Accept Payments with Virtual Accounts (VA Collection)

Gcashier Pay’s collection system is built around Virtual Accounts (VAs). Each VA is a dedicated bank account number issued in your merchant name that overseas buyers can transfer funds into directly. Once a payment arrives, Gcashier Pay fires a trade receipt webhook so you can reconcile the incoming flow against your trade orders. This guide walks you through every stage: opening a VA, receiving payment notifications, creating trade orders, and associating collection flows with those orders.

Overview

Open a VA account (sp1103)

Request a virtual account for a specific currency and country.

Receive VA opening notification (sp3102 webhook)

Gcashier Pay delivers your account number, bank name, and SWIFT code.

Query VA details (sp2101)

Retrieve your active VAs and their current status at any time.

Receive trade receipt notification (sp3103 webhook)

Gcashier Pay notifies you when funds arrive on a VA.

Create a trade order (sp1104)

Submit the underlying commercial transaction matching the received funds.

Associate the collection flow with the trade order (sp1105)

Link the incoming payment flow to your trade order for compliance clearance.

Step 1 — Open a VA Account

Call POST /api/sp1103 to request a new virtual account. Each VA is tied to a specific currency, country, and business type (identified by parentCode).

parentCode Values

Code	Business Type
`S`	Platform e-commerce (marketplace sellers)
`D`	Independent online store
`T`	Offline / physical goods trade
`F`	Service trade

Choose the parentCode that best matches your primary business model. This affects the compliance documents and trade order types required for each collection flow.

Request Example

{
  "merOrderNo": "VA20240601001",
  "parentCode": "D",
  "applyCode": "APL0000123",
  "area": "SG",
  "currency": "USD",
  "acctSimpleName": "AcmeSGUSD",
  "shopName": "Acme Trade Store",
  "shopUrl": "https://shop.acme-trade.com",
  "isSameName": "Y",
  "callbackUrl": "https://api.acme-trade.com/webhooks/gcashier/va-opening",
  "storeHoldCertify": "https://docs.acme-trade.com/certify/store_cert.pdf",
  "busDesDocument": "https://docs.acme-trade.com/certify/business_desc.pdf"
}

A status of ACCEPT means the VA application has been received. The actual account details are delivered asynchronously via the sp3102 webhook.

Step 2 — Receive the VA Opening Notification

Gcashier Pay posts the VA details to your callbackUrl once the account is ready. Save accountNo and swiftCode — these are what your buyers will use to send funds.

sp3102 Webhook Payload

{
  "bizFlow": "BF20240601000200",
  "merOrderNo": "VA20240601001",
  "code": "S00000",
  "message": "Virtual account opened successfully.",
  "accountName": "Acme Trade Pte Ltd",
  "accountNo": "SG12345678901234",
  "swiftCode": "GCSGSGSX",
  "bankName": "Gcashier Pay Partner Bank",
  "bankAddress": "1 Raffles Quay, Singapore 048583",
  "area": "SG",
  "currency": "USD",
  "status": "ON"
}

Step 3 — Query VA Details

Use POST /api/sp2101 to retrieve all VAs associated with your merchant account, or look up a specific VA by bizFlow or merOrderNo.

{
  "bizFlow": "BF20240601000200"
}

VA Status	Meaning
`ON`	Active and accepting inbound payments
`OFF`	Suspended — contact support to re-activate
`OPENING`	Application still under review

Step 4 — Receive Trade Receipt Notifications

When a buyer transfers funds to your VA, Gcashier Pay fires the sp3103 webhook to your callback URL. This delivers the inbound flowNo that you’ll use when associating the payment with a trade order.

sp3103 Webhook Payload

{
  "flowNo": "FL20240601999001",
  "receiveAmount": "5000.00",
  "receiveCurrency": "USD",
  "vaAccount": "SG12345678901234",
  "senderName": "Shanghai Buyer Co Ltd",
  "actualReceiveAmount": "4997.50",
  "availableFlag": "Y"
}

Field	Description
`flowNo`	Unique identifier for this inbound payment — save this for sp1105
`receiveAmount`	Gross amount received before fees
`actualReceiveAmount`	Net amount credited to your balance after bank fees
`availableFlag`	`Y` = funds are available for use; `N` = funds are on hold pending review

Only process the flowNo once availableFlag is Y. Funds that are still on hold (N) cannot be exchanged or withdrawn until they clear compliance review.

Step 5 — Create a Trade Order

Before you can withdraw or exchange the received funds, you must submit a trade order that documents the underlying commercial transaction. Call POST /api/sp1104 with the goods or services details matching the payment.

Request Example

{
  "callbackUrl": "https://api.acme-trade.com/webhooks/gcashier/trade-order",
  "merOrderNo": "ORD20240601001",
  "currency": "USD",
  "amount": "5000.00",
  "tradeType": "00",
  "buyerName": "Shanghai Buyer Co Ltd",
  "buyerArea": "CN",
  "transcationDate": "2024-06-01",
  "transcationCert": "https://docs.acme-trade.com/trade/invoice_ORD001.pdf",
  "goodsList": [
    {
      "goodsName": "Wireless Headphones Model X",
      "goodsNo": "SKU-WH-001",
      "goodsQuantity": "100",
      "goodsPrice": "30.00",
      "goodsAmount": "3000.00",
      "goodsCurrency": "USD"
    },
    {
      "goodsName": "Portable Speaker Model Y",
      "goodsNo": "SKU-PS-002",
      "goodsQuantity": "50",
      "goodsPrice": "40.00",
      "goodsAmount": "2000.00",
      "goodsCurrency": "USD"
    }
  ],
  "logStatus": "1",
  "logNo": "SF1234567890",
  "logCompany": "SF Express",
  "logisticsType": "AIR",
  "logisticsArea": "CN"
}

`tradeType`	Meaning
`00`	Physical goods trade
`01`	Services trade

Save the contractNo — you’ll reference it when associating the collection flow in the next step.

sp3104 Webhook — Trade Order Result

{
  "contractNo": "CTR20240601000301",
  "merOrderNo": "ORD20240601001",
  "status": "SUCC",
  "code": "S00000",
  "message": "Trade order approved."
}

Status	Meaning
`ACCEPT`	Order received and under review
`SUCC`	Trade order approved
`FAIL`	Trade order rejected — review `message` for details

Step 6 — Associate the Collection Flow with a Trade Order

Link the inbound payment (flowNo from sp3103) to your approved trade order (contractNo from sp1104) by calling POST /api/sp1105. This step is required before the collected funds can be released for exchange or withdrawal.

{
  "contactNo": "CTR20240601000301",
  "flowNo": "FL20240601999001",
  "callbackUrl": "https://api.acme-trade.com/webhooks/gcashier/association"
}

sp3105 Webhook — Association Result

{
  "bizFlow": "BF20240601000400",
  "flowNo": "FL20240601999001",
  "contactNo": "CTR20240601000301",
  "status": "02",
  "code": "S00000",
  "message": "Association approved. Funds released."
}

Status	Meaning
`02`	Association passed — funds are released
`03`	Association rejected — mismatch between payment and order details

You can also query association status at any time via POST /api/sp2104 using bizFlow.

E-commerce Order Collection (sp1106)

If you operate a platform or independent e-commerce store, you can upload batch order data to Gcashier Pay for reconciliation and compliance purposes using POST /api/sp1106.

{
  "transType": "D",
  "orderList": [
    {
      "orderNo": "ECOM20240601001",
      "amount": "299.99",
      "currency": "USD",
      "dateTime": "2024-06-01 10:30:00",
      "commodity": "Wireless Headphones Model X",
      "quantity": "1",
      "logisticsName": "DHL",
      "logisticsNo": "DHL9876543210",
      "platform": "acme-trade.com",
      "shopUrl": "https://shop.acme-trade.com/products/wh-model-x",
      "buyerName": "Li Wei",
      "buyerArea": "CN"
    },
    {
      "orderNo": "ECOM20240601002",
      "amount": "159.99",
      "currency": "USD",
      "dateTime": "2024-06-01 11:15:00",
      "commodity": "Portable Speaker Model Y",
      "quantity": "2",
      "logisticsName": "FedEx",
      "logisticsNo": "FX1122334455",
      "platform": "acme-trade.com",
      "shopUrl": "https://shop.acme-trade.com/products/ps-model-y",
      "buyerName": "Wang Fang",
      "buyerArea": "CN"
    }
  ]
}

`transType`	Meaning
`S`	Platform e-commerce (e.g., Shopee, Lazada)
`D`	Independent station (your own storefront)

Upload e-commerce orders as soon as they ship. Gcashier Pay uses this data during association reviews — having order records already in the system speeds up flow approval significantly.

​Overview

​Step 1 — Open a VA Account

​parentCode Values

​Request Example

​Step 2 — Receive the VA Opening Notification

​sp3102 Webhook Payload

​Step 3 — Query VA Details

​Step 4 — Receive Trade Receipt Notifications

​sp3103 Webhook Payload

​Step 5 — Create a Trade Order

​Request Example

​sp3104 Webhook — Trade Order Result

​Step 6 — Associate the Collection Flow with a Trade Order

​sp3105 Webhook — Association Result

​E-commerce Order Collection (sp1106)

Overview

Step 1 — Open a VA Account

parentCode Values

Request Example

Step 2 — Receive the VA Opening Notification

sp3102 Webhook Payload

Step 3 — Query VA Details

Step 4 — Receive Trade Receipt Notifications

sp3103 Webhook Payload

Step 5 — Create a Trade Order

Request Example

sp3104 Webhook — Trade Order Result

Step 6 — Associate the Collection Flow with a Trade Order

sp3105 Webhook — Association Result

E-commerce Order Collection (sp1106)