> ## Documentation Index
> Fetch the complete documentation index at: https://developer.gcashier.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Accept Payments with Virtual Accounts (VA Collection)
> Open virtual accounts, receive cross-border payments, create compliant trade orders, and reconcile funds — all through the Gcashier Pay collection API.
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
Request a virtual account for a specific currency and country.
Gcashier Pay delivers your account number, bank name, and SWIFT code.
Retrieve your active VAs and their current status at any time.
Gcashier Pay notifies you when funds arrive on a VA.
Submit the underlying commercial transaction matching the received funds.
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
```json sp1103 Request theme={null}
{
"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"
}
```
```json sp1103 Response theme={null}
{
"bizFlow": "BF20240601000200",
"status": "ACCEPT"
}
```
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
```json sp3102 Webhook — VA Opened Successfully theme={null}
{
"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"
}
```
```json sp3102 Webhook — VA Opening Failed theme={null}
{
"bizFlow": "BF20240601000200",
"merOrderNo": "VA20240601001",
"code": "S00002",
"message": "VA opening rejected: shop URL is unreachable.",
"status": "FAIL"
}
```
***
## 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`.
```json sp2101 Request theme={null}
{
"bizFlow": "BF20240601000200"
}
```
```json sp2101 Response theme={null}
{
"code": "S00000",
"message": "success",
"data": [
{
"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"
}
]
}
```
| 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
```json sp3103 Webhook — Funds Received theme={null}
{
"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
```json sp1104 Request theme={null}
{
"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"
}
```
```json sp1104 Response theme={null}
{
"contractNo": "CTR20240601000301",
"code": "S00001",
"message": "Trade order submitted successfully."
}
```
| `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
```json sp3104 Webhook theme={null}
{
"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.
```json sp1105 Request theme={null}
{
"contactNo": "CTR20240601000301",
"flowNo": "FL20240601999001",
"callbackUrl": "https://api.acme-trade.com/webhooks/gcashier/association"
}
```
```json sp1105 Response theme={null}
{
"bizFlow": "BF20240601000400",
"code": "S00001",
"message": "Association request submitted."
}
```
### sp3105 Webhook — Association Result
```json sp3105 Webhook — Passed theme={null}
{
"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**.
```json sp1106 Request theme={null}
{
"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"
}
]
}
```
```json sp1106 Response theme={null}
{
"code": "success",
"message": "E-commerce orders uploaded successfully."
}
```
| `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.