Unique Account per Customer or Invoice
A Virtual Account is a unique virtual bank account number assigned to each customer, order or invoice. When the customer pays to their virtual account via NEFT, IMPS, RTGS or UPI, the payment is automatically matched and reconciled — zero manual effort.
Create thousands of virtual accounts instantly via API. Each account has a unique IFSC + account number combination. Payments made to this account are routed to your master account with the payer's metadata automatically attached to the webhook notification.
Ideal for e-commerce, lending, insurance, subscription billing, B2B invoicing and marketplace collections where you need to collect from hundreds or thousands of payers and reconcile instantly.
Why Use Virtual Accounts?
Instant Reconciliation
Every payment is automatically matched to the customer or invoice it belongs to — no manual bank statement parsing or UTR matching required.
Unlimited Accounts
Create thousands of virtual accounts at zero marginal cost. Each one is unique with its own IFSC and account number. Close when no longer needed.
Real-time Webhooks
Instant payment notification via webhook with full payer details, UTR number, amount, timestamp and your custom metadata attached.
Fixed or Expiring Accounts
Create permanent virtual accounts for regular customers or time-limited accounts for one-time invoices. Payments rejected after expiry.
All Payment Modes
Accept NEFT, IMPS, RTGS and UPI payments to virtual accounts — works with any sender bank across India.
Custom Metadata
Attach any custom data — customer ID, order ID, invoice number, product name — that comes back on the webhook for easy matching.
How It Works — Auto Collection
1. Create Virtual Account via API
Your server calls /v2/virtual-account/create with customer ID, amount (optional) and expiry — gets back a unique account number instantly.
2. Share Account Details with Customer
Display the virtual account number + IFSC on your payment page. Customer pays via NEFT/IMPS/RTGS/UPI from any bank.
3. Payment Received
Payment credited to your master account in real time. ZuelPay system identifies which virtual account received the payment.
4. Webhook + Auto-Reconcile
Instant webhook to your server with payer details, UTR, amount and your custom metadata — payment automatically marked as reconciled.
// POST /v2/virtual-account/create
fetch('https://api.zuelpay.com/v2/virtual-account/create', {
method: 'POST',
headers: { 'Authorization': 'Bearer zp_live_xxx' },
body: JSON.stringify({
name: 'Rahul Kumar',
description: 'Invoice #INV-2026-001',
amount: 50000, // optional — 0 = any amount
customer_id: 'CUST_98765',
expire_by: '2026-04-30T23:59:59Z'
})
});
// Returns unique virtual account instantly
More Payment Collection Tools
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💸Payout API
Disburse collected funds to vendors and partners instantly.
🔷UPI Payment Solution
Complete UPI push and pull payment solution for your platform.
✅KYC Verification
Verify payer identity before large value collections via virtual accounts.
📄BBPS API
Collect utility and recurring bill payments via BBPS network.
Automate Collections with Virtual Accounts
Instant reconciliation, zero manual effort, all payment modes. Sandbox ready, no setup fee.