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Virtual accounts are bank accounts that Pooler creates on-demand for your business. They allow you to collect payments from customers without the complexity of traditional banking integrations. Each virtual account has a unique account number that customers can send payments to.
Only Nigeria 🇳🇬 virtual accounts are supported for now
Virtual Account Architecture Diagram

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Account Security

  • Unique Account Numbers - Each account has a unique, non-guessable account number
  • Account Verification - Accounts are verified before activation
  • Transaction Monitoring - All transactions are monitored for suspicious activity

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Compliance

  • KYC Requirements - Account creation may require customer verification
  • Regulatory Compliance - All accounts comply with local banking regulations
  • Transaction Reporting - Transaction data available for compliance reporting

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Payouts

Pooler offers you a way to simply payout all the collected payments in a single request. Payout Overview Diagram

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Best Practices

Use Unique Accounts:
  • Create a unique virtual account for each customer or transaction for easy tracking.
  • Save virtual account details (account number, ID) in your database for reference.
  • Set up webhook handlers to receive real-time payment notifications.
  • Regularly reconcile virtual account payments with your records.