Virtual Account API for NEFT, IMPS & RTGS Payment Collections & Tracking

Revolutionize payment collection with AOPAY's Virtual Account Solution. Create dedicated virtual bank accounts for customers with instant reconciliation and automated settlement tracking.

Virtual account API creating unique payment identifiers for automated reconciliation.

AOPAY Virtual Account API Solution For Secure Payments

Transform your payment collection process with India's most comprehensive virtual account management system. Enable seamless customer payments with automated reconciliation and real-time notifications.

Instant Virtual Bank Account Creation API

Generate unique virtual account numbers instantly for each customer or transaction. Our virtual account solution supports major banks including HDFC, ICICI, SBI, Axis Bank and more with real-time account provisioning and immediate activation for payment collection.

Automated Payment Reconciliation API

Eliminate manual reconciliation with our intelligent matching system. Automatically match incoming payments to customer orders, invoices, or transactions with 99.9% accuracy. Real-time webhook notifications ensure instant payment confirmation.

Real-time Payment Tracking & Analytics

Monitor all virtual account transactions in real-time with comprehensive analytics dashboard. Track payment success rates, settlement timelines, customer payment patterns, and reconciliation status through our advanced reporting tool.

Smart Notification & Webhook System

Receive instant notifications for all payment events including successful collections, failed transactions, and reconciliation updates. Our webhook system supports custom retry logic and guaranteed delivery with 99.9% reliability.

Flexible Settlement & Fund Management

Configure custom settlement cycles - daily, weekly, or instant settlements based on your business needs. Automated fund transfers to your primary account with detailed settlement reports and transaction-level breakdowns.

Enterprise Security & Compliance

Bank-grade security with end-to-end encryption, PCI DSS compliance, and RBI guidelines adherence. Advanced fraud detection, transaction monitoring, and secure API authentication ensure complete payment security.

How AOPAY Virtual Account API Works for Payments & Collections

4-Step Process to Automate Payment Collection and Reconciliation

Create Virtual Account

Generate unique virtual account numbers for customers using our API. Instantly create dedicated accounts linked to specific transactions or customer IDs.

Customer Payment

Customers make payments to their assigned virtual account using NEFT, RTGS, IMPS, or UPI transfers. All major banking channels are supported.

Automatic Reconciliation

Our system automatically matches incoming payments to the correct transactions and sends real-time webhook notifications with payment details.

Instant Settlement

Funds are automatically settled to your primary account based on configured settlement cycles with detailed transaction reports.

Virtual Account API Integration Guide for Businesses & Developers

Developer-Friendly API Documentation. Integrate AOPAY's Virtual Account with our comprehensive RESTful API documentation. Support for multiple programming languages with ready-to-use code samples and SDKs.

Core Integration Features of AOPAY Virtual Account Solution

RESTful API Design: Standard HTTP methods for easy integration.
Real-time Webhooks: Instant payment notifications and status updates.
Multi-language SDKs: PHP, Python, Java, Node.js, and .NET support.
Sandbox Environment: Complete testing environment before production.
24/7 Technical Support: Dedicated integration assistance and troubleshooting.
Detailed Documentation: Step-by-step integration guides with examples.

Virtual Account API Sample Code For Developers

// Create Virtual Account
curl -X POST https://api.aopay.in/v1/virtual-accounts \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "customer_id": "CUST_001",
    "order_id": "ORD_12345",
    "amount": 1000.00,
    "currency": "INR",
    "description": "Order Payment",
    "webhook_url": "https://your-site.com/webhook",
    "expire_at": "2025-12-31T23:59:59Z"
  }'

// Response
{
  "id": "va_H6z4L8k9M2n3P4q5",
  "customer_id": "CUST_001",
  "account_number": "2224445556667778",
  "ifsc_code": "HDFC0000001",
  "bank_name": "HDFC Bank",
  "status": "active",
  "created_at": "2025-09-02T10:30:00Z"
}

Virtual Account API Use Cases for Businesses

Discover how businesses across industries leverage Virtual Account for streamlined payment collection:

E-commerce Order Payment Processing

Create unique virtual accounts for each customer order. Allow customers to pay via bank transfer with automatic order confirmation and inventory updates upon payment receipt.

B2B Invoice Collection

Generate virtual accounts for business invoices with automated reconciliation. Perfect for enterprises managing multiple client payments with varying settlement terms.

Educational Fee Collection

Streamline student fee collection with dedicated virtual accounts for each student. Automatic fee reconciliation with student management systems and instant payment confirmations.

Real Estate & Property Payment Processing

Manage property bookings, EMI collections, and maintenance payments with individual virtual accounts. Automated tracking for property developers and management companies.

Healthcare & Insurance

Collect insurance premiums, treatment fees, and claims settlements with dedicated virtual accounts. Seamless integration with healthcare management systems.

Supply Chain & Logistics

Automate vendor payments, freight collections, and COD settlements with virtual account-based payment processing. Perfect for logistics and delivery companies.

AOPAY Virtual Account API: Performance Metrics You Should Monitor

Stay ahead with our real-time performance monitoring and operational excellence indicators — designed to ensure reliability, speed, and consistent uptime.