USD virtual accounts (United States)


Country	United States
Payment rail	ACH, FedNow and wire
Account types	dedicated
Customers	Individuals and businesses
When it is ready	The customer verifies their identity first. The account is ready once that is approved, which can take longer for some customers.

1. Check availability

Ask what USD needs for your account. The answer lists the required fields per customer type and account type.

curl "https://pay-api.pagoramp.com/api/v1/virtual-accounts/availability?currency=USD" \
  -H "x-api-key: YOUR_API_KEY"

2. Create the customer

Required for an individual: firstname, lastname, email. See Virtual account requirements for every combination.

curl -X POST https://pay-api.pagoramp.com/api/v1/customers \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"firstname":"Ada","lastname":"Okafor","email":"[email protected]"}'

The customer is created with kycStatus incomplete or pending. Anything missing for USD can be added later with PATCH /customers/{uuid} before you request the account.

3. Request the account

curl -X POST https://pay-api.pagoramp.com/api/v1/virtual-accounts \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"customerId":"224ca5c5-f2a6-419b-bf36-73997434d945","currency":"USD","type":"dedicated","reference":"va_1001","redirectUrl":"https://app.example.com/verification-complete"}'

You must have a webhook secret set up first, or the request returns 400 with webhook_secret_required. The response depends on the currency. For USD, expect requires_action then active: requires_action: The customer has to verify first. Send them nextStep.url.

{
  "status": "success",
  "message": "Virtual account created successfully",
  "data": {
    "uuid": "9a1c1c52-7b8e-4a52-9f0e-3e6b0a8d6c11",
    "reference": "va_1001",
    "status": "requires_action",
    "currency": "USD",
    "type": "dedicated",
    "bankDetails": null,
    "customer": {
      "uuid": "224ca5c5-f2a6-419b-bf36-73997434d945",
      "email": "[email protected]"
    },
    "expectedAmount": null,
    "expiresAt": null,
    "nextStep": {
      "type": "verification_link",
      "url": "https://verify.example.com/abc"
    },
    "statusReason": null,
    "metadata": {
      "orderId": "12345"
    },
    "createdAt": "2026-10-16T09:31:00.000Z"
  }
}

active: Ready. Show the bank details to your payer.

{
  "status": "success",
  "message": "Virtual account created successfully",
  "data": {
    "uuid": "9a1c1c52-7b8e-4a52-9f0e-3e6b0a8d6c11",
    "reference": "va_1001",
    "status": "active",
    "currency": "USD",
    "type": "dedicated",
    "bankDetails": {
      "rail": "ach",
      "accountName": "Ada Okafor",
      "accountNumber": "4372970272",
      "routingNumber": "101019644",
      "bankName": "Lead Bank",
      "extra": {
        "beneficiaryAddress": "100 Test Street, San Francisco, CA 94105, US",
        "paymentRails": [
          "ach_push",
          "fednow",
          "wire"
        ]
      }
    },
    "customer": {
      "uuid": "224ca5c5-f2a6-419b-bf36-73997434d945",
      "email": "[email protected]"
    },
    "expectedAmount": null,
    "expiresAt": null,
    "nextStep": null,
    "statusReason": null,
    "metadata": {
      "orderId": "12345"
    },
    "createdAt": "2026-10-16T09:31:00.000Z"
  }
}

If the request is rejected straight away you get 422 with the reason in errors[0].reason and no account is created. If it is rejected later you receive virtual_account.failed with a reason. See Webhooks.

4. Show the details to your payer

Show these fields from bankDetails:

Label	Field
Account name	`accountName`
Account number	`accountNumber`
Routing number	`routingNumber`
Bank	`bankName`

How your payer sends the money:

Add the account as a payee in their US bank, using the routing and account numbers.
Send by ACH, FedNow or wire.
ACH takes longer to arrive than FedNow or wire.

5. Receive the payment

When the payment arrives you receive virtual_account.payment.received. Amounts are decimal strings in USD; destinationAmount is in USD, after any fees.

{
  "event": "virtual_account.payment.received",
  "data": {
    "transaction": {
      "reference": "va-17912345678901234",
      "status": "Success",
      "sourceAmount": "250.00",
      "sourceCurrency": "USD",
      "destinationAmount": "249.10",
      "destinationCurrency": "USD",
      "fees": {
        "sourceTotalFee": "0.00"
      }
    },
    "virtualAccount": {
      "uuid": "9a1c1c52-7b8e-4a52-9f0e-3e6b0a8d6c11",
      "reference": "va_1001",
      "currency": "USD",
      "type": "dedicated"
    },
    "customer": {
      "uuid": "224ca5c5-f2a6-419b-bf36-73997434d945",
      "email": "[email protected]",
      "externalReference": null
    },
    "sender": {
      "name": "ADA OKAFOR",
      "bank": "Chase",
      "accountNumber": "******6789"
    },
    "occurredAt": "2026-10-16T10:02:00.000Z"
  }
}

Verify the signature before you trust it, and use data.transaction.reference to ignore repeats. See Webhooks.

Things to handle

Verification happens on a secure page. The create call returns status: requires_action and a nextStep.url; send it to your customer. Pass redirectUrl to choose where they return afterwards.
The account stays requires_action until verification passes, then becomes active and you receive virtual_account.created. If it is declined you receive virtual_account.failed with the reason.
A payment can be held for review. You receive virtual_account.payment.manual_review with a review.reason, then received or rejected after a decision.
GET /virtual-accounts/{uuid} returns the current status at any time, and POST /virtual-accounts/{uuid}/deactivate stops the account accepting payments.

Get Started

Customers

Multi-currency Virtual Accounts

Webhooks

1. Check availability

2. Create the customer

3. Request the account

4. Show the details to your payer

5. Receive the payment

Things to handle

​1. Check availability

​2. Create the customer

​3. Request the account

​4. Show the details to your payer

​5. Receive the payment

​Things to handle

1. Check availability

2. Create the customer

3. Request the account

4. Show the details to your payer

5. Receive the payment

Things to handle