Virtual Account

Testing Env

https://testpay.onlinepay.ai

POST

/v2/account/createAccount

Create a virtual account. On success, the API returns bank account details and a reference. The merchant can display the returned bank details to the user for bank transfer.

Request

Header Params

Body Params application/jsonRequired

Example

{
    "merNo": "497903662",
    "merApplyNo": "APPLY1760000000000",
    "notifyUrl": "https://testpay.onlinepay.ai/refund/test",
    "userId": "user1760000000000",
    "name": "Peter Master",
    "address1": "Long Beach Street 1",
    "address2": "Apt 101",
    "city": "Long Beach",
    "country": "US",
    "dateOfBirth": "2000-12-31",
    "sign": "RSA256_SIGNATURE_STRING",
    "iban": "DK1189000026135042",
    "bicSwift": "SXPYDKKKXXX",
    "idFiles": [
        "file_id_identity_front",
        "file_id_identity_back"
    ],
    "bankStatementFiles": [
        "file_id_bank_statement"
    ],
    "kycReportFiles": [
        "file_id_kyc_liveness_selfie_report"
    ]
}

Request Code Samples

Shell

JavaScript

Java

Swift

PHP

Python

HTTP

Objective-C

Ruby

OCaml

Dart

curl --location 'https://testpay.onlinepay.ai/v2/account/createAccount' \
--header 'referer;' \
--header 'Content-Type: application/json' \
--data '{
    "merNo": "497903662",
    "merApplyNo": "APPLY1760000000000",
    "notifyUrl": "https://testpay.onlinepay.ai/refund/test",
    "userId": "user1760000000000",
    "name": "Peter Master",
    "address1": "Long Beach Street 1",
    "address2": "Apt 101",
    "city": "Long Beach",
    "country": "US",
    "dateOfBirth": "2000-12-31",
    "sign": "RSA256_SIGNATURE_STRING",
    "iban": "DK1189000026135042",
    "bicSwift": "SXPYDKKKXXX",
    "idFiles": [
        "file_id_identity_front",
        "file_id_identity_back"
    ],
    "bankStatementFiles": [
        "file_id_bank_statement"
    ],
    "kycReportFiles": [
        "file_id_kyc_liveness_selfie_report"
    ]
}'

Responses

🟢200

application/json

Both successful and failed business responses are returned with HTTP 200. Check the code field for the business result.

Bodyapplication/json

Examples

Successful responseMissing required parameter

{
    "code": "0000",
    "message": "success",
    "data": {
        "payCode": 2,
        "beneficialName": "Peter Master",
        "IBAN": "DK4689000029415728",
        "bankAddress": "DK",
        "merApplyNo": "APPLY1760000000000",
        "reference": "REF1760000000000",
        "BIC": "SXPYDKKKXXX",
        "bankName": "Banking Circle"
    }
}

Modified at 2026-06-15 08:45:48

Account

Refund API