Fiat Virtual Accounts & Settlement

This guide shows how to provision virtual accounts (VA) for local fiat currencies, receive incoming payments, handle refunds, and query balances. The virtual account creation, webhook notification, refund, and query flow is largely the same across all supported local payment methods — we use Brazil's PIX as the worked example throughout. Only method-specific payload fields differ per market.

Applies to all supported local currencies

The APIs, parameters, and lifecycle shown below are shared across markets. Only the local-method-specific payload fields differ (e.g., PIX Key for BRL, CLABE for MXN, collection account for NGN/KES). If you've integrated one corridor, adding another is mostly a matter of swapping the payment method identifier.

Next step

Once funds settle to your VA balance, you can convert them to USDC/USDT. See Convert Stablecoins for the conversion flow.

1. Create Virtual Account

All local payment methods are provisioned through the same API (create virtual account). The account types supported per currency:

Currency	Supported Account Types
BRL	Static PIX Key, Dynamic QR Code
MXN	CLABE account
NGN	Collection account
KES	Collection account
COP	Dynamic Payment Link, Static collection account

BRL (PIX) — specific notes:

A Dynamic QR Code has a maximum validity of 72 hours.

When creating a PIX Key, the system will also generate a corresponding Static QR Code together with it.

Receive Open Virtual Account Status: Open Virtual Account Status

2. Receive Funds via Webhook

After payers transfer to the VA (PIX QR scan, CLABE transfer, etc.), subscribe to our webhook to get real-time payment status updates.

API reference: virtual account payment status

3. Refund to Original Route

If a received payment needs to be returned via the same route, call:

API reference: refund virtual account order

4. List Virtual Account Orders

Batch query VA inbound orders for operational review:

API reference: list virtual account

5. Master VA Balance Inquiry

Check the total balance across the master VA:

API reference: Master VA balance inquiry

6. Reports

For end-of-period billing and reconciliation reports of all VA inbound payments:

API reference: list virtual account orders (reporting)

Fiat Vitual Account

Fiat Virtual Accounts & Settlement#

1. Create Virtual Account#

2. Receive Funds via Webhook#

3. Refund to Original Route#

4. List Virtual Account Orders#

5. Master VA Balance Inquiry#

6. Reports#