> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-881012b3.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Account Migration - New PA/PG Guidelines

> Update your setup to work with our new banking partners.

<div style={{display:"flex",flexWrap:"wrap",alignItems:"center",gap:"0.35rem 0.9rem",border:"1px solid rgba(128,128,128,0.28)",borderRadius:"0.5rem",padding:"0.45rem 0.75rem",margin:"0 0 1.25rem",fontSize:"0.875rem"}}>
  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
</div>

RBI [revised guidelines](https://www.rbi.org.in/scripts/FS_Notification.aspx?Id=11822\&fn=9\&Mode=0) for PA/PG requires Razorpay to have an escrow account with RBL as banking partner. Existing Customer Identifiers with Yes Bank and ICICI Bank will be shut down, and all banking ops moved to RBL escrow account. Dashboard shows both old and newly created Customer Identifier until Jan 31, 2022.

## API Interface Post Migration

Post migration, new virtual response for Customer Identifier built on Yes Bank/ICICI Bank will contain two objects in receivers array, one for new RBL CI and one for existing Yes Bank/ICICI Bank CI. Confirm new RBL CI by checking IFSC Code `RATN0VAAPIS`.

The following sample response code can be used as a reference:

```json API Sample Response Code theme={null}
{
  "entity": "collection",
  "count": 2,
  "items": [
    {
      "id": "va_IirUUD9dDm4G4i",
      "name": "Test Account",
      "entity": "virtual_account",
      "status": "active",
      "description": "Vishnu Jangid",
      "amount_expected": null,
      "notes": {
        "project_name": "Vishnu Jangid"
      },
      "amount_paid": 0,
      "customer_id": null,
      "receivers": [
        {
          "id": "ba_IirUUYO8caNoK5",
          "entity": "bank_account",
          "ifsc": "YESB0CMSNOC",
          "bank_name": "Yes Bank",
          "name": "Test Account",
          "notes": [],
          "account_number": "2223330053041804"
        },
        {
          "id": "ba_IirUUYO8sh1602",
          "entity": "bank_account",
          "ifsc": "RATN0VAAPIS",
          "bank_name": "RBL Bank",
          "name": "Test Account",
          "notes": [],
          "account_number": "2223330053041804"
        }
      ],
      "close_by": 1681615838,
      "closed_at": null,
      "created_at": 1641997300
    }
  ]
}
```

## Frequently Asked Questions (FAQs)

<AccordionGroup>
  <Accordion title="Does this impact the Customer Identifiers I create?">
    All existing Smart Collect merchants who create Customer Identifiers with Yes Bank or ICICI are impacted. Merchants with Customer Identifiers through RBL Bank are not impacted.
  </Accordion>

  <Accordion title="Are all the Customer Identifiers migrated to RBL Bank?">
    Only Customer Identifiers created with Yes Bank and ICICI Bank are migrated to RBL Bank.
  </Accordion>

  <Accordion title="What is the impact on my Customer Identifiers?">
    The Customer Identifiers created with Yes Bank and ICICI bank have been shut down on 31st January 2022. Post that, transfer of any funds to these Customer Identifiers are not being processed.
  </Accordion>

  <Accordion title="What if I specifically want a Customer Identifier with Yes Bank or ICICI Bank?">
    Due to revised guidelines, we do not support issuing Customer Identifiers with Yes Bank or ICICI Bank.
  </Accordion>

  <Accordion title="Can I continue using my existing Customer Identifiers?">
    After 31st January 2022, you cannot receive payments on the existing Customer Identifiers.
  </Accordion>

  <Accordion title="What actions do I need to take?">
    * The account number and/or IFSC codes for all impacted Customer Identifiers change.
    * You must inform your customers so they can add the new Customer Identifiers as beneficiaries for NEFT/IMPS/RTGS payments.
    * Until 31st January 2022, incoming payments were being received on both old and new Customer Identifiers.
    * Post 31st January 2022, fund transfers to old Customer Identifiers are not being processed.
  </Accordion>
</AccordionGroup>

### Related Information

* [Razorpay Smart Collect](/docs/payments/smart-collect)
* [How Smart Collect Works](/docs/payments/smart-collect/how-it-works)
* [Customer Identifier States](/docs/payments/smart-collect/states)
* [Smart Collect APIs](/docs/api/payments/smart-collect)
* [Subscribe to Webhooks](/docs/payments/smart-collect/subscribe-to-webhooks)