Named virtual accounts
Every user gets a unique INR account number. No more pooled accounts, reference-number matching, or screenshot verification.
Virtual Accounts
Named accounts. Real-time reconciliation. Zero manual matching.
Issue a unique INR virtual account to every user on your platform. Inbound payments are identified the moment they land — with webhooks that tag the exact user and amount. Send INR payouts 24/7 without cut-off times.
virtualAccounts.list() · live · 5 accounts
Priya Sharma₹ 82,400
Rohan Mehta₹ 2,40,000
Acme Exports₹ 12,80,000
webhook · deposit_received · ✓ auto-attributed
Instant
Account issuance
24/7
INR payouts
Real-time
Reconciliation
UPI + NEFT
Payment rails
What it does
Instant identification
When a payment lands, you know exactly which user sent it and how much — before your ops team even opens a spreadsheet.
Webhook-driven reconciliation
Real-time webhooks fire on every inbound payment with user ID, amount, UTR, and timestamp. Credit user balances automatically.
24/7 INR payouts
Send INR to any bank account via IMPS, NEFT, or RTGS — around the clock, without waiting for banking hours or cut-offs.
UPI collection support
Collect payments via UPI QR codes linked to each user's virtual account. Instant confirmation and automatic crediting.
Ledger-grade audit trail
Every credit and debit is logged with full metadata — UTR, sender details, timestamps — ready for finance and compliance review.
How it works
From integration to settlement.
Create accounts
Call the API to issue a named virtual account for each user. Account details are returned instantly — IFSC, account number, and UPI VPA.
Collect payments
Users send INR via NEFT, IMPS, RTGS, or UPI to their unique account. Payments are identified automatically on arrival.
Reconcile
Webhooks notify your system in real time. Credit user balances programmatically — no manual reconciliation required.
Payout
Send INR payouts to any bank account 24/7 via API. Track status with webhooks and full transaction history.
Built for developers
One API. Production-ready.
Create a virtual account
curl -X POST https://api.clearpayz.com/v1/virtual-accounts \
-H "Authorization: Bearer sk_live_..." \
-H "Content-Type: application/json" \
-d '{
"user_id": "usr_xyz789",
"name": "Rahul Sharma",
"email": "rahul@example.com"
}'
// Response
{
"id": "va_def456",
"account_number": "98765432101234",
"ifsc": "CLPY0000001",
"upi_vpa": "rahul@clearpayz",
"status": "active"
}Why ClearPayz
| Pooled account | ClearPayz Virtual Accounts | |
|---|---|---|
| Payment identification | Manual matching | Automatic |
| Reconciliation time | Hours to days | Real-time |
| Ops overhead | High | Near zero |
| 24/7 payouts | — | ✓ |
| Webhook notifications | — | ✓ |
FAQ
Questions, answered.
How quickly are virtual accounts issued?
Virtual accounts are created instantly via API. Account number, IFSC, and UPI VPA are returned in the same API response.
Which payment rails are supported for collection?
Inbound payments are accepted via NEFT, IMPS, RTGS, and UPI. All rails are mapped to the user's unique virtual account.
Can I send payouts outside banking hours?
Yes. INR payouts via IMPS are available 24/7. NEFT and RTGS follow RBI settlement windows but IMPS covers round-the-clock needs.
What happens if a user sends the wrong amount?
The webhook includes the exact amount received. Your system can apply business rules — auto-credit, hold for review, or refund — based on the discrepancy.
Book a demo
Book a B2B demo
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