Create an additional virtual account when a customer wants to separate incoming payments by purpose, such as subscriptions or wholesale orders. Give it a nickname so it is easy to recognize in your application. Payments received through it are credited to the same customer's 1Money balance.

Availability: Creation currently supports USD for eligible customers who have completed identity verification. To use bank details the customer already has, list their virtual accounts first.

{
  "external_id": "550e8400-e29b-41d4-a716-446655440000",
  "asset": "USD",
  "nickname": "Subscriptions"
}

All three fields are required. Use a UUID for external_id and a non-blank nickname of up to 255 characters. Nicknames must be unique within the customer, including names kept by deleted accounts.

Creation result: A 202 Accepted response means the account is still PENDING. Save its virtual_account_id and retrieve it later, or wait for a virtual account webhook. The networks array stays empty until the account is active.

A 200 OK response returns the result of creation or an account created by an earlier request. When its status is ACTIVE, use the receiving instructions returned in networks.

Retries: If the request times out, look up the account by external_id before trying again. Reuse the original external_id with the same customer, currency, and current nickname. If you have renamed the account, use its new nickname. A conflicting reuse returns 409; a deleted account's external_id cannot be used for a replacement.

Unconfirmed creation requests can be retried within the bank's 72-hour retry window. If the result is still unclear, contact 1Money with the account ID and external_id before submitting a new creation request. A 409 can also mean that the nickname is taken or the customer has no eligible receiving account.

See monthly fees before creating additional accounts.