POST /account/api/create_account

Create a current account for a branch or store location. Each account is linked to your main pool account and can hold a separate balance.

Use this endpoint to provision a current account for a branch, department, or store location within your business. The account is linked to your main pool account, and you can use each current account as an independent settlement target or as the parent pool for virtual accounts. Your business account must be active before you can call this endpoint.

Endpoint

POST https://baasapi.payrepmfb.com/api/v1/account/api/create_account

Sandbox

POST https://shogun-dev.xchangeboxng.com/api/v1/account/api/create_account

Authentication

Include your Bearer token in the Authorization header:

Authorization: Bearer <access_token>

Obtain a token from Generate Token.

Request body

account_name · string

A human-readable label for the account — for example, "Lagos Branch Sales" or "Warehouse Store". If omitted, the system generates a default name. Maximum 255 characters.

Example request

curl --request POST \
  --url https://baasapi.payrepmfb.com/api/v1/account/api/create_account \
  --header 'Authorization: Bearer <access_token>' \
  --header 'Content-Type: application/json' \
  --data '{
    "account_name": "Lagos Branch Sales"
  }'

Response

All responses follow the standard envelope format: status, response_code, message, and data.

Success

status · boolean

true when the request succeeds.

response_code · string

"00" on success.

message · string

Human-readable result message.

data · object

The created account object.

Show data fields

account_number · string

The unique 10-digit account number assigned by the core banking system.

account_name · string

The name of the account as registered in the core banking system.

account_type · string

Always "current" for accounts created by this endpoint.

status · string

Account status — "active" immediately after creation.

balance · string

Current balance in NGN. Starts at "0.000000000".

last_balance_update · string | null

ISO 8601 timestamp of the most recent balance change, or null if no transactions have occurred.

{
  "status": true,
  "response_code": "00",
  "message": "Account created successfully",
  "data": {
    "account_number": "7801234567",
    "account_name": "Lagos Branch Sales",
    "account_type": "current",
    "status": "active",
    "balance": "0.000000000",
    "last_balance_update": null
  }
}

Error codes

Code	Meaning
00	Success
41	Customer not found — your API credentials are invalid
60	Customer not active — your business account must be activated first
80	Service unavailable — the core banking provider is temporarily down
83	Provider error — the core banking system rejected the request (for example, an account limit has been reached)