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Virtual Bank Accounts (VBAs) let you collect payments through NEFT, RTGS, and IMPS transfers. Each VBA is a unique account number assigned to a customer or transaction, enabling automated reconciliation of incoming payments.

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Prerequisites

Ensure you complete the following before getting started:

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Creating a VBA

Use the following steps to create a VBA:
  1. Log in to the Merchant Dashboard.
  2. Navigate to Payment Gateway > VBA Configuration > VBA Accounts.
  3. Click Create VBA Account. VBA Accounts page on the Merchant Dashboard
  4. In the Create Virtual Bank Account side panel, enter the following details:
    • Account Holder Name: Enter the name of the account holder.
    • Virtual Account ID: Enter a unique identifier for the payer. This is appended to the generated virtual account number. A maximum of 20 characters are allowed.
    • Mobile Number: Enter the account holder’s mobile number.
    • Email ID: Enter the account holder’s email address.
  5. Enable any of the following optional settings using the toggles:
    • Receive Notifications: Notify the account holder when a payment is received. When enabled, select a notification group from the Select Groups dropdown, or click + Create a group to set up a new one.
    • Add KYC Details: Attach KYC information to this VBA. This is optional unless mandated by Cashfree Payments for your account. When enabled, enter the following details:
      • Aadhaar Number: Enter the account holder’s 12-digit Aadhaar number.
      • GSTIN: Enter the GST Identification Number.
      • PAN: Enter the account holder’s PAN.
    • Get payments from a specific account: Optionally restrict this VBA to accept payments only from specified source accounts. Payments from any other account are rejected. When enabled, enter the following details:
      • Account Number: Enter the source account number.
      • IFSC: Enter the IFSC code for the source account.
      • Click + Add another account to add multiple source accounts.
    • Get payments of a set amount or range: Optionally set a limit on accepted payment amounts. When enabled, enter the following details:
      • Min. Amount: Enter the minimum accepted payment amount.
      • Max. Amount: Enter the maximum accepted payment amount.
  6. Click Create Virtual Account.
Create numeric-only virtual bank account numbers where possible. Some banking apps do not support alphabetic characters in account number fields, which can cause payment failures. Numeric account numbers reduce input errors and improve payment success rates.
After you save, the VBA appears on the VBA Accounts page. Use the All, Active, and Inactive filters at the top of the page to filter virtual bank accounts by status. For each VBA card, you can copy account details, or update the existing account details by clicking the Edit Details button.

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Bulk creating or deactivating VBAs

Use the following steps to create or deactivate multiple VBAs:
  1. Log in to the Merchant Dashboard.
  2. Navigate to Payment Gateway > VBA Configuration > VBA Accounts.
  3. Click Bulk Create & Update.
  4. Download the relevant CSV template:
    • Create multiple VBAs: Downloads a template to fill in details for new VBAs.
    • Deactivate multiple VBAs: Downloads a template to specify VBAs to deactivate.
  5. Fill in the required details in the downloaded CSV file.
  6. Click Upload File and select your completed CSV file. Files must be in CSV format and up to 5 MB each.
  7. Click Submit. Valid entries are processed immediately. Invalid entries can be corrected and re-uploaded.

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Viewing VBA payments

Use the following steps to view payments received through VBAs:
  1. Log in to the Merchant Dashboard.
  2. Navigate to Payment Gateway > Transactions > Payments.
  3. Click the Search & Filter dropdown.
  4. Under Payment Methods, select VBA Transfer.
The payments list updates to show only transactions processed through VBAs. Payment filter showing VBA Transfer selected under Payment Methods

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Creating a notification group

Notification groups receive WhatsApp and email alerts whenever a payment is made to a VBA. You can add multiple email addresses and mobile numbers to a single group. Use the following steps to create a notification group for VBAs:
  1. Log in to the Merchant Dashboard.
  2. Navigate to Payment Gateway > VBA Configuration > Notification Groups.
  3. Click Create Notification Group. Notif-groups-VBA
  4. In the Create a notification group panel, enter the following details:
    • Name your group: Enter a name to identify this notification group.
    • Add email or mobile numbers: Enter the email addresses or mobile numbers to include in the group.
  5. Click Save group.

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FAQs

The following questions cover common scenarios and limitations for Virtual Bank Accounts.
A Virtual Bank Account (VBA) is a unique bank account number assigned to a customer or transaction. It lets businesses collect payments through NEFT, RTGS, and IMPS and automatically reconcile incoming transfers.
No. NPCI regulations do not permit UPI payments to Virtual Bank Accounts. These transactions are classified as P2P (person-to-person) transfers, which are not supported by VBAs.
Yes. Transaction limits depend on the payment mode: IMPS, NEFT, or RTGS each have their own limits set by the banking network. You can also define a minimum and maximum limit when creating a VBA to control the accepted payment range.