Wallet Creation

Overview

The Wallet Creation endpoint establishes a new digital wallet for a validated customer.

This operation creates a regulated wallet account, assigns a unique wallet/account number, and enables the customer to hold and transact funds.

Prerequisites

• Completed Customer Pre-Validation
• Valid processId from validation response
• Customer completed biometric face verification
• Customer's digital signature

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Endpoint

POST /waas/Onboarding/createAccount

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Request Parameters

Required Headers

Header	Value
Authorization	Bearer <access_token>
Ocp-Apim-Subscription-Key	Your access subscription key
Content-Type	application/json

Request Body Fields

Field	Type	Required	Description
requestId	string	Yes	Unique client-side reference for tracking
processId	string	Yes	Identifier from the validation step
merchantId	string	Yes	Your unique merchant identifier
userSignature	string	Yes	Base64-encoded customer signature image

Important

The processId must match the one returned from the Customer Pre-Validation endpoint. Customer details (name, BVN, etc.) are automatically fetched using this processId.

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Request Example

curl -X POST https://api-sandbox.accessbankplc.com/waas/Onboarding/createAccount \
  -H "Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9..." \
  -H "Content-Type: application/json" \
  -d '{
    "requestId": "REQ-2025-002-67890",
    "processId": "PROC-987654321",
    "merchantId": "MRC123456",
    "userSignature": "iVBORw0KGgoAAAANSUhEUgAAAAUA..."
  }'

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Response

Success Response

{
  "succeeded": true,
  "code": "200",
  "message": "Account opening successful",
  "data": {
    "processId": "09a59e4f-9ffb-43qb-8f44-3ca33cee3618",
    "requestId": "string123456789",
    "status": "A",
    "accountNo": "1934639270",
    "timestamp": "NGN",
  },
  "pageMeta": {},
  "errors": {}
}

Response Fields

Field	Type	Description
processId	string	Process identifier from the customer validation step
requestId	string	Client-supplied reference ID for the request
status	string	Account status indicator (A = Active)
accountNo	string	Assigned wallet/account number (10 digits)
timestamp	string	Timestamp of account creation

Save the Account Number

Store the accountNumber in your database - this is the primary identifier for all future operations on this wallet.

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Complete Onboarding Flow

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Error Handling

Common Creation Errors

Code	Message	Cause	Resolution
27	Account has already being opened for user.	BVN already has a wallet under this merchant	Check if wallet exists, retrieve details
404	Process does not exist	Provided processId was not found	Confirm the validation processId and retry
400	Bad Request	Invalid ProcessId or signature	Validate processId matches validation response
99	Generic failure	Unknown or transient failure	Kindly verify that face verification process was successful and try again

Error Response Example

{
  "succeeded": false,
  "code": "27",
  "message": "Wallet has already being opened for user",
  "data": {},
  "pageMeta": {},
  "errors": {}
}

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Wallet Tiers

Wallets are created at Tier 1 by default with the following limits:

Tier	Daily Transaction Limit	Daily Transfer Limit	Balance Limit	Requirements
Tier 1	₦50,000	₦50,000	₦300,000	BVN + Face Verification
Tier 3	₦5,000,000	₦5,000,000	₦5,000,000	BVN + NIN + Valid ID + Proof of Address

Upgrade to Tier 3

To increase limits, use the Account Upgrade endpoint to move customers to Tier 3.

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