Virtual Account

This section describes how to create and query Virtual Account payments in Colombia.

Colombia Virtual Account payments use Bre-B as the payment method.

For Colombia Virtual Account payments, the Virtual Account is created first. After the payer transfers funds to the assigned account number, the payment result is sent through asynchronous notification.

Create Virtual Account

Use this endpoint to create a Virtual Account for Colombia.

POST https://gateway-test.pagsmile.com/virtual-account/create

Request Body

Parameter	Type	Required	Constraints	Description
app_id	string	Required	Max length: 32	The merchant application ID assigned by Pagsmile.
timestamp	string	Required	Format: yyyy-MM-dd HH:mm:ss; max length: 19	Request timestamp.
notify_url	string	Required	Valid URL	The URL to receive Virtual Account payment notifications.
method	string	Required	Fixed value: Bre-B	Payment method.
region	string	Required	Fixed value: COL	Country or region code.
customer	object	Required	-	Customer information.
customer.buyer_id	string	Required	Max length: 64	Merchant-side user ID.

Request Sample

{
  "app_id": "16***05",
  "timestamp": "2026-07-20 11:11:11",
  "notify_url": "http://demo.gemini-tiger.cn/callback/success",
  "method": "Bre-B",
  "region": "COL",
  "customer": {
    "buyer_id": "123***234"
  }
}

Response Sample

{
  "code": "10000",
  "msg": "Success",
  "account_id": "CD***RH",
  "account_number": "@VA***NRH",
  "buyer_id": "244***33",
  "status": "ACTIVE",
  "notify_url": "http://demo.gemini-tiger.cn/callback/success",
  "method": "Bre-B"
}

After the Virtual Account is created successfully, use the returned account_number to instruct the payer to complete the bank transfer.

Query Virtual Account

Use this endpoint to query the Virtual Account information and status.

POST https://gateway-test.pagsmile.com/virtual-account/query

Request Body

Parameter	Type	Required	Constraints	Description
app_id	string	Required	Max length: 32	The merchant application ID assigned by Pagsmile.
timestamp	string	Required	Format: yyyy-MM-dd HH:mm:ss; max length: 19	Request timestamp.
account_id	string	Required	Max length: 64	The Virtual Account ID returned by the Create Virtual Account API.

Request Sample

{
  "app_id": "165***05",
  "timestamp": "2026-07-20 11:11:11",
  "account_id": "CD***R"
}

Response Sample

{
  "code": "10000",
  "msg": "Success",
  "account_id": "CD***RH",
  "account_number": "@VA***NRH",
  "buyer_id": "244***33",
  "status": "ACTIVE",
  "notify_url": "http://demo.gemini-tiger.cn/callback/success",
  "method": "Bre-B"
}

Use the account_id returned by the Create Virtual Account API to query the Virtual Account information.