> ## Documentation Index > Fetch the complete documentation index at: https://docs.hitpayapp.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a virtual account > Create a virtual account for the business in a bank country. `bank_country` is required. A business can hold one virtual account per location. ## OpenAPI ````yaml post /v1/virtual-accounts openapi: 3.1.1 info: title: HitPay API description: >- Accept PayNow, FPX, QRIS, GrabPay, cards, and 40+ payment methods with a single API. Production base URL: https://api.hit-pay.com, Sandbox: https://api.sandbox.hit-pay.com version: '1.0' servers: - url: https://api.hit-pay.com description: Production - url: https://api.sandbox.hit-pay.com description: Sandbox security: [] paths: /v1/virtual-accounts: post: tags: - Virtual Accounts summary: Create a virtual account description: > Create a virtual account for the business in the bank country given by `bank_country`. HitPay picks the bank that serves that location. The locations a business can request depend on the business's own country: | Business country | `bank_country` | Currencies received | |---|---|---| | `sg` | `sg` | SGD, USD, EUR, GBP, CAD, CHF, CNH, CNY, HKD, NOK, NZD, SEK | | `sg` | `ph` | PHP | | `sg` | `gb` | GBP, EUR | | `sg` | `dk` | EUR | | `sg` | `lu` | EUR | | `ph` | `ph` | PHP | | `au` | `au` | AUD | The payment provider serving the location must have completed onboarding for the business, or the request returns 400. For `sg` and `ph` the business enables it under Settings > Payment Methods. HitPay sets up the provider for `gb`, `dk`, `lu` and `au`. A business can hold one virtual account per location. If one already exists, the request returns 409 Conflict. The business must have payments enabled. **Migration note:** `bank_country` is required. A request without it used to create the default virtual account for the business's country. It now returns 422. To keep the old behaviour, send the business's own country, for example `{"bank_country": "sg"}` for a Singapore business. parameters: - name: X-BUSINESS-API-KEY in: header required: true style: simple explode: false schema: type: string example: b286daabf9921b5a01a4621f026c111e046f8911feba212996c92159b98427d requestBody: required: true content: application/json: schema: type: object required: - bank_country properties: bank_country: type: string description: >- Two-letter lowercase ISO 3166-1 code of the country the account is held in. See the table above. example: sg payment_provider_method: type: string description: >- Optional. Pins the location to one payment method, e.g. `dbs_va`. Rejected with 400 if that method does not serve `bank_country`. example: dbs_va currency: type: string description: >- Optional. The currency to receive, e.g. `sgd`. Only needed when more than one provider serves `bank_country` for the business. example: sgd responses: '201': description: Virtual account created successfully content: application/json: schema: type: object properties: id: type: string format: uuid description: Virtual account ID example: 9b3f1a2c-1d4e-4f6a-8b2c-7e9d0a1b2c3d name: type: string description: Display name of the virtual account example: Acme Pte Ltd reference: type: string description: >- Virtual account reference issued by the bank. For DBS Singapore this is the 7-digit VA number that forms the tail of `account_number`. example: '1234567' status: type: - string - 'null' description: >- Provisioning status of the virtual account: `pending`, `success`, or `rejected`. `pending` means the bank has acknowledged the request but has not activated the account yet. example: success country: type: string description: >- Two-letter lowercase ISO 3166-1 country code of the business the virtual account belongs to example: sg supported_currencies: type: - array - 'null' items: type: string description: >- Uppercase currency codes that can be received into this virtual account example: - SGD - USD holder_name: type: string description: >- Account holder name, i.e. the registered name of the business example: Acme Pte Ltd account_number: type: string description: >- Full account number to transfer funds to. For DBS Singapore this is the VA prefix and corporate code prepended to `reference`. example: '8854911234567' bank_name: type: - string - 'null' description: Name of the bank holding the virtual account example: DBS Bank bank_swift_code: type: - string - 'null' description: >- SWIFT/BIC code of the bank. `null` for providers that settle without one, such as Philippine accounts on InstaPay and PESONet. example: DBSSSGSG bank_country: type: string description: >- Two-letter lowercase ISO 3166-1 country code of the country the bank account is held in. Can differ from `country`, e.g. a Singapore business can hold an account in `gb`. example: sg bank_attributes: type: - object - 'null' description: >- Bank details for paying into the account. `type` names the account identifier that applies (`local`, `iban`, `sort_code` or `bsb`) and the other keys depend on it. `null` while the bank is still issuing the account. properties: type: type: string example: local account_number: type: string example: '8854911234567' bank_name: type: string example: DBS Bank bank_address: type: string swift_code: type: string example: DBSSSGSG iban: type: string sort_code: type: string bsb: type: string bic: type: string transfer_types: type: array items: type: string example: - FAST - SWIFT additionalProperties: true transfer_types: type: array items: type: string description: Transfer rails the virtual account can receive funds over example: - FAST - SWIFT created_at: type: string format: date-time description: ISO 8601 timestamp of when the virtual account was created example: '2026-06-08T15:30:10+08:00' updated_at: type: string format: date-time description: >- ISO 8601 timestamp of when the virtual account was last updated example: '2026-06-08T15:30:10+08:00' '400': description: >- Bad Request — the business cannot hold a virtual account in that location, the location is ambiguous without `currency`, or its payment provider has not completed onboarding content: application/json: schema: type: object properties: message: type: string description: Error message errors: type: array '401': description: Unauthorized content: application/json: schema: type: object properties: message: type: string description: Error message errors: type: array '403': description: Forbidden — business does not have payments enabled content: application/json: schema: type: object properties: message: type: string description: Error message errors: type: array '409': description: >- Conflict — the business already holds a virtual account in this location content: application/json: schema: type: object properties: message: type: string description: Error message errors: type: array '422': description: >- Unprocessable Entity — `bank_country` is missing or not a country code content: application/json: schema: type: object properties: message: type: string example: The bank country field is required. errors: type: object additionalProperties: type: array items: type: string example: bank_country: - The bank country field is required. ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.