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Simplify Complex
Collections with
Virtual Accounts
Build, automate, and manage high-volume payment
collections with API-driven virtual account systems and
real-time reconciliation.
"status": "active",
"va_id": "VA_8X2K9M",
"balance": "₹0.00"
}
From: user@upi
Status: Settled
What are Virtual Accounts?
Virtual Accounts are system-generated, unique account identifiers mapped to a master settlement account. They function as a technology layer for payment identification, routing, and reconciliation, enabling platforms to handle high-volume collections without operational complexity.
At OrbitPay, we provide API-driven Virtual Account infrastructure that allows platforms, fintechs, and enterprises to build, automate, and scale their collection systems with precision, control, and real-time visibility.
How It Works?
Fully automated. API-controlled. Scalable by design.
Generate Accounts
Create virtual accounts using API for users or payments.
Map to Master Account
Link each virtual account to a central settlement account.
Accept Payments
Receive funds via UPI, IMPS, NEFT, and RTGS seamlessly
Auto Identify Payments
Automatically tag incoming payments to the correct entity.
Trigger Webhooks
Enable real-time updates and automated reconciliation flows.
Core Capabilities
Built to simplify, automate, and scale your payment operations.
API-First Architecture
Seamless integration to create, manage, and monitor virtual accounts programmatically.
Real-Time Reconciliation Engine
Automated mapping of incoming payments with instant status updates.
Multi-Entity Mapping
Assign virtual accounts to users, merchants, vendors, or internal systems.
Multi-Rail Compatibility
Support across UPI, IMPS, NEFT, RTGS for unified collection infrastructure.
Data & Reporting Layer
Access granular transaction data, logs, and reconciliation reports.
Secure & Compliant Framework
Built with banking-grade security and audit-ready traceability.
Ready to Scale Collections?
Enable virtual accounts with simple API integration.