Virtual Accounts

Issue dedicated bank account numbers (GBP, EUR) to your customers powered by Verto. Incoming transfers to these accounts are automatically credited to your platform balance.

Auth required: JWT + KYC approved
Permission required: virtual_account:manage
Base path: /api/v1/virtual-accounts

---

Create Virtual Account

POST /api/v1/virtual-accounts/create
Authorization: Bearer <token>
Content-Type: application/json

{
  "currency": "GBP",
  "customer_reference": "customer_12345",
  "customer_name": "Jane Doe"
}

Response

{
  "id": "va_abc123",
  "account_number": "12345678",
  "sort_code": "04-00-75",
  "bank_name": "Verto",
  "currency": "GBP",
  "status": "active",
  "customer_reference": "customer_12345"
}

---

List Virtual Accounts

GET /api/v1/virtual-accounts
Authorization: Bearer <token>

Response

{
  "accounts": [
    {
      "id": "va_abc123",
      "account_number": "12345678",
      "sort_code": "04-00-75",
      "currency": "GBP",
      "status": "active",
      "customer_reference": "customer_12345",
      "created_at": "2025-06-01T10:00:00Z"
    }
  ],
  "total": 1
}

---

How Incoming Payments Work

1. Customer shares their virtual account number with their bank
2. Bank transfer arrives at Verto
3. Verto fires a webhook to /webhooks/verto
4. The platform credits the corresponding business balance
5. You receive a push notification (if registered)