Virtual Account

This endpoint allows you to create a Virtual Account for VA BankTransfer payments in Peru.

After the Virtual Account is created successfully, Pagsmile returns an account_number. The payer can use the assigned account number to complete the bank transfer.

Peru VA BankTransfer supports real-time payment processing.

Peru VA BankTransfer does not support refund.

The supported amount range is 1 to 10000.00 PEN.

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.
region	string	Required	Fixed value: PER	Country or region code.
customer.username	string	Required	Max length: 128	Customer's name.
customer.buyer_id	string	Required	Max length: 64	Merchant-side user ID.
customer.email	string	Required	Valid email address	Customer's email address.
customer.phone	string	Required	Max length: 32	Customer's phone number.
customer.identify	object	Required	-	Customer identification information.
customer.identify.type	string	Required	Example: DNI	Customer identification type.
customer.identify.number	string	Required	-	Customer identification number.
method	string	Required	Fixed value: VABankTransfer	Payment method.

Request Sample

{
  "app_id": "16***08",
  "timestamp": "2025-03-20 11:11:11",
  "notify_url": "https://your-notify-url.com",
  "region": "PER",
  "customer": {
    "username": "Test Test",
    "buyer_id": "123",
    "email": "[e-mail]",
    "phone": "79***09",
    "identify": {
      "type": "DNI",
      "number": "74***86"
    }
  },
  "method": "VABankTransfer"
}

Response Sample

{
  "code": "10000",
  "msg": "Success",
  "account_id": "I1***INU",
  "account_number": "921***041",
  "buyer_id": "123",
  "status": "ACTIVE",
  "notify_url": "https://your-notify-url.com",
  "method": "VABankTransfer"
}

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