Create a Customer Identifier With VPA and Bank Account Receivers With Smart Collect 2.0

Create a Customer Identifier with both VPA and bank account receivers using the Razorpay API. Ensure seamless, secure transactions with efficient and reliable integration.

POST /v1/virtual_accounts

Curl

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/virtual_accounts \
-H "Content-Type: application/json" \
-d '{
  "receivers": {
    "types": [
      "vpa",
      "bank_account"
    ],
        "bank_account": 
        {
          "descriptor": "1234567890"
        }
        "vpa": 
        {
          "descriptor": "gaurikumari"
        }
  },
  "description": "Receive payment instalment from Gaurav Kumar- Flat No 105",
  "customer_id": "cust_BM8NbnFAk1BVDA",
  "close_by": 1681615838
}'

Success

{
  "id": "va_DzaznJGgvduD1R",
  "name": "Acme Corp",
  "entity": "virtual_account",
  "status": "active",
  "description": "Receive payment instalment from Gaurav Kumar- Flat No 105",
  "amount_expected": null,
  "notes": [],
  "amount_paid": 0,
  "customer_id": "cust_BM8NbnFAk1BVDA",
  "receivers": [
    {
      "id": "ba_Dzaznb0XK1yx1l",
      "entity": "bank_account",
      "ifsc": "RATN0VAAPIS",
      "bank_name": "RBL Bank",
      "name": "Acme Corp",
      "notes": [],
      "account_number": "2223333226676435"
    },
    {
      "id": "vpa_DzaznS24HKkTBY",
      "entity": "vpa",
      "username": "rpy.payto00000gaurikumari",
      "handle": "icici",
      "address": "rpy.payto00000gaurikumari@icici"
    }
  ],
  "close_by": 1681615838,
  "closed_at": null,
  "created_at": 1577965559
}

Available in🇮🇳 India🇸🇬 Singapore🇺🇸 United States

Use this endpoint to create a Customer Identifier with both bank_account and vpa receiver types.

You can customise the merchant prefix of the vpa (payto00000) as per your business requirements. This is an on-demand feature and is not available by default. To enable creation of custom merchant prefix, raise a request on our Support Portal.

Watch Out!

You cannot create a Customer Identifier with VPA Receiver alone. You can only add VPA to an existing Customer Identifier.

Curl

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-X POST https://api.razorpay.com/v1/virtual_accounts \
-H "Content-Type: application/json" \
-d '{
  "receivers": {
    "types": [
      "vpa",
      "bank_account"
    ],
        "bank_account": 
        {
          "descriptor": "1234567890"
        }
        "vpa": 
        {
          "descriptor": "gaurikumari"
        }
  },
  "description": "Receive payment instalment from Gaurav Kumar- Flat No 105",
  "customer_id": "cust_BM8NbnFAk1BVDA",
  "close_by": 1681615838
}'

Success

{
  "id": "va_DzaznJGgvduD1R",
  "name": "Acme Corp",
  "entity": "virtual_account",
  "status": "active",
  "description": "Receive payment instalment from Gaurav Kumar- Flat No 105",
  "amount_expected": null,
  "notes": [],
  "amount_paid": 0,
  "customer_id": "cust_BM8NbnFAk1BVDA",
  "receivers": [
    {
      "id": "ba_Dzaznb0XK1yx1l",
      "entity": "bank_account",
      "ifsc": "RATN0VAAPIS",
      "bank_name": "RBL Bank",
      "name": "Acme Corp",
      "notes": [],
      "account_number": "2223333226676435"
    },
    {
      "id": "vpa_DzaznS24HKkTBY",
      "entity": "vpa",
      "username": "rpy.payto00000gaurikumari",
      "handle": "icici",
      "address": "rpy.payto00000gaurikumari@icici"
    }
  ],
  "close_by": 1681615838,
  "closed_at": null,
  "created_at": 1577965559
}

Request Parameters

receivers · json object · required

Configuration of desired receivers for the Customer Identifier.

types · array

List of desired receiver types. Possible values:

• bank_account
• vpa

vpa · json object

Descriptor details for the virtual UPI ID. This is to be passed only when vpa is passed as the receiver types.

descriptor · string

You can provide a custom descriptor for the UPI ID. This is a unique identifier provided by you to identify the customer. For example, gaurikumari and akashkumar are the descriptors in the usernames rpy.payto00000gaurikumari and rpy.payto00000akashkumar respectively. The combination of merchant prefix and descriptor must be 20 characters. The length of the merchant prefix can vary between 4-10 characters, and the length of descriptor from 10-16 characters.

bank_account · json object

Descriptor details for the Bank Account. This is to be passed only when bank_account is passed as the receiver types.

descriptor · string

A unique, numeric / alphanumeric custom descriptor defined by you for the bank account. The maximum length allowed is 10 digits.

Handy Tips
Please reach out to the support team if you are unable to pass the parameter with bank_account.

description · string

A brief description of the Customer Identifier.

customer_id · string

Unique identifier of the customer to whom the Customer Identifier must be tagged. Create a customer using the Customer API.

notes · json object

Any custom notes you might want to add to the Customer Identifier can be entered here. Know more about notes.

close_by · integer

UNIX timestamp at which the Customer Identifier is scheduled to be automatically closed. For example, 1681615838. This needs to be passed only if you want the Customer Identifier to be temporary and auto-deleted after a specific usage time.

Watch Out!

• While sharing the details of Customer Identifiers (created using RBL bank) with the customers, ensure that the fifth character in the IFSC is number 0 and not the letter O. For example, valid IFSC is RATN0VAAPIS and not RATNOVAAPIS.
• A Customer Identifier will close automatically only if the UNIX timestamp is passed in the close_by request parameter.

Response Parameters

id · string

The unique identifier of the Customer Identifier.

name · string

The merchant billing label as it appears on the Dashboard.

entity · string

Indicates the type of entity. Here, it is virtual account.

status · string

Indicates whether the Customer Identifier is in active or closed state.

description · string

A brief description about the Customer Identifier.

amount_expected · integer

The amount expected by the merchant.

amount_paid · integer

The amount paid by the customer into the Customer Identifier.

notes · json object

Any custom notes you might want to add to the Customer Identifier can be entered here. Know more about notes.

customer_id · string

Unique identifier of the customer the Customer Identifier is linked with. Know more about Customer API.

receivers · json object

Configuration of desired receivers for the Customer Identifier.

id · string

The unique identifier of the virtual bank account or virtual UPI ID. Sample IDs for:

• Virtual bank account: ba_Di5gbQsGn0QSz3
• Virtual UPI ID: vpa_CkTmLXqVYPkbxx

entity · string

Name of the entity. Possible values are:

• bank_account
• vpa

ifsc · string

The IFSC for the virtual bank account created. For example, RAZR0000001. This parameter appears in the response only when bank_account is passed as the receiver type.

bank_name · string

The bank associated with the virtual bank account. For example, RBL Bank. This parameter appears in the response only when bank_account is passed as the receiver type.

account_number · string

The unique account number provided by the bank. For example, 1112220061746877. This parameter appears in the response only when bank_account is passed as the receiver type.

name · string

The merchant billing label as it appears on the Dashboard. This parameter appears in the response only when bank_account is passed as the receiver type.

notes · json object

Any custom notes you might want to add to the virtual bank account or virtual UPI ID can be entered here. Know more about notes. This parameter appears in the response only when bank_account is passed as the receiver type.

username · string

The UPI ID consists of the username and the bank handle. The username consists of the namespace (assigned by the bank to Razorpay), the merchant prefix (which can be customised by you) and the descriptor (which you provide to identify the customer). The unique identifier which forms the first half of the virtual UPI ID. For example, rpy.payto00000gaurikumari. This parameter appears in the response only when vpa is passed as the receiver type. The descriptor can be 10 characters only.

handle · string

The bank name that forms the second half of the virtual UPI ID. For example, icici. This parameter appears in the response only when vpa is passed as the receiver type.

address · string

The UPI ID that combines the username and the handle with the @ symbol. For example, rpy.payto00000gaurikumari@icici. This parameter appears in the response only when vpa is passed as the receiver type.

close_by · integer

UNIX timestamp at which the Customer Identifier is scheduled to be automatically closed. This is returned only if the UNIX timestamp was specified during the Customer Identifier creation. There is no expiry time for a Customer Identifier unless specified during creation.

closed_at · integer

UNIX timestamp at which the Customer Identifier is automatically closed.

created_at · integer

UNIX timestamp at which the Customer Identifier was created.

Errors

The api `<key/secret> ` provided is invalid

Code: 4xx

Occurs when there is a mismatch between the API credentials passed in the API call and the API credentials generated on the dashboard.

Solution: Make sure that the API keys are active and entered correctly. Also, make sure there are no whitespaces before or after the keys.

The `field name` is required

Code: 400

Occurs when a mandatory field is empty.

Solution: Make sure that all the mandatory fields are filled.

The id provided does not exist

Code: 400

Occurs when the customer_id passed is wrong or does not belong to the identifier associated to the API Keys used.

Solution: Make sure that the customer_id and the API keys used belong to the same identifier and same mode, whether test or live respectively.

Receivers field is required

Code: 400

Occurs when the receivers field is empty.

Solution: Make sure that the receivers field is populated with receiver type as either bank account or VPA according to your receiver requirement.

An active Customer Identifier with the same descriptor already exists for your account.

Code: 400

The description provided by you already exists for another account.

Solution: Provide a different description, as the same description already exists for an account.