List accounts

curl --request GET \
  --url https://api.panoflow.io/v1/accounts \
  --header 'Authorization: Bearer <token>'

const options = {method: 'GET', headers: {Authorization: 'Bearer <token>'}};

fetch('https://api.panoflow.io/v1/accounts', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

{
  "object": "list",
  "data": [
    {
      "id": "acc_01JCNND0RKATSR2MYBK8VQ3468",
      "object": "account",
      "created_at": "2026-06-02T09:00:00Z",
      "updated_at": "2026-06-02T09:00:00Z",
      "name": "Main",
      "display_name": "Naira · Main",
      "type": "main",
      "is_primary": true,
      "currency": "NGN",
      "status": "active",
      "balances": {
        "available": {
          "amount": 2064050050,
          "currency": "NGN"
        },
        "ledger": {
          "amount": 2064050050,
          "currency": "NGN"
        },
        "in_flight": {
          "amount": 0,
          "currency": "NGN"
        },
        "as_of": "2026-10-28T08:30:00Z"
      },
      "account_name": "Adaeze Logistics Ltd",
      "account_number": "0123456789",
      "bank_name": "Providus Bank",
      "bank_code": "101",
      "routing": [],
      "agent_id": null,
      "opened_at": "2026-06-02T09:00:00Z",
      "closed_at": null,
      "livemode": true
    },
    {
      "id": "acc_01JCQF1Y99G6K6NSAK9M83PSW5",
      "object": "account",
      "created_at": "2026-06-02T09:00:00Z",
      "updated_at": "2026-06-02T09:00:00Z",
      "name": "Payroll",
      "display_name": "Naira · Payroll",
      "type": "payroll",
      "is_primary": false,
      "currency": "NGN",
      "status": "active",
      "balances": {
        "available": {
          "amount": 124268500,
          "currency": "NGN"
        },
        "ledger": {
          "amount": 354013500,
          "currency": "NGN"
        },
        "in_flight": {
          "amount": 229745000,
          "currency": "NGN"
        },
        "as_of": "2026-10-28T08:30:00Z"
      },
      "account_name": "Adaeze Logistics Ltd",
      "account_number": "0123456790",
      "bank_name": "Providus Bank",
      "bank_code": "101",
      "routing": [],
      "agent_id": null,
      "opened_at": "2026-06-02T09:00:00Z",
      "closed_at": null,
      "livemode": true
    },
    {
      "id": "acc_01JCKET6CKWXV0NRDWR7S60V6T",
      "object": "account",
      "created_at": "2026-09-14T10:00:00Z",
      "updated_at": "2026-09-14T10:00:00Z",
      "name": "Savings",
      "display_name": "Naira · Savings",
      "type": "sub",
      "is_primary": false,
      "currency": "NGN",
      "status": "active",
      "balances": {
        "available": {
          "amount": 0,
          "currency": "NGN"
        },
        "ledger": {
          "amount": 0,
          "currency": "NGN"
        },
        "in_flight": {
          "amount": 0,
          "currency": "NGN"
        },
        "as_of": "2026-10-28T08:30:00Z"
      },
      "account_name": "Adaeze Logistics Ltd",
      "account_number": "0123456791",
      "bank_name": "Providus Bank",
      "bank_code": "101",
      "routing": [],
      "agent_id": null,
      "opened_at": "2026-09-14T10:00:00Z",
      "closed_at": null,
      "livemode": true
    }
  ],
  "has_more": false,
  "next_cursor": null
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

GET

accounts

List accounts

curl --request GET \
  --url https://api.panoflow.io/v1/accounts \
  --header 'Authorization: Bearer <token>'

const options = {method: 'GET', headers: {Authorization: 'Bearer <token>'}};

fetch('https://api.panoflow.io/v1/accounts', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

{
  "object": "list",
  "data": [
    {
      "id": "acc_01JCNND0RKATSR2MYBK8VQ3468",
      "object": "account",
      "created_at": "2026-06-02T09:00:00Z",
      "updated_at": "2026-06-02T09:00:00Z",
      "name": "Main",
      "display_name": "Naira · Main",
      "type": "main",
      "is_primary": true,
      "currency": "NGN",
      "status": "active",
      "balances": {
        "available": {
          "amount": 2064050050,
          "currency": "NGN"
        },
        "ledger": {
          "amount": 2064050050,
          "currency": "NGN"
        },
        "in_flight": {
          "amount": 0,
          "currency": "NGN"
        },
        "as_of": "2026-10-28T08:30:00Z"
      },
      "account_name": "Adaeze Logistics Ltd",
      "account_number": "0123456789",
      "bank_name": "Providus Bank",
      "bank_code": "101",
      "routing": [],
      "agent_id": null,
      "opened_at": "2026-06-02T09:00:00Z",
      "closed_at": null,
      "livemode": true
    },
    {
      "id": "acc_01JCQF1Y99G6K6NSAK9M83PSW5",
      "object": "account",
      "created_at": "2026-06-02T09:00:00Z",
      "updated_at": "2026-06-02T09:00:00Z",
      "name": "Payroll",
      "display_name": "Naira · Payroll",
      "type": "payroll",
      "is_primary": false,
      "currency": "NGN",
      "status": "active",
      "balances": {
        "available": {
          "amount": 124268500,
          "currency": "NGN"
        },
        "ledger": {
          "amount": 354013500,
          "currency": "NGN"
        },
        "in_flight": {
          "amount": 229745000,
          "currency": "NGN"
        },
        "as_of": "2026-10-28T08:30:00Z"
      },
      "account_name": "Adaeze Logistics Ltd",
      "account_number": "0123456790",
      "bank_name": "Providus Bank",
      "bank_code": "101",
      "routing": [],
      "agent_id": null,
      "opened_at": "2026-06-02T09:00:00Z",
      "closed_at": null,
      "livemode": true
    },
    {
      "id": "acc_01JCKET6CKWXV0NRDWR7S60V6T",
      "object": "account",
      "created_at": "2026-09-14T10:00:00Z",
      "updated_at": "2026-09-14T10:00:00Z",
      "name": "Savings",
      "display_name": "Naira · Savings",
      "type": "sub",
      "is_primary": false,
      "currency": "NGN",
      "status": "active",
      "balances": {
        "available": {
          "amount": 0,
          "currency": "NGN"
        },
        "ledger": {
          "amount": 0,
          "currency": "NGN"
        },
        "in_flight": {
          "amount": 0,
          "currency": "NGN"
        },
        "as_of": "2026-10-28T08:30:00Z"
      },
      "account_name": "Adaeze Logistics Ltd",
      "account_number": "0123456791",
      "bank_name": "Providus Bank",
      "bank_code": "101",
      "routing": [],
      "agent_id": null,
      "opened_at": "2026-09-14T10:00:00Z",
      "closed_at": null,
      "livemode": true
    }
  ],
  "has_more": false,
  "next_cursor": null
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

Authorizations

Authorization

string

header

required

Server API key, scoped. pk_test_ keys hit the sandbox tenant.

Headers

X-Request-Id

string

Optional client correlation id, up to 128 characters. It is not echoed: the response's X-Request-Id is always our own req_… id. We log your value with the request as client_request_id, so support can find a request by either id. A longer value is refused with 400 parameter_invalid.

Maximum string length: 128

Query Parameters

limit

integer

default:25

Page size, 1–100.

Required range: 1 <= x <= 100

after

string

Cursor from the previous page's next_cursor. Returns older items. Don't send with before.

before

string

Cursor for the reverse direction: returns the items newer than this one. The page is still sorted newest first; has_more and next_cursor then continue in the same (newer) direction, so pass next_cursor as before to keep paging towards the newest items. Don't send with after.

currency

string[]

Comma-separated currencies.

type

string[]

Comma-separated account types.

status

string[]

Comma-separated statuses. Default opening,active.

include

enum<string>

Set to total_count to add total_count to the list response.

Available options:

total_count

Response

OK.

Accounts.

object

string

required

Allowed value: "list"

data

object[]

required

Items, newest first.

Show child attributes

has_more

boolean

required

True when another page exists.

next_cursor

string | null

Cursor for the next page in the same direction: pass it as after if this page was read with after (or no cursor), as before if it was read with before. Null when has_more is false.

total_count

integer

Only when include=total_count was sent.

Accounts & transactions

Payments

Collections

Payroll

Approvals

Webhooks & events

OAuth

List accounts

Authorizations

Headers

Query Parameters

Response