Parameter	Type	Required	Description
`reference`	string	✅	Unique merchant-generated reference for this payment
`amount`	number	✅	Expected payment amount
`currency`	string	✅	Currency code (e.g. `NGN`)
`description`	string	❌	Optional description or note for the payment

Code Samples

const axios = require("axios");

const response = await axios.post(
  "https://sandbox.hitchpay.ng/v1/payments/dynamic-account",
  {
    reference: "1232456789",
    amount: 1000,
    currency: "NGN",
    description: "Testing"
  },
  {
    headers: {
      Authorization: `Bearer ${process.env.ACCESS_TOKEN}`,
      "Content-Type": "application/json"
    }
  }
);

console.log(response.data);

<?php

$ch = curl_init();

curl_setopt_array($ch, [
  CURLOPT_URL => "https://sandbox.hitchpay.ng/v1/payments/dynamic-account",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_POST => true,
  CURLOPT_POSTFIELDS => json_encode([
    "reference"   => "1232456789",
    "amount"      => 1000,
    "currency"    => "NGN",
    "description" => "Testing"
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer YOUR_ACCESS_TOKEN",
    "Content-Type: application/json"
  ]
]);

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

echo $response;

import requests

url = "https://sandbox.hitchpay.ng/v1/payments/dynamic-account"

headers = {
    "Authorization": "Bearer YOUR_ACCESS_TOKEN",
    "Content-Type": "application/json"
}

data = {
    "reference": "1232456789",
    "amount": 1000,
    "currency": "NGN",
    "description": "Testing"
}

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

Response

200 — Success

{
  "status": "success",
  "message": "Dynamic account generated. Awaiting payment.",
  "data": {
    "tracking_id": "EXTPAYA2165E437665",
    "merchant_reference": "1232456789",
    "account_number": "6020006173",
    "account_name": "HitchAfricaTech Checkout",
    "amount": 1000,
    "currency": "NGN",
    "valid_for": 900,
    "expires_in": "15 minutes",
    "status": "pending"
  }
}

Response Fields

Field	Description
`tracking_id`	Use this to retrieve payment status
`account_number`	Virtual account number to share with the payer
`account_name`	Account name to share with the payer
`valid_for`	Validity window in seconds (900 = 15 minutes)
`expires_in`	Human-readable expiry window
`status`	Initial status — always `pending` on creation

Next Steps

Share the account_number and account_name with your customer for them to make the transfer, then track status via Retrieve Dynamic Payment.

Questions? Email [email protected]. Also on GitBook.