Fincra Virtual Accounts API

openapi: 3.0.1
info:
  title: Fincra Account Resolution Virtual Accounts API
  description: Fincra is an African cross-border payments infrastructure API for collections, payouts/disbursements, FX conversions, quotes, beneficiaries, virtual accounts, bank/account resolution, and webhooks. Requests are authenticated with an `api-key` header and a Bearer access token.
  termsOfService: https://www.fincra.com/terms
  contact:
    name: Fincra Support
    email: support@fincra.com
    url: https://docs.fincra.com
  version: '1.0'
servers:
- url: https://api.fincra.com
  description: Production
- url: https://sandboxapi.fincra.com
  description: Sandbox
security:
- ApiKeyAuth: []
  BearerAuth: []
tags:
- name: Virtual Accounts
paths:
  /profile/virtual-accounts/requests:
    post:
      operationId: requestVirtualAccount
      tags:
      - Virtual Accounts
      summary: Request a virtual account
      description: Request an NGN or foreign-currency virtual account for collections.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/VirtualAccountRequest'
      responses:
        '200':
          description: Virtual account requested
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VirtualAccountResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /profile/virtual-accounts/business:
    get:
      operationId: listVirtualAccounts
      tags:
      - Virtual Accounts
      summary: List virtual accounts
      parameters:
      - name: business
        in: query
        schema:
          type: string
      - $ref: '#/components/parameters/Page'
      - $ref: '#/components/parameters/PerPage'
      responses:
        '200':
          description: List of virtual accounts
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                  data:
                    type: array
                    items:
                      $ref: '#/components/schemas/VirtualAccount'
  /profile/virtual-accounts/{virtualAccountId}:
    get:
      operationId: fetchVirtualAccount
      tags:
      - Virtual Accounts
      summary: Fetch virtual account information
      parameters:
      - $ref: '#/components/parameters/VirtualAccountId'
      responses:
        '200':
          description: Virtual account details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VirtualAccountResponse'
        '404':
          $ref: '#/components/responses/NotFound'
  /profile/virtual-accounts/{virtualAccountId}/payins:
    get:
      operationId: listVirtualAccountPayins
      tags:
      - Virtual Accounts
      summary: List payins into a virtual account
      description: Retrieve all inflows (deposits) made into a virtual account.
      parameters:
      - $ref: '#/components/parameters/VirtualAccountId'
      - $ref: '#/components/parameters/Page'
      - $ref: '#/components/parameters/PerPage'
      responses:
        '200':
          description: List of payins
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                  data:
                    type: array
                    items:
                      $ref: '#/components/schemas/Payin'
components:
  parameters:
    PerPage:
      name: perPage
      in: query
      schema:
        type: integer
        default: 10
    Page:
      name: page
      in: query
      schema:
        type: integer
        default: 1
    VirtualAccountId:
      name: virtualAccountId
      in: path
      required: true
      schema:
        type: string
  schemas:
    Payin:
      type: object
      properties:
        id:
          type: string
        amount:
          type: number
        currency:
          type: string
        reference:
          type: string
        status:
          type: string
        sourceAccountName:
          type: string
        createdAt:
          type: string
          format: date-time
    VirtualAccount:
      type: object
      properties:
        id:
          type: string
        accountNumber:
          type: string
        accountName:
          type: string
        bankName:
          type: string
        currency:
          type: string
        status:
          type: string
    Error:
      type: object
      properties:
        success:
          type: boolean
          example: false
        message:
          type: string
    VirtualAccountResponse:
      type: object
      properties:
        success:
          type: boolean
        data:
          $ref: '#/components/schemas/VirtualAccount'
    VirtualAccountRequest:
      type: object
      required:
      - currency
      - accountType
      - business
      properties:
        currency:
          type: string
        accountType:
          type: string
          enum:
          - individual
          - corporate
        business:
          type: string
        KYCInformation:
          type: object
          properties:
            firstName:
              type: string
            lastName:
              type: string
            email:
              type: string
            bvn:
              type: string
        channel:
          type: string
  responses:
    NotFound:
      description: Resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    Unauthorized:
      description: Authentication failed
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: api-key
      description: Merchant secret API key.
    BearerAuth:
      type: http
      scheme: bearer
      description: Bearer access token issued to the merchant.