Update Tier 1 bank account

curl --request PATCH \
  --url https://api.daya.co/v1/customers/{id}/tier1-verification \
  --header 'Content-Type: application/json' \
  --header 'X-Api-Key: <x-api-key>' \
  --data '
{
  "phone_number": "<string>",
  "bank_account": {
    "account_number": "<string>",
    "bank_code": "<string>"
  }
}
'

import requests

url = "https://api.daya.co/v1/customers/{id}/tier1-verification"

payload = {
    "phone_number": "<string>",
    "bank_account": {
        "account_number": "<string>",
        "bank_code": "<string>"
    }
}
headers = {
    "X-Api-Key": "<x-api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'PATCH',
  headers: {'X-Api-Key': '<x-api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    phone_number: '<string>',
    bank_account: {account_number: '<string>', bank_code: '<string>'}
  })
};

fetch('https://api.daya.co/v1/customers/{id}/tier1-verification', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.daya.co/v1/customers/{id}/tier1-verification",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "PATCH",
  CURLOPT_POSTFIELDS => json_encode([
    'phone_number' => '<string>',
    'bank_account' => [
        'account_number' => '<string>',
        'bank_code' => '<string>'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-Api-Key: <x-api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.daya.co/v1/customers/{id}/tier1-verification"

	payload := strings.NewReader("{\n  \"phone_number\": \"<string>\",\n  \"bank_account\": {\n    \"account_number\": \"<string>\",\n    \"bank_code\": \"<string>\"\n  }\n}")

	req, _ := http.NewRequest("PATCH", url, payload)

	req.Header.Add("X-Api-Key", "<x-api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.patch("https://api.daya.co/v1/customers/{id}/tier1-verification")
  .header("X-Api-Key", "<x-api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"phone_number\": \"<string>\",\n  \"bank_account\": {\n    \"account_number\": \"<string>\",\n    \"bank_code\": \"<string>\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.daya.co/v1/customers/{id}/tier1-verification")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Patch.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"phone_number\": \"<string>\",\n  \"bank_account\": {\n    \"account_number\": \"<string>\",\n    \"bank_code\": \"<string>\"\n  }\n}"

response = http.request(request)
puts response.read_body

PATCH

customers

{id}

tier1-verification

Update Tier 1 bank account

curl --request PATCH \
  --url https://api.daya.co/v1/customers/{id}/tier1-verification \
  --header 'Content-Type: application/json' \
  --header 'X-Api-Key: <x-api-key>' \
  --data '
{
  "phone_number": "<string>",
  "bank_account": {
    "account_number": "<string>",
    "bank_code": "<string>"
  }
}
'

import requests

url = "https://api.daya.co/v1/customers/{id}/tier1-verification"

payload = {
    "phone_number": "<string>",
    "bank_account": {
        "account_number": "<string>",
        "bank_code": "<string>"
    }
}
headers = {
    "X-Api-Key": "<x-api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'PATCH',
  headers: {'X-Api-Key': '<x-api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    phone_number: '<string>',
    bank_account: {account_number: '<string>', bank_code: '<string>'}
  })
};

fetch('https://api.daya.co/v1/customers/{id}/tier1-verification', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.daya.co/v1/customers/{id}/tier1-verification",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "PATCH",
  CURLOPT_POSTFIELDS => json_encode([
    'phone_number' => '<string>',
    'bank_account' => [
        'account_number' => '<string>',
        'bank_code' => '<string>'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-Api-Key: <x-api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.daya.co/v1/customers/{id}/tier1-verification"

	payload := strings.NewReader("{\n  \"phone_number\": \"<string>\",\n  \"bank_account\": {\n    \"account_number\": \"<string>\",\n    \"bank_code\": \"<string>\"\n  }\n}")

	req, _ := http.NewRequest("PATCH", url, payload)

	req.Header.Add("X-Api-Key", "<x-api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.patch("https://api.daya.co/v1/customers/{id}/tier1-verification")
  .header("X-Api-Key", "<x-api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"phone_number\": \"<string>\",\n  \"bank_account\": {\n    \"account_number\": \"<string>\",\n    \"bank_code\": \"<string>\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.daya.co/v1/customers/{id}/tier1-verification")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Patch.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"phone_number\": \"<string>\",\n  \"bank_account\": {\n    \"account_number\": \"<string>\",\n    \"bank_code\": \"<string>\"\n  }\n}"

response = http.request(request)
puts response.read_body

Overview

Add or replace the bank account attached to a customer’s completed Tier 1 KYC. Use this when the customer finished Tier 1 without bank details, when their previous bank details need to be corrected, or when an older verification needs the customer’s phone number added. This endpoint does not repeat BVN or selfie verification, and it does not create a funding account. It starts a new asynchronous Paystack bank account verification for the submitted details, even when the customer does not yet have a permanent NGN funding account. If Paystack is temporarily unavailable, Daya keeps the verification pending and starts it automatically after the provider recovers.

Authentication

string

required

Your merchant API key

Path Parameters

string

required

Customer ID (UUID)

Request Body

string

required

Customer’s phone number. Send the 11-digit national form or the +234 international form.Example: +2348012345678

object

required

NGN bank account belonging to the customer. This is not the funding account the customer will receive.

Show bank_account properties

string

required

The customer’s 10-digit NGN bank account number.

string

required

The bank code returned by GET /v1/banks.

Before submitting bank_account, get the supported bank_code from GET /v1/banks and verify the account with POST /v1/banks/resolve. Then send the verified account_number and bank_code together.

Request Example

curl --request PATCH \
  --url https://api.daya.co/v1/customers/650e8400-e29b-41d4-a716-446655440000/tier1-verification \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "phone_number": "+2348012345678",
    "bank_account": {
      "account_number": "0123456789",
      "bank_code": "058"
    }
  }'

Response

Returns the customer with paystack_funding_account_readiness.status set to READY when the bank details are accepted locally. This does not mean Paystack has completed verification.

200 OK

{
  "id": "650e8400-e29b-41d4-a716-446655440000",
  "tier_1_kyc_complete": true,
  "paystack_funding_account_readiness": {
    "status": "READY",
    "bank_code": "058",
    "account_number_last4": "6789",
    "missing_fields": [],
    "updated_at": "2026-01-06T12:00:00Z"
  }
}

The response shows only the last four digits of the account number, not the full account number.

Verification Result

Subscribe to:

customer.bank_account_verification.succeeded
customer.bank_account_verification.failed

Each result includes an identity_version. A later bank detail update increments the version, so ignore a result for an older version after you have received a newer result. Failed results include failure_code and failure_message that you can use to explain what the customer should correct. If verification succeeds and the customer already has a permanent NGN funding account, Daya starts creating its Paystack instruction. Daya sends funding_account.active when Paystack makes a pending account usable, or funding_account.updated when another instruction was already active. If the customer does not have a permanent account, Daya retains the successful verification until you create one. See Bank Account Verification Events for the payload fields and examples.

Getting Started

Core Concepts

Guides

Rates & Chains

Customers

Funding Accounts

Transfers

Deposits

Recipients

Banks

USD Virtual Accounts

USD Virtual Account Deposits

Merchant Balance

Merchant Funding

Webhooks

Legacy API

Update Tier 1 bank account

Overview

Authentication

Path Parameters

Request Body

Request Example

Response

Verification Result

Next Steps

Webhook Events

Create Funding Account

​Overview

​Authentication

​Path Parameters

​Request Body

​Request Example

​Response

​Verification Result

​Next Steps

Webhook Events

Create Funding Account

Overview

Authentication

Path Parameters

Request Body

Request Example

Response

Verification Result

Next Steps