Generate Virtual Account

Create a fixed virtual account for a customer reference.

Method	POST
URL	/api/m1/generate-va
Auth	Bearer ZMPRO-… (live) or ZMDEV-… (test)

Body parameters

Field	Required	Example	Description
reference_id	Yes	12345678099	Unique id for this virtual account (your reference).
firstname	No	Demo	Customer first name. Defaults to merchant business name if omitted.
lastname	No	User	Customer last name. Defaults to merchant business name if omitted.
gender	No	MALE	Customer gender (optional).
date_off_birth	No	1992-07-07	Customer date of birth (optional). Note field spelling.

Headers

Header	Value
Authorization	Bearer ZMPRO-your-live-api-key
Content-Type	application/json

Request

cURL

curl -X POST 'https://api.vizo.app/api/m1/generate-va' \
  -H 'Authorization: Bearer ZMPRO-your-live-api-key' \
  -H 'Content-Type: application/json' \
  -d '{
  "reference_id": "12345678099",
  "firstname": "Demo",
  "lastname": "User",
  "gender": "MALE",
  "date_off_birth": "1992-07-07"
}'

TypeScript

const response = await fetch('https://api.vizo.app/api/m1/generate-va', {
  method: 'POST',
  headers: {
    Authorization: 'Bearer ZMPRO-your-live-api-key',
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
  "reference_id": "12345678099",
  "firstname": "Demo",
  "lastname": "User",
  "gender": "MALE",
  "date_off_birth": "1992-07-07"
}),
});

const data = await response.json();
console.log(data);

Python

import requests

url = "https://api.vizo.app/api/m1/generate-va"
headers = {
    "Authorization": "Bearer ZMPRO-your-live-api-key",
    "Content-Type": "application/json",
}
payload = {
  "reference_id": "12345678099",
  "firstname": "Demo",
  "lastname": "User",
  "gender": "MALE",
  "date_off_birth": "1992-07-07"
}

response = requests.request("POST", url, headers=headers, json=payload)
print(response.status_code)
print(response.json())

PHP

<?php

$ch = curl_init('https://api.vizo.app/api/m1/generate-va');
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_CUSTOMREQUEST => 'POST',
    CURLOPT_HTTPHEADER => [
        'Authorization: Bearer ZMPRO-your-live-api-key',
        'Content-Type: application/json',
    ],
    CURLOPT_POSTFIELDS => json_encode([
        'reference_id' => '12345678099',
        'firstname' => 'Demo',
        'lastname' => 'User',
        'gender' => 'MALE',
        'date_off_birth' => '1992-07-07'
    ], JSON_UNESCAPED_SLASHES),
]);

$response = curl_exec($ch);
$status = curl_getinfo($ch, CURLINFO_HTTP_CODE);
curl_close($ch);

echo $status, PHP_EOL, $response, PHP_EOL;

Responses

FAILED Response — 404 Not Found

{
  "status": "FAILED",
  "data": "Virtual account creation failed",
  "message": "External Id already in use"
}

SUCCESS Response — 200 OK

{
  "status": "SUCCESS",
  "data": {
    "id": "P69LQKRdV3JY",
    "gender": null,
    "status": "ACTIVE",
    "accountNo": "1000124856",
    "accountName": "ZuPago 44",
    "referenceId": "12345678096"
  },
  "message": "Success"
}