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Manage Virtual Accounts used as Collection Tools

Learn how you can update and deactivate virtual accounts used as collection tool.

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Listed below are the various options available to manage virtual accounts used as collection tools.

  • Update Virtual Account: Update account information.

  • Deactivate Virtual Account: Instantly deactivate a virtual account.

Update Virtual Account

After creating a virtual account used as a collection tool, you can update the information listed below using the Update Virtual Account API.

  • Create additional VPA handled for the account.
  • Account holder's email address.
  • Metadata

Create Additional VPA Handles

To create additional VPA handles, pass true against the create_vpa parameter in the request body.

When you do this, we autogenerate an additional VPA for the account.

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Note

  • You can create a maximum of 3 additional VPA handles for an account.
  • You cannot deactivate individual VPA handles. To deactivate a VPA handle, deactivate the account. This deactivates all VPA handles linked to the account.

Update Email Address

To update the email address linked to an account, pass the new email address against the email parameter.

Endpoint

Use the below endpoint to update information linked to a virtual account.

POST: https://api.zwitch.io/v1/accounts/{account_id}

Sample Code

Below is a sample request and response for the Update Virtual Account API.

{
  "create_vpa": true,
  "kyc": {
    "state_code": "KA",
    "city": "Bangalore",
    "pan": "AAAPA0000A",
    "pan_verification_id": "pan_r2cBKOyB6PHvpknksQnsE3Dmf",
    "postal_code": 560010,
    "business_type": "partnership",
    "business_category": "garage_owners",
    "contact_person": null
  },
  "email": "[email protected]"
}

{
  "id": "va_VTNxiFQ5nVt1UPOB6k643mk4G",
  "object": "account.virtual",
  "type": "virtual",
  "used_as": "collection_tool",
  "bank_name": "yes_bank",
  "name": "Anil Reddy",
  "mobile_number": "9876543210",
  "email": "[email protected]",
  "account_number": "36363651511821672",
  "ifsc_code": "YESB0CMSNOC",
  "vpa": "zwch1835238750@yesbank",
  "additional_vpa": [
    {
      "vpa": "zwch1469486732@yesbank",
      "status": "active",
      "created_at": 1707736926
    }
  ],
  "whitelisted_remitters": [],
  "whitelisted_beneficiaries": [],
  "kyc": {
    "city": "Bangalore",
    "postal_code": "560010",
    "state_code": "KA",
    "pan": "XXXXXX000A",
    "business_type": "partnership",
    "business_category": "garage_owners",
    "contact_person": null,
    "pan_verification_id": "pan_r2cBKOyB6PHvpknksQnsE3Dmf"
  },
  "customer": {
    "id": "cus_OGOuL7NxzlUj27ECK6T6E0xCR",
    "mobile_number": "9876543210"
  },
  "metadata": {
    "key_1": "DD+Cheque",
    "key_2": "MSF"
  },
  "status": "active",
  "created_at": 1707736918,
  "is_sandbox": true,
  "settlement_account_id": null,
  "verified_beneficiaries": [],
  "verified_remitters": []
}

Refer to the Update Virtual Account API documentation for more information.

Deactivate Account

The Deactivate Account API allows you to instantly deactivate an account. Accounts can be deactivated after they have served their purpose. This prevents misuse of the account and ensures the account is only used for the intended purpose. This makes accounting and account reconciliation easier. An account can also be deactivated if any suspicious activity is detected on the account.

Once an account is deactivated, it cannot be used to make transfers or receive payments.

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Note

  • Once a virtual account is deactivated it cannot be reactivated.

  • Only virtual accounts with zero balance can be deactivated.

Endpoint

Use the below endpoint to deactivate a virtual account.

POST: https://api.zwitch.io/v1/accounts/{account_id}/deactivate

Sample Code

Below is a sample response for the Deactivate Account API.

{
  "id": "va_VTNxiFQ5nVt1UPOB6k643mk4G",
  "object": "account.virtual",
  "type": "virtual",
  "used_as": "collection_tool",
  "bank_name": "yes_bank",
  "name": "Anil Reddy",
  "mobile_number": "9876543210",
  "email": "[email protected]",
  "account_number": "36363651511821672",
  "ifsc_code": "YESB0CMSNOC",
  "vpa": "zwch1835238750@yesbank",
  "additional_vpa": [
    {
      "vpa": "zwch1469486732@yesbank",
      "status": "deactivated",
      "created_at": 1707736926
    }
  ],
  "whitelisted_remitters": [],
  "whitelisted_beneficiaries": [],
  "kyc": {
    "city": "Bangalore",
    "postal_code": "560010",
    "state_code": "KA",
    "pan": "XXXXXX000A",
    "business_type": "partnership",
    "business_category": "garage_owners",
    "contact_person": null,
    "pan_verification_id": "pan_r2cBKOyB6PHvpknksQnsE3Dmf"
  },
  "customer": {
    "id": "cus_OGOuL7NxzlUj27ECK6T6E0xCR",
    "mobile_number": "9876543210"
  },
  "metadata": {
    "key_1": "DD+Cheque",
    "key_2": "MSF"
  },
  "status": "deactivated",
  "created_at": 1707736918,
  "is_sandbox": true,
  "settlement_account_id": null,
  "verified_beneficiaries": [],
  "verified_remitters": []
}

Refer to the Deactivate Virtual Account API documentation for more information.

Updated 2 months ago