Your balance

Registrations are paid from your organization’s prepaid wallet. Submit charges the price, ₦35,000, from it (Submitting). You fund it by bank transfer. Each mode has its own wallet. A test key reads and spends the test wallet, a live key the live one.

Funding your wallet

Your organization gets its own funding account: a bank account number that credits your wallet. Once it’s active, it’s on the Billing page at developers.fastcac.com and in funding_account on GET /v1/balance. Transfer to it from any Nigerian bank.

Deposits are credited in full. FastCAC pays the bank-transfer fee, so ₦350,000 sent is ₦350,000 available.
A deposit doesn’t submit anything. It only adds to your balance; you call submit when you’re ready.
Large deposits can be held. A deposit that takes you over the daily deposit limit shows in held, not available, until it’s released. FastCAC releases it into available once the bank transfer clears, which records a deposit_released transaction and sends balance.funded. If a deposit stays held, contact fastcac@mydigitalabode.com.
You get balance.funded when a deposit is credited to available.

In test mode the funding account is a fake one (0000000000, TEST BANK), and you add test money with a test helper instead.

Reading your balance

curl https://api.fastcac.com/v1/balance \
  -H "Authorization: Bearer $FASTCAC_KEY"

Response (test key)

{
  "object": "balance",
  "available": "1245000.00",
  "held": "0.00",
  "currency": "NGN",
  "low_balance_threshold": "100000.00",
  "funding_account": {
    "account_number": "0000000000",
    "bank_name": "TEST BANK",
    "account_name": "FastCAC - TEST MODE"
  }
}

Field	Meaning
`available`	What submit can spend, in naira, as a decimal string.
`held`	Deposits received but not yet released, in naira. Not spendable.
`currency`	Always `NGN`.
`low_balance_threshold`	The threshold you set on the Billing page, in naira, or `null` if you haven’t set one. See Low balance.
`funding_account`	Where to send a transfer: `account_number`, `bank_name` and `account_name`. `null` in live mode until your funding account is active.

Transactions

Every change to the balance is a wallet_transaction. List them newest first; the list paginates with limit and starting_after.

curl "https://api.fastcac.com/v1/balance/transactions?limit=3" \
  -H "Authorization: Bearer $FASTCAC_KEY"

Response (abridged)

{
  "object": "list",
  "data": [
    {
      "object": "wallet_transaction",
      "id": "wtx_4BsHlzS5uvTnbVwSGJ7VkI",
      "type": "deposit",
      "amount": "350000.00",
      "balance_after": "1245000.00",
      "currency": "NGN",
      "registration_id": null,
      "sender_name": "TEST DEPOSIT",
      "sender_bank": null,
      "description": "Simulated bank transfer (test mode).",
      "created_at": "2026-10-25T03:34:03Z"
    },
    {
      "object": "wallet_transaction",
      "id": "wtx_2w2UDtdaNiFP1RSrug4ObA",
      "type": "registration_charge",
      "amount": "-35000.00",
      "balance_after": "895000.00",
      "currency": "NGN",
      "registration_id": "reg_2hVXkBBGA34cZB4cmO8oAu",
      "sender_name": null,
      "sender_bank": null,
      "description": "Business Name registration reg_2hVXkBBGA34cZB4cmO8oAu",
      "created_at": "2026-10-25T03:34:02Z"
    },
    ...
  ],
  "has_more": true
}

amount is signed: positive adds to the balance, negative takes from it. balance_after is the available balance once it applied. Both are naira, as decimal strings.

`type`	What it is
`deposit`	A bank transfer to your funding account, credited to `available`. `sender_name` and `sender_bank` say who sent it, where the bank tells us.
`deposit_held`	A large deposit, received but held. It counts toward `held`, not `available`, so `balance_after` doesn’t change.
`deposit_released`	A held deposit was released into `available`. `amount` is the deposit’s amount.
`registration_charge`	Submit charged a registration’s price. `registration_id` names it.
`adjustment`	A correction FastCAC made to your live balance; `description` says why.
`test_credit`	The test money a new test wallet starts with. Test mode only.

Refunds

There are no refunds. Once submit charges a registration, the charge stands whatever CAC decides: a rejected registration isn’t refunded, and a new registration after a rejection is charged again. Resubmitting after verification_failed or a query doesn’t charge again. If FastCAC charged you by mistake, it corrects it with an adjustment.

Low balance

Set a low-balance threshold on the Billing page and FastCAC sends balance.low when a charge takes your balance from at or above it to below it. It’s sent once per crossing: further charges below the threshold don’t send it again until a deposit lifts the balance back up and a charge crosses it once more. Use it to top up before a submit gets 402 insufficient_balance (Your wallet).

Test mode

Each organization’s test wallet starts with ₦1,000,000 of test money. Test submits really draw it down, so after 28 registrations a submit gets a real 402 until you add more. (Pass ?simulate=insufficient_balance on submit to force the 402 at any time. That simulates an empty wallet, so its details.balance is 0.00 whatever the test wallet holds.) Add test money with the deposit helper, as if a bank transfer reached your funding account. It credits the test wallet and sends balance.funded:

curl -X POST https://api.fastcac.com/v1/test_helpers/deposits \
  -H "Authorization: Bearer $FASTCAC_KEY" -H "Content-Type: application/json" \
  -d '{"amount": "350000.00"}'

Response (201)

{
  "object": "wallet_transaction",
  "id": "wtx_4BsHlzS5uvTnbVwSGJ7VkI",
  "type": "deposit",
  "amount": "350000.00",
  "balance_after": "1245000.00",
  "currency": "NGN",
  "registration_id": null,
  "sender_name": "TEST DEPOSIT",
  "sender_bank": null,
  "description": "Simulated bank transfer (test mode).",
  "created_at": "2026-10-25T03:34:03Z"
}

amount is naira as a decimal string, more than 0 and at most 10,000,000 (400 parameter_invalid otherwise). With a live key the helper answers 403:

403

{
  "error": {
    "type": "permission_error",
    "code": "test_mode_only",
    "message": "Deposits can only be simulated with a test key.",
    "param": null,
    "request_id": "req_wEqbJcDg1QV2ed9VSXanC7HG"
  }
}

Get started

Registering a business

Webhooks

API basics

Going live

Funding your wallet

Reading your balance

Transactions

Refunds

Low balance

Test mode

​Funding your wallet

​Reading your balance

​Transactions

​Refunds

​Low balance

​Test mode

Funding your wallet

Reading your balance

Transactions

Refunds

Low balance

Test mode