curl --request POST \
  --url https://api.platform.chipper.ai/v1/virtual-accounts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "currency": "<string>",
  "externalReference": "<string>",
  "metadata": {}
}
'

import requests

url = "https://api.platform.chipper.ai/v1/virtual-accounts"

payload = {
    "currency": "<string>",
    "externalReference": "<string>",
    "metadata": {}
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({currency: '<string>', externalReference: '<string>', metadata: {}})
};

fetch('https://api.platform.chipper.ai/v1/virtual-accounts', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.platform.chipper.ai/v1/virtual-accounts",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'currency' => '<string>',
    'externalReference' => '<string>',
    'metadata' => [
        
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.platform.chipper.ai/v1/virtual-accounts"

	payload := strings.NewReader("{\n  \"currency\": \"<string>\",\n  \"externalReference\": \"<string>\",\n  \"metadata\": {}\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.platform.chipper.ai/v1/virtual-accounts")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"currency\": \"<string>\",\n  \"externalReference\": \"<string>\",\n  \"metadata\": {}\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.platform.chipper.ai/v1/virtual-accounts")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"currency\": \"<string>\",\n  \"externalReference\": \"<string>\",\n  \"metadata\": {}\n}"

response = http.request(request)
puts response.read_body

{
  "virtualAccount": {
    "id": "va_k3m9x2pq7wz4t6vbn8hd",
    "status": "active",
    "currency": "NGN",
    "bank": "Wema Bank",
    "accountNumber": "7812345678",
    "accountName": "Chipper / Acme Ltd",
    "externalReference": "customer-8841",
    "createdAt": "2026-08-01T09:12:44.000Z",
    "metadata": {},
    "updatedAt": "2023-11-07T05:31:56Z"
  }
}

{
  "error": "validation_error",
  "message": "Request validation failed",
  "requestId": "req_q7vei435zifs51ia0lqr"
}

{
  "error": "unauthorized",
  "message": "Invalid API key",
  "requestId": "req_q7vei435zifs51ia0lqr"
}

{
  "error": "forbidden",
  "message": "API key does not have the required scope",
  "requestId": "req_q7vei435zifs51ia0lqr"
}

{
  "error": "unprocessable",
  "message": "A GHS account needs an organization representative. Set one at PUT /v1/organization/representative.",
  "requestId": "req_q7vei435zifs51ia0lqr"
}

{
  "error": "provider_error",
  "message": "UMB error: This phone number is already registered at UMB to a different Ghana Card",
  "requestId": "req_q7vei435zifs51ia0lqr"
}