> For the complete documentation index, see [llms.txt](https://docs.pagsmile.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.pagsmile.com/reference/remittance-api/business/collection/apply-collection-account.md).

# Apply Collection Account

Applies for one or more collection accounts for a merchant and specified business scenario.

**Endpoint**

`POST /remittance/collection/apply-va`

**Sandbox base URL:** `https://rem-api-sandbox.pagsmile.com`\
**Content-Type:** `application/json; charset=UTF-8`

The request uses the standard [Remittance API request envelope](https://docs.pagsmile.com/remittance-api/common). The fields below describe the decrypted `biz_data` object.

{% hint style="info" %}
**Requirement:** `M` = Mandatory, `O` = Optional, and `C` = Conditional. A conditional field is mandatory only when the condition stated in its description applies.
{% endhint %}

{% hint style="warning" %}
Encrypt `biz_data`, encrypt the AES key into `random_key`, and sign the request according to the Common request specification.
{% endhint %}

**Request body**

**Decrypted `biz_data` fields**

| Field           | Type       | Requirement | Description                                                                                                                                                                                                                                               |
| --------------- | ---------- | ----------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `merchant_id`   | long       | M           | Pagsmile-assigned unique identifier of the merchant.                                                                                                                                                                                                      |
| `apply_no`      | string(32) | M           | Merchant-defined application number used to identify and reconcile the collection account application.                                                                                                                                                    |
| `business_type` | Integer    | M           | <p>Business category that determines the applicable compliance and processing rules.<br>Supported values:<br><code>10</code> — Goods trade<br><code>11</code> — Service trade<br><code>20</code> — Platform<br><code>21</code> — Independent platform</p> |
| `payment_type`  | Integer    | M           | <p>Payment route used to deliver funds to the recipient.<br>See <a href="https://docs.pagsmile.com/reference/remittance-api/data/dictionary-item/payment-type">Payment Type</a> for supported values.</p>                                                 |
| `currency`      | string     | M           | Three-letter ISO 4217 code of the currency in which the collection account values are denominated.                                                                                                                                                        |
| `bank_id`       | long       | M           | <p>Pagsmile-assigned unique identifier of the bank.<br>See <a href="https://docs.pagsmile.com/reference/remittance-api/business/reference/query-bank-list">Query Bank List</a> to obtain bank identifiers.</p>                                            |
| `store_id`      | long       | O           | Pagsmile-assigned unique identifier of the store associated with the merchant.                                                                                                                                                                            |
| `account_label` | string     | O           | Partner-defined label used to identify the collection account.                                                                                                                                                                                            |

**Plaintext `biz_data` example**

{% hint style="info" %}
This example includes mandatory fields and representative optional or conditional fields. Submit fields marked `C` only when the condition in the field description applies.
{% endhint %}

```json
{
  "merchant_id": 100398,
  "apply_no": "APPLICATION_202607200001",
  "business_type": 10,
  "payment_type": 1,
  "currency": "USD",
  "bank_id": 100001,
  "store_id": 100001,
  "account_label": "Primary settlement account"
}
```

**Request example**

```bash
curl --request POST \
  --url https://rem-api-sandbox.pagsmile.com/remittance/collection/apply-va \
  --header 'Content-Type: application/json; charset=UTF-8' \
  --data '{
    "partner_id": "<your_partner_id>",
    "app_id": "<your_app_id>",
    "timestamp": "2026-07-20 10:30:00",
    "version": "2.0",
    "language": "en",
    "random_key": "<RSA-encrypted AES key>",
    "request_id": "<globally_unique_request_id>",
    "sign_type": "RSA",
    "biz_data": "<AES-encrypted biz_data>"
  }'
```

{% hint style="info" %}
Use the `partner_id` and `app_id` assigned to your integration. The values above are placeholders.
{% endhint %}

**Response**

{% tabs %}
{% tab title="Success" %}
The `data` field in the response envelope is AES-encrypted. Decrypt `random_key` with your RSA private key, then use the resulting AES key to decrypt `data`. See [Security](https://docs.pagsmile.com/remittance-api/security) for implementation details.

**Encrypted response example**

```json
{
  "code": "10000",
  "msg": "Success",
  "data": "<AES-encrypted response data>",
  "random_key": "<RSA-encrypted AES key>",
  "sign_type": "RSA",
  "app_id": "2017051914172236111"
}
```

**Decrypted `data` example**

```json
{
  "merchant_id": 100398,
  "apply_no": "APPLICATION_202607200001",
  "collection_account_ids": [
    100001
  ],
  "status": 13,
  "created_at": "2026-07-20 10:30:00"
}
```

{% endtab %}

{% tab title="Invalid signature" %}

```json
{
  "code": "40002",
  "msg": "Business Failed",
  "sub_code": "invalid-signature",
  "sub_msg": "invalid signature"
}
```

{% endtab %}
{% endtabs %}

**Response data fields**

| Field                    | Type    | Requirement | Description                                                                                                                                                                                                                 |
| ------------------------ | ------- | ----------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `merchant_id`            | long    | M           | Pagsmile-assigned unique identifier of the merchant associated with the returned record.                                                                                                                                    |
| `apply_no`               | string  | M           | Merchant-defined application number used to identify and reconcile the collection account application.                                                                                                                      |
| `collection_account_ids` | list\\  | O           | List of Pagsmile-assigned unique identifiers of collection accounts created for the application.                                                                                                                            |
| `status`                 | integer | O           | <p>Current review status of the collection account application.<br>Supported values:<br><code>11</code> — VA Reviewing<br><code>12</code> — VA Rejected<br><code>13</code> — VA Success<br><code>14</code> — VA Blocked</p> |
| `created_at`             | string  | O           | <p>Date and time when the collection account was created.<br>Format: <code>yyyy-MM-dd HH:</code>​<code>mm:ss</code>.</p>                                                                                                    |

**Related APIs**

* [Apply Collection Account Result Notification](https://docs.pagsmile.com/remittance-api/business/collection/apply-collection-account-result-notification)
* [Collection Notification](https://docs.pagsmile.com/remittance-api/business/collection/collection-notification)
* [Query Apply Collection Account Result](https://docs.pagsmile.com/remittance-api/business/collection/query-apply-collection-account-result)
* [Query Collection Account Detail](https://docs.pagsmile.com/remittance-api/business/collection/query-collection-account-detail)
* [Query Collection Accounts](https://docs.pagsmile.com/remittance-api/business/collection/query-collection-accounts)
* [Query Collections](https://docs.pagsmile.com/remittance-api/business/collection/query-collections)