Dedicated Virtual Accounts
Give every customer their own bank account.
Collect locally in Nigeria with permanent or single-use NUBANs on Wema, Providus and Moniepoint, with automatic reconciliation. Pair local collections with Paddle global accounts for international revenue.
curl -X POST https://api.getpaddle.online/v1/virtual-accounts \
-H "Authorization: Bearer sk_test_..." \
-d '{ "customer_id": "cus_8f2", "bank": "wema", "type": "permanent" }'Capabilities
Everything in Dedicated Virtual Accounts
Permanent customer accounts
One NUBAN per customer for wallet top-ups, rent, school fees or savings.
Dynamic single-use accounts
Expiring accounts locked to an exact amount — perfect for checkout.
Automated webhooks
Signed events the moment funds land, with payer name and bank.
Auto reconciliation
Every credit matched to the right customer and order — no spreadsheets.
How it works
Live in three steps
Create a customer
Request a NUBAN
Receive transfers & webhooks
Works great with
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•••• 4021
Pan-African ambition. Worldwide connections.
Built for Africa.
Connected to the world.
From a local launch to cross-border growth, bring collections, accounts, payouts and treasury together. Choose the products and payment routes that fit your business and destination.
Africa to the world
Connect your African business to customers, teams and suppliers through payouts to 150+ countries.
Get paid across borders
Dedicated global accounts in 18 currencies, with supported local clearing such as ACH, SEPA and Faster Payments.
Local expertise. Global reach.
Combine international accounts and FX with market-specific products — including Nigerian NUBANs, NIP transfers and local bill payments.
Availability depends on the product, country, currency, partner coverage and business verification. Nigerian NUBAN and NIP services are domestic rails, not worldwide payment methods.
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Payout countries
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Account currencies
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Live APIs
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Nigerian banks & wallets
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Integration
Paddle Build Studio
Want us to build it with you?
Build for Africa and the world. Our team can deliver your fintech, web or mobile product in 2–3 weeks — or integrate Paddle APIs and build it yourself.
Security
Bank-grade by default
Encryption everywhere
TLS 1.2+ in transit, AES-256 at rest.
Licensed partners
Banking services through licensed partners; Nigerian accounts through CBN-licensed banks.
Data protection
Data safeguards and privacy controls, including NDPA/NDPR requirements for Nigeria.
Signed webhooks
HMAC-SHA256 signatures on every event.
Trusted by teams building on Paddle APIs