Virtual Account.
Virtual accounts for business operations. Assign unique virtual accounts to each customer or invoice — automate reconciliation and simplify multi-currency collections at scale.
Three reasons institutions choose dtcpay.
Simplify reconciliation
Each virtual account maps to one customer or invoice — auto-match payments on arrival.
Scale collections
Issue thousands of VAs via API — no operational overhead.
Compliance-first
Regulated infrastructure, KYC/AML and audit trails by default.
Streamlined multi-currency collections.
Accept SGD, USD, HKD, USDT and more from a single platform. Each currency tracked separately — no commingling.
Make collections easier to manage.
Each virtual account carries a unique reference — every incoming payment is automatically tagged to a customer, transaction or business unit.
Three ways institutions deploy VAs.
Business client collections
Dedicated VA per corporate client — auto-match payments to the right account.
Customer-level collections
One VA per end-customer — real-time balance per account.
Platform & merchant networks
Manage collections across hundreds of sub-accounts, scale via API.
Offer virtual account capabilities through your financial platform.
Help your clients collect, track and reconcile payments — without building the infrastructure yourself.