Create a Virtual Account

post

https://in.staging.decentro.tech/core_banking/account_linking/create_virtual_account

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Important Note
Please use only Staging Credentials on each API Reference page to test the APIs directly from our Documentation.

API Endpoints

Environment	Endpoint
Staging / Sandbox	https://in.staging.decentro.tech/core_banking/account_linking/create_virtual_account
Production	https://in.decentro.tech/core_banking/account_linking/create_virtual_account

This API allows you to create a virtual account for a consumer or business in real-time. This functions exactly like a regular bank account with the exception of cash withdrawals.

You can also choose the underlying bank provider if you have a particular preference.

Body Params

type

string

required

Account type; can be physical / savings / virtual, only virtual allowed as of now. Other supported types to be added in the subsequent iterations

name

string

required

Customer name to be put against the account and linked with UPI - ID

pan_number

string

required

PAN number of the entity

email_address

string

required

Email address of the entity

mobile_number

string

required

Mobile of the entity

address

string

Physical address of the entity

kyc_verified

int32

required

0 / 1 depending on the status of the customer / merchant at your end. Please note that the onus of KYC lies on you

kyc_check_decentro

int32

required

0 / 1 depending on the status of the KYC check requirement from our end(if used). Default value is 0

transaction_limit

float

Maximum transaction amount limit

currency_code

string

required

A valid currency code e.g.INR

customer_id

string

required

Unique customer ID to be saved against the customer

virtual_account_balance_settlement

string

Flag to enable/disable the virtual account for balance settlement.For VA's with disabled flag will not be included in balance settlement API.

master_account

object

Mandatory when company is onboarded more than one business accounts.(Mandatory when 'master_account_alias' is not present)

master_account_alias

string

Mandatory when company is onboarded more than one business accounts.(Mandatory when 'master_account' JSON is not present)

upi_onboarding

int32

1 if sub - merchant onboarding is required

custom_vpa

int32

Custom name (lowercase, if not will be converted to lowercase) that is created as a prefix of upi-id handle

state_code

int32

State of the entity. kindly use /state API to get respective state code. Mandatory when upi_onboarding is set to 1

city

string

City of the entity. Mandatory when upi_onboarding is set to 1

pincode

int32

Pincode of the entity. Mandatory when upi_onboarding is set to 1

upi_onboarding_details

object

Mandatory when upi_onboarding is set to 1

Headers

client_id

string

required

client_secret

string

required

module_secret

string

required

provider_secret

string

required

Responses

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Response

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application/json

🙌Important Note

API Endpoints

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Important Note