Creating a Virtual Account

⚠️ Important: In Chile, virtual accounts cannot be created through the API. Only Offline creation is supported in this market. Make sure to follow the offline creation flow and refer to the Business Properties section for details on how to configure and request virtual accounts in Chile.

Before Creating a Virtual Account

Before submitting a request to create a virtual account, ensure you have completed the following:

1. Generate an Access Token (Required): You'll need a valid access token to authenticate your API requests. Refer to the Generate an Access Token documentation for instructions.

2. Validate Identity Document (Optional): You can optionally validate the customer's identity document information before processing the payment. This helps prevent transaction failures and ensures compliance with local regulations. Refer to the Validate Identity Document documentation for more information.

3. Get National Holidays (Optional): You can optionally retrieve information about national holidays in the relevant country. This information can be useful for anticipating potential delays in bank processing. See the Get National Holidays documentation for more information.

Steps to Create a Virtual Account

Integrating Localpayment's Virtual Accounts into your system involves a series of steps to enable seamless account generation, payment reception, and automated reconciliation. Virtual accounts can be created either online via API or offline through coordination with our support team. Follow this guide to configure and manage virtual accounts for your customers efficiently.

For offline virtual account creation, please refer to the Offline Virtual Account Creation article.

1. Create a Virtual Account: Use the Localpayment API to programmatically create virtual accounts for your customers or transactions. For creating multiple accounts simultaneously, utilize the Create Virtual Accounts in Batch endpoint.

2. Retrieve Virtual Account Information: After creating a virtual account, you'll need to retrieve its details and present them to your customer so they can complete the payment.

3. Enable/Disable Virtual Account: You can temporarily enable or disable a virtual account using the corresponding endpoint. Disabling an account prevents further payments but does not delete the account entirely. This is useful for account management without data loss.

4. Delete Virtual Account: If the account is no longer needed, you can delete it permanently.

5. Virtual Accounts Alias (Brazil only): For operations in Brazil, enhance the payment experience by using aliases for your virtual accounts.