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Collection Accounts

Virtual account numbers your customers pay into. Funds are not held in the collection account — they settle directly into your business settlement account. Choose between disposable (single-use) or reserved (persistent) accounts based on your use case.

⚡ Disposable — single-use📌 Reserved — persistent🏦 Settles to your account

Choose Your Account Type

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Disposable Accounts

Single-use · Time-limited

Short-lived virtual account numbers that expire after a duration you control (expireIn, in seconds). Best for one-off payment collection. Account numbers are not unique — always reconcile transactions using the paymentRef, not the account number.

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Reserved Accounts

Persistent · Customer-tied

Permanent virtual account numbers assigned to a specific customer or reference. Remain active for multiple payments until explicitly closed. Always reconcile by reference — account numbers can be reassigned after closure.

Always reconcile by reference — not account number

Collection account numbers can be reassigned after expiry or closure. Track every transaction using the paymentRef (disposable) or reference (reserved) from the webhook payload — never by account number alone.