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Virtual account

require "razorpay"

Razorpay.setup('key_id', 'key_secret')

Create a virtual account

para_attr = {
  "receivers": {
    "types": [
      "bank_account"
    ]
  },
  "description": "Virtual Account created for Raftar Soft",
  "customer_id": "cust_CaVDm8eDRSXYME",
  "close_by": 1681615838,
  "notes": {
    "project_name": "Banking Software"
  }
}

Razorpay::VirtualAccount.create(para_attr)

Parameters:

Name Type Description
receivers* object Array that defines what receivers are available for this Virtual Account
description string A brief description of the virtual account.
customer_id string Unique identifier of the customer to whom the virtual account must be tagged.
close_by integer UNIX timestamp at which the virtual account is scheduled to be automatically closed.
notes integer Any custom notes you might want to add to the virtual account can be entered here.

Response:

{
  "id":"va_DlGmm7jInLudH9",
  "name":"Acme Corp",
  "entity":"virtual_account",
  "status":"active",
  "description":"Virtual Account created for Raftar Soft",
  "amount_expected":null,
  "notes":{
    "project_name":"Banking Software"
  },
  "amount_paid":0,
  "customer_id":"cust_CaVDm8eDRSXYME",
  "receivers":[
    {
      "id":"ba_DlGmm9mSj8fjRM",
      "entity":"bank_account",
      "ifsc":"RATN0VAAPIS",
      "bank_name": "RBL Bank",
      "name":"Acme Corp",
      "notes":[],
      "account_number":"2223330099089860"
    }
  ],
  "close_by":1681615838,
  "closed_at":null,
  "created_at":1574837626
}

Create a virtual account with TPV

Razorpay::VirtualAccount.create({
  "receivers": {
    "types": [
      "bank_account"
    ]
  },
  "allowed_payers": [
    {
      "type": "bank_account",
      "bank_account": {
        "ifsc": "RATN0VAAPIS",
        "account_number": 2223330027558515
      }
    }
  ],
  "description": "Virtual Account created for Raftar Soft",
  "customer_id": "cust_HssUOFiOd2b1TJ",
  "notes": {
    "project_name": "Banking Software"
  }
})

Parameters:

Name Type Description
receivers* object Array that defines what receivers are available for this Virtual Account
allowed_payers* object All parameters listed here are supported
description string A brief description of the virtual account.
customer_id string Unique identifier of the customer to whom the virtual account must be tagged.
notes integer Any custom notes you might want to add to the virtual account can be entered here.

Response:

{
  "id":"va_DlGmm7jInLudH9",
  "name":"Acme Corp",
  "entity":"virtual_account",
  "status":"active",
  "description":"Virtual Account created for Raftar Soft",
  "amount_expected":null,
  "notes":{
    "project_name":"Banking Software"
  },
  "amount_paid":0,
  "customer_id":"cust_CaVDm8eDRSXYME",
  "receivers":[
    {
      "id":"ba_DlGmm9mSj8fjRM",
      "entity":"bank_account",
      "ifsc":"RATN0VAAPIS",
      "bank_name": "RBL Bank",
      "name":"Acme Corp",
      "notes":[],
      "account_number":"2223330099089860"
    }
  ],
  "allowed_payers": [
    {
      "type": "bank_account",
      "id":"ba_DlGmm9mSj8fjRM",
      "bank_account": {
        "ifsc": "UTIB0000013",
        "account_number": "914010012345679"
      }
    },
    {
      "type": "bank_account",
      "id":"ba_Cmtnm5tSj6agUW",
      "bank_account": {
        "ifsc": "UTIB0000014",
        "account_number": "914010012345680"
      }
    }
  ],
  "close_by":1681615838,
  "closed_at":null,
  "created_at":1574837626
}

Create static/dynamic qr

Razorpay::VirtualAccount.create({
  "receivers": {
    "types": [
      "qr_code"
    ]
  },
  "description": "First QR code",
  "amount_expected": 100,
  "notes": {
    "receiver_key": "receiver_value"
  }
})

Parameters:

Name Type Description
receivers* array Array that defines what receivers are available for this Virtual Account
description string A brief description of the payment.
amount_expected integer The maximum amount you expect to receive in this virtual account. Pass 69999 for ₹699.99.
notes object All keys listed here are supported

Response:

{
  "id": "va_4xbQrmEoA5WJ0G",
  "name": "Acme Corp",
  "entity": "virtual_account",
  "status": "active",
  "description": "First Payment by BharatQR",
  "amount_expected": null,
  "notes": {
    "reference_key": "reference_value"
  },
  "amount_paid": 0,
  "customer_id": "cust_805c8oBQdBGPwS",
  "receivers": [
    {
      "id": "qr_4lsdkfldlteskf",
      "entity": "qr_code",
      "reference": "AgdeP8aBgZGckl",
      "short_url": "https://rzp.io/i/PLs03pOc"
    }
  ],
  "close_by": null,
  "closed_at": null,
  "created_at": 1607938184
}

Fetch virtual account by id

virtualId = "va_IDDYE8gYTLJCEH"

Razorpay::VirtualAccount.fetch(virtualId)

Parameters:

Name Type Description
virtualId* string The id of the virtual to be updated

Response: For fetch virtual account by id response please click here

Fetch all virtual account

options = {"count":1}

Razorpay::VirtualAccount.all(options)

Parameters:

Name Type Description
from timestamp timestamp after which the payments were created
to timestamp timestamp before which the payments were created
count integer number of payments to fetch (default: 10)
skip integer number of payments to be skipped (default: 0)

Response:

{
  "entity": "collection",
  "count": 1,
  "items": [
    {
      "id": "va_Di5gbNptcWV8fQ",
      "name": "Acme Corp",
      "entity": "virtual_account",
      "status": "closed",
      "description": "Virtual Account created for M/S ABC Exports",
      "amount_expected": 2300,
      "notes": {
        "material": "teakwood"
      },
      "amount_paid": 239000,
      "customer_id": "cust_DOMUFFiGdCaCUJ",
      "receivers": [
        {
          "id": "ba_Di5gbQsGn0QSz3",
          "entity": "bank_account",
          "ifsc": "RATN0VAAPIS",
          "bank_name": "RBL Bank",
          "name": "Acme Corp",
          "notes": [],
          "account_number": "1112220061746877"
        }
      ],
      "close_by": 1574427237,
      "closed_at": 1574164078,
      "created_at": 1574143517
    }
  ]
}

Fetch payments for a virtual account

virtualId = "va_IDDYE8gYTLJCEH"

options = {"count":1}

Razorpay::VirtualAccount.fetch(virtualId).payments(options)

Parameters:

Name Type Description
virtualId* string The id of the virtual to be updated
from timestamp timestamp after which the payments were created
to timestamp timestamp before which the payments were created
count integer number of payments to fetch (default: 10)
skip integer number of payments to be skipped (default: 0)

Response:

{
  "entity": "collection",
  "count": 1,
  "items": [
    {
      "id": "pay_Di5iqCqA1WEHq6",
      "entity": "payment",
      "amount": 239000,
      "currency": "INR",
      "status": "captured",
      "order_id": null,
      "invoice_id": null,
      "international": false,
      "method": "bank_transfer",
      "amount_refunded": 0,
      "refund_status": null,
      "captured": true,
      "description": "",
      "card_id": null,
      "bank": null,
      "wallet": null,
      "vpa": null,
      "email": "[email protected]",
      "contact": "+919972139994",
      "customer_id": "cust_DOMUFFiGdCaCUJ",
      "notes": [],
      "fee": 2820,
      "tax": 430,
      "error_code": null,
      "error_description": null,
      "created_at": 1574143644
    }
  ]
}

Fetch payment details using id and transfer method

paymend_id = "pay_Di5iqCqA1WEHq6"

Razorpay::Payment.fetch(paymend_id).bank_transfer

Parameters:

Name Type Description
paymentId* string The id of the paymentId to be updated

Response:

{
  "id": "bt_Di5iqCElVyRlCb",
  "entity": "bank_transfer",
  "payment_id": "pay_Di5iqCqA1WEHq6",
  "mode": "NEFT",
  "bank_reference": "157414364471",
  "amount": 239000,
  "payer_bank_account": {
    "id": "ba_Di5iqSxtYrTzPU",
    "entity": "bank_account",
    "ifsc": "UTIB0003198",
    "bank_name": "Axis Bank",
    "name": "Acme Corp",
    "notes": [],
    "account_number": "765432123456789"
  },
  "virtual_account_id": "va_Di5gbNptcWV8fQ",
  "virtual_account": {
    "id": "va_Di5gbNptcWV8fQ",
    "name": "Acme Corp",
    "entity": "virtual_account",
    "status": "closed",
    "description": "Virtual Account created for M/S ABC Exports",
    "amount_expected": 2300,
    "notes": {
      "material": "teakwood"
    },
    "amount_paid": 239000,
    "customer_id": "cust_DOMUFFiGdCaCUJ",
    "receivers": [
      {
        "id": "ba_Di5gbQsGn0QSz3",
        "entity": "bank_account",
        "ifsc": "RATN0VAAPIS",
        "bank_name": "RBL Bank",
        "name": "Acme Corp",
        "notes": [],
        "account_number": "1112220061746877"
      }
    ],
    "close_by": 1574427237,
    "closed_at": 1574164078,
    "created_at": 1574143517
  }
}

Refund payments made to a virtual account

paymend_id = "pay_Di5iqCqA1WEHq6"

options = {
  "amount": "100",
  "speed": "normal",
  "notes": {
    "notes_key_1": "Beam me up Scotty.",
    "notes_key_2": "Engage"
  },
  "receipt": "Receipt No. 31"
}

Razorpay::Payment.fetch(payment_id).refund(options)

Parameters:

Name Type Description
paymentId* string The id of the payment to be updated
amount integer The amount to be captured (should be equal to the authorized amount, in paise)
speed string Here, it must be normal
notes array A key-value pair
receipt string A unique identifier provided by you for your internal reference.

Response:

{
  "id": "rfnd_FP8QHiV938haTz",
  "entity": "refund",
  "amount": 500100,
  "receipt": "Receipt No. 31",
  "currency": "INR",
  "payment_id": "pay_FCXKPFtYfPXJPy",
  "notes": [],
  "receipt": null,
  "acquirer_data": {
    "arn": null
  },
  "created_at": 1597078866,
  "batch_id": null,
  "status": "processed",
  "speed_processed": "normal",
  "speed_requested": "normal"
}

Add receiver to an existing virtual account

virtualId = "va_Di5gbNptcWV8fQ"

para_attr = {
  "types": [
    "vpa"
  ],
  "vpa": {
    "descriptor": "gauravkumar"
  }
}

Razorpay::VirtualAccount.add_receiver(virtualId, para_attr)

Parameters:

Name Type Description
virtualId* string The id of the virtual to be updated
types* object The receiver type to be added to the virtual account. Possible values are vpa or bank_account
vpa.descriptor string Descriptor should be 10 characters only.

Response: For add receiver to an existing virtual account response please click here

Add an Allowed Payer Account

virtualId = "va_Di5gbNptcWV8fQ"

para_attr = {
  "type": "bank_account",
  "bank_account": {
    "ifsc": "UTIB0000013",
    "account_number": 914010012345679
  }
}

Razorpay::VirtualAccount.allowed_payer(virtualId, para_attr)

Parameters:

Name Type Description
virtualId* string The id of the virtual to be updated
type* object The receiver type to be added to the virtual account. Possible values are vpa or bank_account
bank_account* object Indicates the bank account details such as ifsc and account_number

Response:

{
  "id":"va_DlGmm7jInLudH9",
  "name":"Acme Corp",
  "entity":"virtual_account",
  "status":"active",
  "description":"Virtual Account created for Raftar Soft",
  "amount_expected":null,
  "notes":{
    "project_name":"Banking Software"
  },
  "amount_paid":0,
  "customer_id":"cust_CaVDm8eDRSXYME",
  "receivers":[
    {
      "id":"ba_DlGmm9mSj8fjRM",
      "entity":"bank_account",
      "ifsc":"RATN0VAAPIS",
      "bank_name": "RBL Bank",
      "name":"Acme Corp",
      "notes":[],
      "account_number":"2223330099089860"
    }
  ],
  "allowed_payers": [
    {
      "type": "bank_account",
      "id":"ba_DlGmm9mSj8fjRM",
      "bank_account": {
        "ifsc": "UTIB0000013",
        "account_number": "914010012345679"
      }
    }
  ],
  "close_by":1681615838,
  "closed_at":null,
  "created_at":1574837626
}

Delete an Allowed Payer Account

virtualId = "va_Di5gbNptcWV8fQ"

allowedPayersId = "ba_J0XikIKgezi6PC"

Razorpay::VirtualAccount.delete_allowed_payer(virtualId,allowedPayersId)

Parameters:

Name Type Description
virtualId* string The id of the virtual to be updated
allowedPayersId* string The id of the allowed payers to be updated

Response:

null

Close virtual account

virtualId = "va_Di5gbNptcWV8fQ"

Razorpay::VirtualAccount.close(virtualId)

Parameters:

Name Type Description
virtualId* string The id of the virtual to be updated

Response: For close virtual account response please click here

PN: * indicates mandatory fields

For reference click here