1. Virtual Account
BPN OpenAPI
  • Get started
    • Introduction to BPN
    • Introduction to API
    • Architecture Overview
    • Authentication
    • Environments
    • Response envelope
    • Idempotency
  • Guides
    • Virtual Account
      • Virtual Account Overview
      • VA · Payin
      • VA · Payout
      • VA · RFI
      • VA · Statuses
      • VA · Currencies & limits
    • Wallet
      • Wallet Overview
      • Wallet · Deposit
      • Wallet · Withdraw
      • Wallet · Transfer
      • Wallet · Statuses
      • Wallet · Assets & limits
    • Convert
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      • Convert · Quote & submit
      • Convert · Business types
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  • API Reference
    • Virtual Account
      • Virtual Account field notes
      • Inquiry Master VA Balance
      • List Primary Virtual Accounts
      • Create Virtual Account
      • Get Virtual Account Detail
      • List Virtual Account
      • List Virtual Account Orders
      • Get Virtual Account Order Detail
      • Refund Virtual Account Order
      • List RFI Sub Virtual Account
      • Get Sub Virtual Account RFI Template Info
      • Sub Virtual Account Submit RFI
      • Add Bank Account
      • List Bank Account
      • List Banks
      • Payout via Virtual Account
      • Send Email Verify Code
    • Wallet
      • Wallet field notes
      • Get Asset Balance
      • Get Deposit Address
      • Add Deposit Sender
      • Add Withdraw Whitelist
      • Delete Withdraw Whiltelist
      • Request Withdraw
      • Query Wallet Internal Transfer Detail
      • List Wallet Internal Transfer order
      • Wallet Internal Transfer
      • Create Sub Account
      • Query Transaction History
      • List Wallets
      • List Sub Account
    • Payment Link
      • Abnormal fund
        • Abnormal funds
        • Matchable Payment links
        • Link Order(Abnormal fund)
        • Submit to platform
      • Create Payment Link
      • List Payment links
      • Get Curreny Network Config
    • Convert
      • Convert field notes
      • Inquery FX Rate
      • Get Stablecoin Quote
      • Create Stable Order
      • Get Order (Single) Detail
      • List Orders(Batch)
    • KYB
      • Share KYB/KYC Info For Sub User
      • Get KYB Sub User Status
    • Reconciliation
      • Get Reconciliation Order List By Page
    • External Provider
      • FE: Create stablecoin collection sub-account link
      • Create stablecoin collection sub-account link
      • Get sub wallet account
      • List sub wallet accounts
      • Change sub wallet status
      • Query stablecoin collection order list
      • Query stablecoin collection order status
      • Get quote
      • Accept stablecoin collection order
      • Reject stablecoin collection order
      • Query USD balance
      • USD Payout (withdrawal)
      • Query USD Payout order status
      • Query USD Payout order list
    • Mock
      • Mock Virtual account Payin Order
      • Mock wallet deposit transaction
      • Mock Payin Order Refund
      • Mock Payout Order Update Status
    • Pay Session
      • Request Pay Session
  • Webhooks
    • Webhooks Overview
    • Event catalogue
    • KYB notifications
    • Resend Fail Webhook
      POST
    • Open Virtual Account Status
    • Virtual Account Payment Status
    • Virtual Account Invoice update
    • Transaction Status Notification
    • KYB Status Notification
    • Deposit Sender Detail Required
    • Abnormal Fund Notification
    • WALLET_TRANSFER_ORDER_UPDATED
    • Sub Virtual Account RFI Required
    • Sub Wallet Update
    • wallet address whitelist Copy
    • Crypto Deposit Order Notification
    • Collect Order Updated
    • Usd Payout Order Updated
    • onboard result
    • partner order status
    • PaymentLink Notification
  • Partner Flow
    • inquiry supported currency
    • KYC/KYB Sharing
    • inquiry onboard status
    • get price
    • Create order
    • order list
    • inquiry single order
    • get user deposit address
    • get payment instruction
    • sync fund notification
    • daily settlement records
  • Appendix
    • Enums quick reference
    • Virtual Account(VA) Support List & KYB requirement
  • Release Notes & Changelog
  • Errors
    • Error codes catalogue
  1. Virtual Account

VA · Payin

VA · Payin (fiat inbound)#

Parent: Overview · Updated: 2026-08-05

Flow#

Steps#

1.
Create or query a Sub VA (sub/create / sub/get / sub/list)
2.
Watch VIRTUAL_ACCOUNT_UPDATED for account availability changes
3.
Show the collection details to the payer and wait for the bank credit
4.
Receive VIRTUAL_ACCOUNT_ORDER_UPDATED; you may receive VIRTUAL_ACCOUNT_UPDATED again
5.
If SUB_VIRTUAL_ACCOUNT_RFI_REQUIRED arrives asynchronously, follow RFI — remediation is decoupled from the main payin flow
6.
Reconcile the final state and balance with order/detail / primary/get-balance

Refund (payin refund)#

Once a payin order reaches a refundable final state (normally SUCCESS), the merchant can request a refund:
StatusMeaning
REFUNDINGRefund in progress
REFUNDEDRefunded (funds had been credited to the balance)
REFUND_FAILRefund failed
RETURNEDReturned to source (never credited to the balance; typically a compliance / RFI system return)
Endpoint: POST /v1/virtual-account/order/refund. State machine: statuses.md · Payin.

Reconciliation keys#

KeyUse
VA orderIdBPN payin order
Webhook eventIdCallback idempotency
Webhook referenceIdLinked business object

Related statuses#

Order statuses: statuses.md · Payin VaOrderStatus.
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Virtual Account Overview
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VA · Payout
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