Changelog

Create a virtual account for an existing customer

You can now create a virtual account for an existing customer who doesn't have a wallet yet.

Virtual accounts

You can now create dedicated NGN virtual accounts and collect bank transfers into them.

• Single-use accounts accept one payment and expire at the time you set, up to 24 hours ahead.
• Multi-use accounts stay open and accept repeated payments.
• List your virtual accounts, find one by its reference or your source reference, and list the transactions paid into it.

Start with the virtual accounts guide or the create virtual account endpoint.

Opay on checkout

Customers can now pay with Opay on the hosted checkout page.

See the checkout guide.

Cancel a pending FX swap

You can now cancel an FX swap that has not completed by sending POST /api/v1/tx/swap/{swapId}/cancel. Cancelled swaps return status: cancelled and a reason.

International bank transfers

Send money to bank accounts abroad with international bank transfers.

See the international bank transfers guide.

Bulk name enquiry

Check the account names for several bank accounts in one request with bulk name enquiry. It's useful before a bulk payout.

Bulk payouts

Send several NGN bank transfers in one request with bulk payouts. Atlas accepts the batch with 202 Accepted and processes it in the background.

Track a batch with its status by reference or status by source reference.

See the bulk payouts guide.

FX swap

You can now convert NGN into USD, EUR or GBP:

• initiate a swap, then get a swap or list your swaps,
• check balances in each currency, and
• view rate history.

Swaps send FX_SWAP_CREATED and FX_SWAP_COMPLETED webhooks. Swaps can be limited to operating hours; outside them, the API returns an error with the next available time.

See the swaps guide.

Payment links API

You can now manage payment links through the API:

• create a payment link,
• list payment links and find one by reference or source reference,
• enable or disable a link, and
• list a link's transactions by reference or source reference.

Links created through the API need a source_reference. If you set an amount, it must be at least 100.

See the payment links guide.

Exchange rates endpoint

A new endpoint returns current exchange rates for a currency pair.

See the exchange rates endpoint and the rates guide.

Look up checkouts and payouts by your source reference

You can now find records using source_reference, the ID you assign when you create them.

• List checkout transactions by source reference.
• Get a payout transaction by source reference.
• List payouts and get a payout by reference.

Payout and transaction responses now include sourceReference.

Card payments on checkout

Customers can now pay by card on the hosted checkout page.

Card payments have to be enabled for your business before they appear on checkout. Contact the Atlas team to turn them on.

See the checkout guide.

Fund your wallet through the API

You can now fund your Atlas wallet through the API. The endpoint is authenticated with your public key.

See the fund wallet endpoint.

Atlas is live in Nigeria

Atlas is now available to businesses in Nigeria. You can integrate through the API or work directly in the dashboard.

• Checkout: start a checkout and let customers pay by bank transfer. See the checkout guide.
• Payouts: send NGN to any Nigerian bank account. See the payout quickstart.
• Customers: create, update, blacklist and reactivate the customers you transact with.
• Transactions: list your transactions or look one up by reference.
• Wallets: check your wallet balance.
• Banking: fetch the list of supported banks and confirm an account name before you pay out.