Virtual Account
Automate payment confirmation by assigning each order its own virtual account (VA), with high accuracy and no manual reconciliation errors.
What is a virtual account?
A Virtual Account (VA) is an account number generated automatically for each order. Every VA is tied to one specific order and accepts only the exact payment amount for that order.
After the customer pays the correct amount, the VA is automatically closed, preventing duplicate payments. This model is used by large businesses such as Vietnam Airlines and VinMart.
Key features
High accuracy
Each order is tied to a unique VA, ensuring the payment amount matches exactly with no confusion between orders.
Simple and automated
No dependence on transfer content. The system confirms transactions automatically within seconds, without manual checks.
Strong payment safety
The VA is automatically closed after successful payment or expiration, eliminating duplicate-payment risk.
Professional experience
A model similar to large enterprises such as Vietnam Airlines and VinMart, improving the customer payment experience.
How it works
Seven simple steps to integrate VA into your system
Customer places an order
The customer creates an order on your website or application as usual.
The system creates a VA
ApiPay automatically creates a dedicated virtual account for the order through the API.
Payment details are shown
The customer receives the VA information and exact amount to pay.
Customer pays
The customer scans a QR code or transfers money through a banking app to the VA.
Transaction notification is received
ApiPay identifies the transaction automatically through the banking system.
Webhook is sent
ApiPay sends a webhook to your system with detailed transaction information.
Payment is confirmed
The order status is automatically updated to paid.
Static VA vs order-based VA
| Criteria | Static VA | Order-based VA |
|---|---|---|
| Used for | Each sales point | Each order |
| Accuracy | Depends on transfer content | Guaranteed by a dedicated VA per order |
| Payment risk | Can happen if QR is scanned multiple times | Prevented through automatic closure |
| System integration | Fast and simple | Requires API and webhook integration |
| Best fit | Small businesses | Medium and large businesses |
Best-fit use cases
Small and medium businesses
Can use static VA or primary bank accounts with simple confirmation. Suitable for moderate order volume.
Large enterprises
Use order-based VA to improve customer experience and optimize payment workflows while processing thousands of orders at once.
Platforms and marketplaces
E-commerce platforms and marketplaces that need automatic payment reconciliation across many sellers and buyers.
Frequently asked questions
Start with Virtual Account today
Contact us for the right solution for your business. Our integration support team is available 24/7.