jStack

Virtual Accounts

Create dedicated account identities for every customer and transaction flow.

Use virtual account infrastructure to simplify collections, reconciliation and account-based financial experiences.

Talk to an Expert Explore Virtual Accounts ↓
Collectionsreal-time

virtual accounts

24,118

collected today

3.9M

auto-matched

99.1%

open items

12

  • VA 8841 · Customer A
    +42,000.00success
  • VA 8902 · Merchant C
    +8,150.00success
  • VA 9014 · Invoice D
    +1,220.00pending

Value Proposition

One underlying account. Thousands of identifiable money flows.

Master account → virtual identities

Master Account

acc_master_0041

  • VA 001Customer A
  • VA 002Customer B
  • VA 003Merchant C
  • VA 004Invoice D
Automatic Identification & Reconciliation

Core Capabilities

Everything needed to identify incoming money.

01

Virtual Account Creation

Generate account identifiers for customers, businesses or transactions.

02

Customer Mapping

Map incoming payments automatically to the correct customer or business context.

03

Collections

Receive and track incoming account-based payments.

04

Automated Reconciliation

Match transactions using dedicated account references.

05

Account Status

Activate, suspend or close virtual accounts.

06

Transaction Tracking

Search transaction history by virtual account, customer or reference.

07

Webhooks

Trigger events when money arrives or account status changes.

Operations

Track every virtual account and its collection activity.

Virtual Accountsdummy data
  • Virtual AccountVA-0000-8841
    CustomerCustomer A
    ReferenceINV-2291
    Incoming42,000.00
    Total Collected618,400.00
    Last Txn2 min ago
    Statusactive
    Reconsuccess
  • Virtual AccountVA-0000-8902
    CustomerMerchant C
    ReferenceMRC-114
    Incoming8,150.00
    Total Collected204,880.00
    Last Txn18 min ago
    Statusactive
    Reconsuccess
  • Virtual AccountVA-0000-9014
    CustomerInvoice D
    ReferenceINV-2318
    Incoming1,220.00
    Total Collected12,900.00
    Last Txn1 hr ago
    Statusactive
    Reconpending
  • Virtual AccountVA-0000-9120
    CustomerCustomer B
    ReferenceSUB-771
    Incoming0.00
    Total Collected88,200.00
    Last Txn2 days ago
    Statuspending
    Reconsuccess

How It Works

From incoming payment to reconciled record.

Origin

  • Customer / Business
  • Unique Virtual Account
  • Incoming Bank Payment
  • jStack Virtual Account Infrastructure
  • Customer Mapping
  • Ledger / Reconciliation

Downstream

  • Business System

Use Cases

Collections across every account-based flow.

  • Payment Collection
  • Marketplace Sellers
  • Loan Repayments
  • Invoice Collection
  • Merchant Collection
  • Corporate Treasury
  • Fintech Accounts
  • Education Fee Collection

Developers

Create and manage virtual accounts through APIs.

Provision account identifiers, map them to customers and receive events the moment money arrives.

  • REST APIs
  • Webhooks
  • Sandbox
  • API Keys
  • Idempotency
  • Event Logs
Virtual Accounts APIREST
POST   /virtual-accounts
GET    /virtual-accounts/{id}
PATCH  /virtual-accounts/{id}/status
GET    /virtual-accounts/{id}/transactions

event  virtual_account.credited

Related Products

Make every incoming payment identifiable.

Dedicated account identities, automatic mapping and reconciliation built in.

Build with Virtual Accounts