Virtual Accounts

Virtual Accounts solutions are a modern and efficient way for merchants to streamline payment collection and reconciliation.

A virtual account is a unique identifier, often resembling a bank account number, assigned to specific customers or sub-merchants. These accounts enable precise tracking of incoming payments, simplifying the process of matching funds with the correct virtual account holder.

Bank Virtual Accounts

Fixed account numbers that are issued to specific merchants or customers and associated with a bank. The use cases for the bank virtual accounts are merchants with business customers, marketplace/platform merchants with sub-merchants, and merchants with retail customers.

Pestañas Verticales con Banderas

Brazil

Mexico

Indonesia

Philippines Nigeria flag

Nigeria

Vietnam

Brazil

Minimum Amount: 1 BRL

Notification delay: Immediate

Flow: REDIRECT, DIRECT

Payment Method Type: BANK_TRANSFER

Payment Method ID: FC

Mexico

Minimum Amount: 1 MXN

Notification delay: Immediate

Flow: REDIRECT, DIRECT

Payment Method Type: BANK_TRANSFER

Payment Method ID: FC

Indonesia

Minimum Amount: 1 IDR

Notification delay: Immediate

Flow: REDIRECT, DIRECT

Payment Method Type: BANK_TRANSFER

Payment Method ID: FC

Philippines

Minimum Amount: 1 PHP

Notification delay: Immediate

Flow: REDIRECT, DIRECT

Payment Method Type: BANK_TRANSFER

Payment Method ID: FC

Nigeria

Minimum Amount: 51 NGN

Notification delay: Immediate

Flow: REDIRECT, DIRECT

Payment Method Type: BANK_TRANSFER

Payment Method ID: FC

Vietnam

Minimum Amount: 1 VND

Notification delay: Immediate

Flow: REDIRECT, DIRECT

Payment Method Type: BANK_TRANSFER

Payment Method ID: FC

Cash Virtual Accounts

Specialized account solutions that allow merchants to receive and reconcile payments made via cash deposits. These accounts are ideal for cash-driven markets where digital banking penetration may be limited and cash remains a primary payment method. By providing a unique reference for each sub-merchant or customer, these accounts enable efficient tracking and reconciliation of cash payments.

`country` code	`currency` code	Flow	`payment_method_type`	`payment_method_id`	Minimum amount
`MX`	`MXN`	`DIRECT`/ `REDIRECT`	`TICKET`	OU	1 MXN

Virtual accounts flows

Learn about the account creation and payment flows.

Account creation flow

The flow consists of two steps. First, the account creation process:

Request parameters

Field	Type	Description	Required
`country`	String	Payment processing country code. ISO 3166-1 alpha-2 code.	Yes
`payment_method_id`	String	`FC` ID of the selected payment method.	Yes
Payer Object
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.phone`	String	Mobile phone number of the payer.	No
`payer.document`	String	Document of the payer.	Yes
`payer.ip`	String	IP of the payer.	No
`user_reference`	String	Unique user ID at the merchant side.	Ye

Example

{
  "country": "MX",
  "payment_method_id": "FC",
  "payment_method_flow": "DIRECT",
  "payer": {
      "name": "Jane Doe",
      "user_reference": "301371669",
      "email": "[email protected]",
      "phone": "+529848774040",
      "document": "99999999",
    },
  }

{
   "id": "75c7473a-ab86-4e43-bd39-c840268747d3",
   "country": "MX",
   "created_date": "2018-12-26T20:37:20.000+0000",
   "status": "CREATED",
   "status_detail": "The virtual account has been created",
   "status_code": "200",
   "virtual_bank_account": {
       "bank_code": "Arcus",
       "branch_code": "Arcus",
       "bank_account":"706180323360518000"
   },
   "payer": {
       "name": "Jane Doe",
       "user_reference": "301371669", 
       "email": "[email protected]",
       "phone": "+529848774040",
       "document": "99999999"
   },
}

Payments flow

Second, the notifications of payment accreditations:

Updated about 10 hours ago