Integration with the Instant Pay APIs requires specific identification details during the creation of virtual accounts. The acceptable IDs vary depending on the business category and sub-category. These requirements ensure that accounts are properly validated and in compliance with regulatory standards.

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Attempting to create virtual accounts with the incorrect IDs will return an error.

Below is a detailed breakdown of the acceptable IDs based on business types. The required IDs are:

BVN (Bank Verification Number): A unique identifier for customers/users linked to their bank accounts.
NIN (National Identification Number): A unique identification number issued by NIMC in Nigeria.
Phone Number or Email: Contact information of the customer or the entity using the account.

This category requires BVN, Phone Number, or Email

ID Requirements by Business Category

Business Category	Acceptable IDs
Agriculture	BVN or NIN
Commerce	BVN or NIN
Construction	NIN, Phone Number, or Email
Education	BVN, NIN, Phone Number, or Email
Energy	BVN or NIN
Fashion & Personal Care	NIN, Phone Number, or Email
Financial Services	BVN or NIN
Gaming	Phone Number or BVN
Health	Phone Number or NIN
Hospitality	NIN, Phone Number, or Email
Leisure & Entertainment	Phone Number or NIN
Non-Profits	NIN, Phone Number, or Email
Travel & Logistics	NIN, Phone Number, or Email
Utilities	BVN, Phone Number, or Email

These IDs are essential to validate the authenticity of businesses operating in various sectors.