curl --request POST \
  --url https://business-api.userivo.co/business/v1/virtual-accounts/ngn/temporary \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "firstName": "John",
  "lastName": "Doe",
  "bvn": "12345678901",
  "reference": "ref_temp_123",
  "email": "john.doe@example.com",
  "expiresInMinutes": 1440
}
'

import requests

url = "https://business-api.userivo.co/business/v1/virtual-accounts/ngn/temporary"

payload = {
    "firstName": "John",
    "lastName": "Doe",
    "bvn": "12345678901",
    "reference": "ref_temp_123",
    "email": "john.doe@example.com",
    "expiresInMinutes": 1440
}
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({
    firstName: 'John',
    lastName: 'Doe',
    bvn: '12345678901',
    reference: 'ref_temp_123',
    email: 'john.doe@example.com',
    expiresInMinutes: 1440
  })
};

fetch('https://business-api.userivo.co/business/v1/virtual-accounts/ngn/temporary', 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://business-api.userivo.co/business/v1/virtual-accounts/ngn/temporary",
  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([
    'firstName' => 'John',
    'lastName' => 'Doe',
    'bvn' => '12345678901',
    'reference' => 'ref_temp_123',
    'email' => 'john.doe@example.com',
    'expiresInMinutes' => 1440
  ]),
  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://business-api.userivo.co/business/v1/virtual-accounts/ngn/temporary"

	payload := strings.NewReader("{\n  \"firstName\": \"John\",\n  \"lastName\": \"Doe\",\n  \"bvn\": \"12345678901\",\n  \"reference\": \"ref_temp_123\",\n  \"email\": \"john.doe@example.com\",\n  \"expiresInMinutes\": 1440\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://business-api.userivo.co/business/v1/virtual-accounts/ngn/temporary")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"firstName\": \"John\",\n  \"lastName\": \"Doe\",\n  \"bvn\": \"12345678901\",\n  \"reference\": \"ref_temp_123\",\n  \"email\": \"john.doe@example.com\",\n  \"expiresInMinutes\": 1440\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://business-api.userivo.co/business/v1/virtual-accounts/ngn/temporary")

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  \"firstName\": \"John\",\n  \"lastName\": \"Doe\",\n  \"bvn\": \"12345678901\",\n  \"reference\": \"ref_temp_123\",\n  \"email\": \"john.doe@example.com\",\n  \"expiresInMinutes\": 1440\n}"

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

{
  "status": "success",
  "message": "Virtual account created successfully",
  "data": {
    "accountNumber": "9876543210",
    "accountName": "John Doe",
    "bankName": "Rivo Bank",
    "reference": "ref_temp_123",
    "type": "temporary",
    "status": "active",
    "expiresAt": "2026-07-11T12:00:00.000Z"
  }
}

{
  "status": "error",
  "message": "Virtual account rejected: Customer verification failed (sandbox)",
  "data": {
    "accountNumber": null,
    "accountName": null,
    "bankName": null,
    "reference": "ref_reject_001",
    "type": "temporary",
    "status": "rejected",
    "reason": "Customer verification failed (sandbox)"
  }
}