Virtual accounts

Give customers a bank account number to pay into by transfer. Payments into it arrive as normal charge.completed webhooks, so ChargeCompleted handles them.

One payment (dynamic)

A single-use NGN or GHS account for an exact amount, which expires (Flutterwave's default is one hour):

use Flutterwave\Payments\Facades\Flutterwave;

$account = Flutterwave::virtualAccounts()->dynamicFor(
    email: $order->user->email,
    amount: $order->total,
    txRef: $order->reference,
    options: ['expires' => 1800],   // seconds
);

dynamic($email, $amount, $options) does the same without a reference of your own. The amount must be above zero, and only NGN and GHS are supported.

Show it with the VirtualAccount component (Blade, React, Vue or Svelte), which displays the bank, account number, amount and a countdown.

A permanent account

Static accounts need the customer's BVN in Nigeria:

Flutterwave::virtualAccounts()->create([
    'email' => $user->email,
    'is_permanent' => true,
    'bvn' => $bvn,
    'tx_ref' => "VA-{$user->id}",
    'firstname' => $user->first_name,
    'lastname' => $user->last_name,
    'narration' => $user->name,
]);

Manage

Flutterwave::virtualAccounts()->find($orderRef);
Flutterwave::virtualAccounts()->updateBvn($orderRef, $bvn);
Flutterwave::virtualAccounts()->delete($orderRef);

Flutterwave::virtualAccounts()->bulk([...]);
Flutterwave::virtualAccounts()->findBulk($batchId);

BVN consent

$consent = Flutterwave::bvn()->requestConsent($bvn, 'Ada', 'Lovelace', route('bvn.callback'));
// redirect the customer to approve, then:
Flutterwave::bvn()->matches($reference, 'Ada', 'Lovelace');   // bool

Payout subaccounts

Hold funds for your own users, each with a static account:

$sub = Flutterwave::payoutSubaccounts()->create('Ada Stores', 'ada@example.com', 'NG');

Flutterwave::payoutSubaccounts()->staticAccount($sub['data']['account_reference']);
Flutterwave::payoutSubaccounts()->balance($sub['data']['account_reference']);