Dedicated Virtual Accounts - Tabs

Tabs provides merchants with dedicated Nigerian NUBAN virtual bank accounts. Inbound bank transfers from any Nigerian commercial bank, microfinance bank, or mobile money wallet settle automatically into your NGN merchant wallet via the Nigeria Inter-Bank Settlement System (NIP).

How virtual accounts work

Account allocation: Your merchant account is assigned dedicated NUBAN bank accounts backed by partner financial institutions (such as Wema Bank or Providus Bank).
Payment collection: You display these account details to customers, clients, or counterparties.
Instant settlement: Payers transfer funds via local bank mobile apps, USSD, or internet banking.
Automated credit & webhook: Within seconds of settlement, Tabs credits your NGN wallet and fires a deposit.credited webhook.

Fetching virtual account details

You can retrieve your assigned virtual account details using the API:

curl -X GET "https://api.tabsglobal.co/v1/wallets/virtual-account" \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json"

const response = await fetch("https://api.tabsglobal.co/v1/wallets/virtual-account", {
  method: "GET",
  headers: {
    "Authorization": `Bearer ${process.env.TABS_SECRET_KEY}`,
    "Content-Type": "application/json",
  },
});

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

import requests

url = "https://api.tabsglobal.co/v1/wallets/virtual-account"
headers = {
    "Authorization": f"Bearer {API_KEY}",
    "Content-Type": "application/json",
}

response = requests.get(url, headers=headers)
print(response.json())

Sample response

{
  "accountNumber": "9948102941",
  "accountName": "TABS / ACME VENTURES",
  "bankName": "Wema Bank",
  "bankCode": "035",
  "currency": "NGN",
  "status": "ACTIVE"
}

Receiving deposit webhooks

When a payer completes a bank transfer to your virtual account, Tabs dispatches the deposit.credited event:

{
  "id": "evt_1a2b3c4d-5e6f-7a8b-9c0d-1e2f3a4b5c6d",
  "type": "deposit.credited",
  "createdAt": "2026-09-21T02:30:15.120Z",
  "data": {
    "depositId": "dep_8f7e6d5c-4b3a-2109-8765-43210fedcba9",
    "currency": "NGN",
    "amount": "150000.00",
    "channel": "VIRTUAL_ACCOUNT",
    "senderName": "OLUMIDE JOHNSON",
    "reference": "NIP-DEP-99481029",
    "creditedAt": "2026-09-21T02:30:14.980Z"
  }
}

For more details on handling webhooks, see the Webhook overview.