Deposit to Virtual Account

A Deposit credits money into a Virtual Account, increasing its available balance.

Use deposits to:

• Fund customer wallets
• Top up balances
• Load escrow accounts
• Record offline or online funding events (depending on your product flow)

After a successful deposit:

• The virtual account balance increases
• A credit record appears in the account's credit history

Endpoint

POST /v2/virtual-accounts/{virtual_account_id}/deposit
Host: api.chapa.co

Authentication

Headers

Path Parameter

Request Body

Required Fields

Optional Fields

Example Request

POST https://api.chapa.co/v2/virtual-accounts/VA_ABC123456/deposit
Authorization: Bearer CHAPA_TEST_xxxxxxxxxxxxx
Content-Type: application/json

{
  "amount": 5000,
  "currency": "ETB",
  "merchant_reference": "DEP_001",
  "reason": "Wallet top-up",
  "meta": {
    "customer_id": "CUST_12345",
    "order_id": "ORD_99887"
  }
}

Example Response

{
  "status": "success",
  "message": "Deposit completed successfully",
  "data": {
    "virtual_account_id": "VA_ABC123456",
    "deposit_reference": "DEP_TRX_987654",
    "amount": 5000,
    "currency": "ETB",
    "balance_before": 7500,
    "balance_after": 12500,
    "created_at": "2025-11-07T13:10:00Z"
  }
}

Response Fields

Validation Rules

• currency must match the virtual account's currency
• amount must be positive
• merchant_reference should be unique (recommended)

Best Practices

• Use an Idempotency-Key on retries
• Store deposit_reference for reconciliation
• Store balance_before and balance_after for audit trails
• Use meta to link deposits to internal records (order_id, customer_id)

Common Errors

Next Steps

• Get Virtual Account - Check account balance
• Deduct from Virtual Account - Withdraw funds
• Credit History - View deposit history