Create a customer account

Issues a permanent bank account number in your customer’s own name.

Send your secret key: Authorization: Bearer sk_live_…. See authentication.

The endpoint the whole product is for.

curl https://api.paymonetra.com/v1/customer_accounts \
  -H "Authorization: Bearer sk_live_..." \
  -d customer_reference=cus_9f21 \
  -d customer_name="Ngozi Nwosu"

JSON or form encoding, both accepted.

{
  "customer_reference": "cus_9f21",
  "customer_name": "Ngozi Nwosu",
  "account_number": "8021234567",
  "account_name": "MONETRA - Ngozi Nwosu",
  "bank_name": "Payrep MFB",
  "status": "active",
  "mode": "live",
  "created_at": "2026-08-28T19:18:33+01:00"
}

201 on a new account, 200 when one already exists for that reference. Same body either way, so no branching. Calling it twice is safe and is the intended way to be idempotent.

customer_reference is the merchant's own key. Letters, numbers and . _ : - only, up to 80 characters, because it comes back in every webhook and appears in URLs.

Customer accounts has the context around this call.