> ## Documentation Index
> Fetch the complete documentation index at: https://docs.business.blaaiz.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Virtual account

> Webhook payloads for virtual account events

All virtual account webhooks are sent to your `collection_url`.

## Parameter overview

| Parameter            | Description                                             |
| :------------------- | :------------------------------------------------------ |
| `event`              | Event type identifier (e.g., "virtual\_account.ready")  |
| `virtual_account_id` | Unique ID of the virtual account                        |
| `customer_id`        | Your customer's ID (from customer creation)             |
| `wallet_id`          | The wallet ID this account is linked to                 |
| `currency`           | Currency code (NGN, USD, GBP, EUR)                      |
| `status`             | Current status (PENDING, SUCCESSFUL, REJECTED, FAILED)  |
| `account_number`     | Bank account number (only in ready event)               |
| `account_name`       | Account holder name (only in ready event)               |
| `bank_name`          | Bank institution name (only in ready event)             |
| `bank_code`          | Bank code (NGN only)                                    |
| `routing_number`     | Routing/ABA number (USD only)                           |
| `iban`               | IBAN number (GBP/EUR only)                              |
| `sort_code`          | UK sort code (GBP only)                                 |
| `bank_address`       | Bank address (USD only)                                 |
| `rejection_reason`   | Technical reason for rejection (rejected event only)    |
| `user_reason`        | User-friendly rejection message (rejected event only)   |
| `developer_reason`   | Developer-specific rejection code (rejected event only) |

## Event types

### virtual\_account.created

Account creation initiated but not yet ready.

```json theme={null}
{
  "event": "virtual_account.created",
  "virtual_account_id": "vba_pending123",
  "customer_id": "cust_abc456",
  "wallet_id": "wallet_xyz789",
  "currency": "NGN",
  "status": "PENDING"
}
```

### virtual\_account.ready

Account fully created and ready to receive funds.

<CodeGroup>
  ```json NGN theme={null}
  {
    "event": "virtual_account.ready",
    "virtual_account_id": "vba_ngn_success123",
    "customer_id": "cust_abc456",
    "wallet_id": "wallet_xyz789",
    "currency": "NGN",
    "status": "SUCCESSFUL",
    "account_number": "1234567890",
    "account_name": "Customer Business Name",
    "bank_name": "Wema Bank",
    "bank_code": "035",
    "routing_number": null,
    "iban": null,
    "sort_code": null,
    "bank_address": null
  }
  ```

  ```json USD theme={null}
  {
    "event": "virtual_account.ready",
    "virtual_account_id": "vba_usd_success456",
    "customer_id": "cust_def789",
    "wallet_id": "wallet_usd123",
    "currency": "USD",
    "status": "SUCCESSFUL",
    "account_number": "987654321",
    "account_name": "Customer Business LLC",
    "bank_name": "Evolve Bank & Trust",
    "bank_code": null,
    "routing_number": "084106768",
    "iban": null,
    "sort_code": null,
    "bank_address": "6070 Poplar Ave Suite 200, Memphis, TN 38119"
  }
  ```

  ```json GBP theme={null}
  {
    "event": "virtual_account.ready",
    "virtual_account_id": "vba_gbp_success789",
    "customer_id": "cust_ghi012",
    "wallet_id": "wallet_gbp456",
    "currency": "GBP",
    "status": "SUCCESSFUL",
    "account_number": "12345678",
    "account_name": "Customer Business Ltd",
    "bank_name": "Clear Junction Limited",
    "bank_code": "CLJUGB21XXX",
    "routing_number": null,
    "iban": "GB12CLJU00997312345678",
    "sort_code": "04-03-00",
    "bank_address": null
  }
  ```

  ```json EUR theme={null}
  {
    "event": "virtual_account.ready",
    "virtual_account_id": "vba_eur_success321",
    "customer_id": "cust_jkl345",
    "wallet_id": "wallet_eur789",
    "currency": "EUR",
    "status": "SUCCESSFUL",
    "account_number": "12345678901234",
    "account_name": "Customer Business GmbH",
    "bank_name": "Clear Junction Limited",
    "bank_code": "CLJUGB21XXX",
    "routing_number": null,
    "iban": "GB45CLJU00997312345678",
    "sort_code": null,
    "bank_address": null
  }
  ```
</CodeGroup>

### virtual\_account.rejected

Verification rejected.

```json theme={null}
{
  "event": "virtual_account.rejected",
  "virtual_account_id": "vba_usd_rejected999",
  "customer_id": "cust_rejected123",
  "wallet_id": "wallet_usd999",
  "currency": "USD",
  "status": "REJECTED",
  "rejection_reason": "Customer verification failed: insufficient documentation provided",
  "user_reason": "Your application could not be processed",
  "developer_reason": "CUSTOMER_VERIFICATION_FAILED"
}
```

### virtual\_account.failed

Account creation failed.

```json theme={null}
{
  "event": "virtual_account.failed",
  "virtual_account_id": "vba_usd_failed999",
  "customer_id": "cust_failed123",
  "wallet_id": "wallet_usd999",
  "currency": "USD",
  "status": "FAILED",
  "rejection_reason": "Provider error: unable to create account",
  "user_reason": "Your account could not be created at this time",
  "developer_reason": "PROVIDER_CREATION_FAILED"
}
```