/open_virtual_account

This allows the user to generate/allocate a new virtual account number, and make it active for transacting.

The associated app must have virtual account creation enabled for this endpoint to result in the successful creation of a virtual account.

For this endpoint, the "app" and "user" used for creating the virtual account respectively come from the auth_handle and user_handle specified in the "header" object of the request body. The specified user must have passed full KYC in order to open a virtual account.

How to open a virtual account

To create a virtual account, use the /open_virtual_account endpoint. The virtual account created will be associated with the end user entity provided in the authentication header.

The virtual account and routing number are provided in the response. A virtual account number is sixteen digit number. The first six digits of that number are a bin that is assigned to the customers app and will be static for all of that apps virtual accounts.

Example: [static bin][dynamic digits]
9710001234567890

Requests

Both authsignature and usersignature headers are required for this request.

POST /0.2/open_virtual_account HTTP/1.1
Host: sandbox.silamoney.com
authsignature: [GENERATED AUTHSIGNATURE HEX STRING HERE]
usersignature: [GENERATED USERSIGNATURE HEX STRING HERE]
Content-Type: application/json

{
  "header": {
    "created": 1234567890, 
    "auth_handle": "handle.silamoney.eth", 
    "user_handle":"user.silamoney.eth", 
    "version": "0.2", 
    "crypto": "ETH", 
    "reference": "<your unique id>"
  },
  "virtual_account_name": "Sherrys Money Tree",
  "ach_credit_enabled": true,
  "ach_debit_enabled": false
}

***
HTTP/1.1 200 OK

{
  "success": true,
  "status": "SUCCESS",
  "response_time_ms": "171",
  "reference": "ref",
  "message": "Virtual account successfully opened.",
  "virtual_account": {
    "virtual_account_id": "{{payment instrument UUID here}}",
    "virtual_account_name": "Sherrys Money Tree",
    "account_number": "1234567812345678",
    "routing_number": "123456789",
    "account_type": "VIRTUAL_ACCOUNT",
    "active": true,
    "closed": false,
    "created_epoch": 1645105714,
    "closed_epoch": null,
    "ach_credit_enabled": true,
    "ach_debit_enabled": false
  }
}
var payload = {
    "ach_debit_enabled":true,
    "ach_credit_enabled":false,
    "virtual_account_name":'default_v_account_1'
}
const res = await sila.openVirtualAccount(userHandle, userPrivateKey, payload);

Success Response Object
{
  "statusCode": 200,
  "headers": {
    "server": "nginx/1.14.0 (Ubuntu)",
    "date": "Fri, 25 Mar 2022 11:45:07 GMT",
    "content-type": "application/json",
    "content-length": "511",
    "connection": "close",
    "access-control-allow-origin": "*",
    "access-control-allow-headers": "*",
    "allow": "POST, OPTIONS",
    "vary": "Cookie"
  },
  "data": {
    "success": true,
    "reference": "c18fadd8-0c75-4b7d-a995-59af6ba09ee6",
    "message": "Virtual account successfully opened.",
    "virtual_account": {
      "virtual_account_id": "72130e62-1bd8-431d-b88d-2440a27c828a",
      "virtual_account_name": "default_v_account_1",
      "account_number": "9710010589065012",
      "routing_number": "084106768",
      "account_type": "VIRTUAL_ACCOUNT",
      "ach_credit_enabled": false,
      "ach_debit_enabled": true,
      "active": true,
      "closed": false,
      "created_epoch": 1648208707,
      "closed_epoch": null
    },
    "status": "SUCCESS",
    "response_time_ms": "255"
  }
}
payload = {
    "virtual_account_name": "default",
    "user_handle": "user.silamoney.eth",
    "ach_credit_enabled": True,
    "ach_debit_enabled": False
}

silasdk.User.openVirtualAccount(app, payload, eth_private_key)

# Success

{
   "success":true,
   "reference": "<your unique id>"
   "message":"Virtual account successfully opened.",
   "virtual_account":{
      "virtual_account_id":"f06e7f6d-381f-42c0-997f-98b86cfe3770",
      "virtual_account_name":"default",
      "account_number":"9710013025110151",
      "routing_number":"084106768",
      "account_type":"VIRTUAL_ACCOUNT",
      "active":true,
      "closed":false,
      "created_epoch":1642756429,
      "closed_epoch":"None",
      "ach_credit_enabled": true,
      "ach_debit_enabled": false
   },
   "status":"SUCCESS",
   "status_code": 200,
}
ApiResponse response = api.openVirtualAccount("userHandle", "userPrivateKey","virtual_account_name","ach_credit_enabled","ach_debit_enabled");

// Success Response
System.out.println(response.getStatusCode()); // 200
VirtualAccountResponse parsedResponse = (VirtualAccountResponse) response.getData();
System.out.println(parsedResponse.getStatus()); // SUCCESS
System.out.println(parsedResponse.getSuccess()); // true
System.out.println(parsedResponse.getReference()); // Reference number
System.out.println(parsedResponse.getMessage()); // Virtual account successfully opened.

parsedResponse.getVirtualAccount(); // Virtual account details
System.out.println(parsedResponse.getVirtualAccount().getVirtualAccountId()); // 1df8f430-3dec-47a2-bfa7-5e02b19a7bc8
System.out.println(parsedResponse.getVirtualAccount().getVirtualAccountName()); // Your virtual account name
System.out.println(parsedResponse.getVirtualAccount().getAccountNumber()); // Account number
System.out.println(parsedResponse.getVirtualAccount().getRoutingNumber()); // 123456789
System.out.println(parsedResponse.getVirtualAccount().getAccountType()); // VIRTUAL_ACCOUNT
System.out.println(parsedResponse.getVirtualAccount().getClosedEpoch()); // "null" or <epoch_timestamp>
System.out.println(parsedResponse.getVirtualAccount().getCreated_epoch()); // <epoch_timestamp>
System.out.println(parsedResponse.getVirtualAccount().isClosed()); // true/false
System.out.println(parsedResponse.getVirtualAccount().isActive()); // true/false
System.out.println(parsedResponse.getVirtualAccount().isAchCreditEnabled()); // true/false
System.out.println(parsedResponse.getVirtualAccount().isAchDebitEnabled()); // true/false
$userHandle = 'user.silamoney.eth';
$userPrivateKey = 'some private key'; // Hex format
$virtualAccountName = "virtual account name";
$achDebitEnabled = true;// Optional - null or true or false;
$achCreditEnabled = true;// Optional - null or true or false;

// Call the api
$response = self::$config->api->openVirtualAccount($userHandle, $userPrivateKey, $virtualAccountName);


// or without optional params
$response = $client->openVirtualAccount($handle, $privateKey, $virtualAccountName);


echo $response->getStatusCode();
echo $response->getData()->status;
echo $response->getData()->success;
echo $response->getData()->virtualAccount["account_type"];
echo $response->getData()->virtualAccount["virtual_account_name"];
echo $response->getData()->virtualAccount["ach_credit_enabled"];
echo $response->getData()->virtualAccount["ach_debit_enabled"];
//Load your informations
bool achCreditEnabled = true; // optional input field
bool achDebitEnabled = false; // optional input field
ApiResponse<object> response = api.OpenVirtualAccount(userHandle, userPrivateKey, virtualAccountName, achCreditEnabled, achDebitEnabled);

// Success Object Response

Console.WriteLine(response.StatusCode); // 200           
Console.WriteLine(((VirtualAccountResponse)response.Data).Message); // Message
Console.WriteLine(((VirtualAccountResponse)response.Data).Success); // true
Console.WriteLine(((VirtualAccountResponse)response.Data).Status); // SUCCESS
Console.WriteLine(((VirtualAccountResponse)response.Data).Reference); // ccb35eb8-xxxx-xxxx-xxxx-xxxxx
Console.WriteLine(((GetVirtualAccountsResponse)response.Data).ResponseTimeMs); // API responses time

Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount);
Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.AccountNumber);  // 1234567812345678
Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.AccountType); // VIRTUAL_ACCOUNT
Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.Active);  // true/false
Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.Closed); // true/false
Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.ClosedEpoch); // epoch timestamp
Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.CreatedEpoch); // epoch timestamp
Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.RoutingNumber); // 044000000
Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.VirtualAccountId); // {{payment instrument UUID here}}
Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.VirtualAccountName); // name of virtual account

Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.AchCreditEnabled); // true
Console.WriteLine(((VirtualAccountResponse)response.Data).VirtualAccount.AchDebitEnabled); // false
KeyTypeDescription
headerJSON objectRequired. Requires these keys in JSON format: created, app_handle, user_handle. See the /check_handle endpoint for the complete list of fields in this object.
virtual_account_namestrOptional. If specified, this will become the nickname for the created virtual account.
Note: if the nickname is already in use for a Payment Instrument linked to the specified user, 8 characters will be placed at the end of the specified nickname to enforce uniqueness
ach_credit_enabledbooleanOptional. Whether or not the virtual account can receive incoming external ACH credits. Default is true.
ach_debit_enabledbooleanOptional. Whether or not the virtual account can receive incoming external ACH debits. Default is false.
  

Responses

Status CodeDescription
200Successfully opened a virtual account.
400Bad request format - check validation_details for more information.
401authsignature or usersignature header was absent or incorrect.
403Not Authorized
404Not Found
  

Response Contents

  
KeyDatatypeDescription
virtual_account_idUUIDUUID is unique and distinct to the virtual account
virtual_account_namestring or nullName of the virtual account
account_numberstringFull virtual account number
routing_numberstring or nullVirtual account ACH routing number.
account_typestringBank account subtype "VIRTUAL_ACCOUNT"
activebooleanWhether the virtual account is "active", True or False.
closedbooleanWhether the account is "closed", True or False.
createddatetimeUnix datetime for the date the virtual account was created.
closed_epochdatetime or nullUnix datetime for the date the virtual account was closed.
ach_credit_enabledbooleanWhether or not the virtual account can receive incoming external ACH credits
ach_debit_enabledbooleanWhether or not the virtual account can receive incoming external ACH debits