Open a sub-account

curl --request POST \
  --url https://api.panoflow.io/v1/accounts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "name": "Abuja depot",
  "currency": "NGN",
  "type": "sub"
}
'

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({name: 'Abuja depot', currency: 'NGN', type: 'sub'})
};

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

import requests

url = "https://api.panoflow.io/v1/accounts"

payload = {
    "name": "Abuja depot",
    "currency": "NGN",
    "type": "sub"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "id": "acc_01JCREBASA37C6AECXPC9D6NMM",
  "object": "account",
  "created_at": "2026-10-28T08:30:00Z",
  "updated_at": "2026-10-28T08:30:00Z",
  "name": "Abuja depot",
  "display_name": "Naira · Abuja depot",
  "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": "0123456792",
  "bank_name": "Providus Bank",
  "bank_code": "101",
  "routing": [],
  "agent_id": null,
  "opened_at": "2026-10-28T08:30:00Z",
  "closed_at": null,
  "livemode": true
}

{
  "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": {}
  }
}

{
  "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": {}
  }
}

POST

accounts

Open a sub-account

curl --request POST \
  --url https://api.panoflow.io/v1/accounts \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "name": "Abuja depot",
  "currency": "NGN",
  "type": "sub"
}
'

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({name: 'Abuja depot', currency: 'NGN', type: 'sub'})
};

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

import requests

url = "https://api.panoflow.io/v1/accounts"

payload = {
    "name": "Abuja depot",
    "currency": "NGN",
    "type": "sub"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "id": "acc_01JCREBASA37C6AECXPC9D6NMM",
  "object": "account",
  "created_at": "2026-10-28T08:30:00Z",
  "updated_at": "2026-10-28T08:30:00Z",
  "name": "Abuja depot",
  "display_name": "Naira · Abuja depot",
  "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": "0123456792",
  "bank_name": "Providus Bank",
  "bank_code": "101",
  "routing": [],
  "agent_id": null,
  "opened_at": "2026-10-28T08:30:00Z",
  "closed_at": null,
  "livemode": true
}

{
  "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": {}
  }
}

{
  "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

Idempotency-Key

string

Optional on non-money POSTs; honoured when sent.

Required string length: 1 - 255

Body

application/json

"Add a sub-account": it gets its own Providus Bank account number.

name

string

required

E.g. "Savings", "Abuja depot", "Project Kano".

Required string length: 1 - 40

currency

enum<string>

NGN at launch. Other currencies ("Open another currency") are after launch and return 422 currency_not_enabled.

Available options:

NGN,

USD,

GBP,

EUR,

GHS,

KES

type

enum<string>

default:sub

A plain sub-account, or the Payroll account (one per currency).

Available options:

sub,

payroll

Response

Created.

A customer account, with its own account number and balances.

string

required

Account id.

Pattern: ^acc_[0-9A-HJKMNP-TV-Z]{26}$

object

string

required

Always account.

Allowed value: "account"

created_at

string<date-time>

required

When it was created.

Example:

"2026-10-27T08:41:00Z"

updated_at

string<date-time>

required

When it was created.

Example:

"2026-10-27T08:41:00Z"

name

string

required

Name in PanoFlow ("Main", "Payroll", "Savings"). Only the team sees it.

Maximum string length: 40

display_name

string

required

Currency plus name, e.g. "Naira · Main".

type

enum<string>

required

main: the primary account per currency (Naira · Main opens on approval).

Available options:

main,

payroll,

sub,

agent

is_primary

boolean

required

True for the primary account of its currency ("Primary account" vs "Sub-account").

currency

enum<string>

required

Currency.

Available options:

NGN,

USD,

GBP,

EUR,

GHS,

KES

status

enum<string>

required

opening: the partner bank has not returned the account number yet.

Available options:

opening,

active,

closed

balances

object

required

The account's balances: available, ledger, in_flight.

Show child attributes

account_name

string

required

Name on the bank account, as payers see it ("Adaeze Logistics Ltd").

account_number

string | null

required

10-digit NUBAN for NGN accounts. Null while opening.

bank_name

string

required

The bank that issued the account number, as shown on the account details.

bank_code

string

required

That bank's institution code.

Example:

"058"

routing

object[]

required

Extra local details for non-naira accounts. Empty for NGN.

Show child attributes

livemode

boolean

required

False for sandbox accounts (test money).

agent_id

string | null

For agent accounts: the agent (agt_…).

Pattern: ^agt_[0-9A-HJKMNP-TV-Z]{26}$

opened_at

string<date-time> | null

"Opened 2 Jun 2026". Null while opening.

closed_at

string<date-time> | null

When closed.

Accounts & transactions

Payments

Collections

Payroll

Approvals

Webhooks & events

OAuth

Open a sub-account

Authorizations

Headers

Body

Response