> ## 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.

# Smart Collect

> Create Customer Identifiers on-demand for customers to pay via NEFT, RTGS and IMPS using Razorpay Smart Collect APIs.

<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>
  <span>🇸🇬 Singapore</span>
</div>

You can create Customer Identifiers using the Smart Collect APIs to accept large payments from your customers in the form of bank transfers via NEFT, RTGS and IMPS.

<Info>
  **Handy Tips**

  * If you are a new customer, explore [Smart Collect 2.0](/docs/sg/api/payments/smart-collect-2) . It uses the same APIs as **Smart Collect**, while also offering additional endpoints—such as creating a Customer Identifier with a VPA and bank account, fetching UPI payments, and adding a VPA Receiver to an existing Customer Identifier.
  * You can also **Add an Allowed Payer** or **Delete an Allowed Payer** using [Smart Collect TPV](/docs/sg/api/payments/smart-collect-tpv)  APIs.
</Info>

<br />

<CardGroup cols={2}>
  <Card title="Create a Customer Identifier With Bank Account Receiver" href="/docs/sg/api/payments/smart-collect/create-cust-id-bank-account">
    `POST` `/v1/virtual_accounts`

    Creates a Customer Identifier with bank account receiver.
  </Card>

  <Card title="Update a Customer Identifier" href="/docs/sg/api/payments/smart-collect/update">
    `POST` `/v1/virtual_accounts/:id`

    Updates details of a Customer Identifier.
  </Card>

  <Card title="Fetch a Customer Identifier Using ID" href="/docs/sg/api/payments/smart-collect/fetch-with-id">
    `GET` `/v1/virtual_accounts/:id`

    Retrieves details of a Customer Identifier using id.
  </Card>

  <Card title="Fetch All Customer Identifiers" href="/docs/sg/api/payments/smart-collect/fetch-all">
    `GET` `/v1/virtual_accounts/`

    Retrieves details of all Customer Identifiers.
  </Card>

  <Card title="Fetch Payments for a Customer Identifier" href="/docs/sg/api/payments/smart-collect/fetch-payments-cust-id">
    `GET` `/v1/virtual_accounts/:id/payments`

    Retrieves details of payments made against a particular Customer Identifier.
  </Card>

  <Card title="Fetch Payments Made By Bank Transfer" href="/docs/sg/api/payments/smart-collect/fetch-payments-bank-transfer">
    `GET` `/v1/virtual_accounts/:id/payments`

    Retrieves details of a payment using bank transfer method.
  </Card>

  <Card title="Fetch Payments Using UTR" href="/docs/sg/api/payments/smart-collect/fetch-payments-bank-transfer-utr">
    `GET` `/v1/payments?skip=0&count=25&va_transaction_id=:id&virtual_account=1`

    Retrieves details of a payment using bank transfer method via UTR.
  </Card>

  <Card title="Close a Customer Identifier" href="/docs/sg/api/payments/smart-collect/close">
    `POST` `/v1/virtual_accounts/:id/close`

    Closes a Customer Identifier.
  </Card>

  <Card title="Add VPA Receiver to existing Customer Identifier With Smart Collect 2.0" href="/docs/sg/api/payments/smart-collect-2/add-receiver-vpa">
    `POST` `v1/virtual_accounts/:id/receivers`

    Adds a VPA Receiver to an existing Customer Identifier With Smart Collect 2.0.
  </Card>

  <Card title="Create Customer Identifier with VPA and Bank Account Receivers With Smart Collect 2.0" href="/docs/sg/api/payments/smart-collect-2/create-cust-id-bank-account-vpa">
    `POST` `/v1/virtual_accounts`

    Creates a Customer Identifier with VPA and Bank Account Receivers With Smart Collect 2.0.
  </Card>

  <Card title="Fetch Payments Made Using UPI With Smart Collect 2.0" href="/docs/sg/api/payments/smart-collect-2/fetch-payments-upi">
    `GET` `/v1/payments/:id/upi_transfer`

    Retrieves payments made using UPI With Smart Collect 2.0.
  </Card>
</CardGroup>

## Related Guides

* [About Smart Collect](/docs/sg/payments/smart-collect)
* [Set Up Webhooks](/docs/sg/webhooks/setup-edit-payments)
* [Webhook Payloads](/docs/sg/webhooks/smart-collect)