> For the complete documentation index, see [llms.txt](https://chamsswitch.gitbook.io/pelpay-payment-gateway-v1-documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://chamsswitch.gitbook.io/pelpay-payment-gateway-v1-documentation/virtual-account-payment.md).

# Virtual Account Payment

## Virtual Bank transfer

### Initiate Dynamic Virtual Account Transaction

This API allows you to generate a Dynamic Virtual Account to be assigned to a customer. This is used to initiate a transaction.

#### Request Endpoint

{% embed url="<https://api.pelpay.ng/Payment/process/banktransfer/:adviceReference>" %}

#### Request Body

```json
{
  "bankCode": "035"
}
```

#### Response

**Response Codes**

* **200:** Success
* **400:** Bad Request

**Response Body Example**

```json
{
  "requestSuccessful": true,
  "responseData": {
    "bankName": "Pelpay | Chams ltd",
    "bankCode": "035",
    "bankAccount": "8388485453",
    "paymentReference": "0866ac2d-dadc-40b0-a56f-a2eb7a1cc878",
    "status": "Processing",
    "message": "Processing",
    "amount": 6000,
    "amountPaid": 0,
    "callBackUrl": "https://your_callback_url.com/?adviceReference=ffe1a559-5d9e-47fe-85t7-042316478040&paymentReference=0866ac2d-dadc-40b0-a56f-a2rt7a1cc869",
    "customerName": "Chams Switch"
  },
  "message": "Successful",
  "responseCode": "00"
}
```

### Simulate Payment Endpoint

To Simulate payment, ensure you pass the bearer token retrieved from the authentication login endpoint as the Authorization header to authenticate and authorize the request.

#### **Request Headers:**

* **`Authorization: Bearer {token}`**

This API allows you to push test transactions. Please note that this API is to be used only on the sandbox environment.

**Endpoint:**

{% embed url="<https://api.pelpay.ng/Payment/process/banktransfer/simulate/payment>" %}

#### **Request Body:**

```json
{
    "virtualAccountNumber": "8388485453",
    "amount": "6000"
}
```

#### **Response:**

```json
{
    "requestSuccessful": true,
    "responseData": {
        "bankName": "Pelpay | Chams ltd",
        "bankCode": "035",
        "bankAccount": "8388485453",
        "paymentReference": "c2ea27cbd3cf46f0af99395e0f25wtrs",
        "status": "Successful",
        "message": "Successful",
        "amount": 6000.00,
        "amountPaid": 6000,
        "callBackUrl": "https://your_callback_url.com?adviceReference=fe7b2373-e3c8-488b-a45b-94511a3e2120&paymentReference=c2ea27cbd3cf46f0af99395e0f25caed",
        "customerName": "Chams Switch"
    },
    "message": "Successful",
    "responseCode": "00"
}
```


---

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