post
https://sandboxapi.fincra.com/profile/virtual-accounts/requests
Request a CAD collection account and receive a unique Interac collection alias.
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Creates a request for a CAD collection account. On approval, a unique Interac collection alias (e.g. [email protected]) is generated, registered on the Interac network, and enabled for Autodeposit. The alias is the collection identifier for this account.
Request
Endpoint
POST https://api.fincra.com/profile/virtual-accounts/requests
Headers
| Header | Value |
|---|---|
api-key | Your secret API key |
Content-Type | application/json |
Accept | application/json |
Body Parameters
| Field | Type | Required | Description |
|---|---|---|---|
currency | string | Yes | Must be CAD |
accountType | string | Yes | corporate or individual |
purpose | string | Yes | Purpose of the account, e.g. third_party |
merchantReference | string | No | Your unique reference for this request |
KYCInformation | object | Yes | KYC/KYB details. The required fields depend on accountType (see below) |
metadata | object | No | Custom key-value pairs attached to the account |
entityName | string | Conditional | Legal entity name (corporate) |
paymentFlowDescription | string | Conditional | Description of expected payment activity (corporate) |
regulatoryEvidence | string (URL) | Conditional | Corporate document |
incorporationDocuments | string (URL) | Conditional | Corporate document |
articleOfIncorporation | string (URL) | Conditional | Corporate document |
beneficialOwnershipCertificate | string (URL) | Conditional | Corporate document |
sourceOfFunds | string (URL) | Conditional | Corporate document |
utilityBill | string (URL) | Conditional | Corporate document |
KYCInformation by account type
| accountType | Key fields |
|---|---|
corporate | businessRegistrationName, businessRegistrationNumber, businessRegistrationCountry, tradingName, email, phone, website, address, directorsName, incorporationDate, taxIdentificationNumber, companyType, businessCategory, estimatedMonthlyTurnover, fundsTransferCorridors, countriesOfOperation, expectedCounterparties, ultimateBeneficialOwners[] |
individual | firstName, lastName, email, phone, nationality, birthDate, taxCountry, taxNumber, sourceOfIncome, accountDesignation, employmentStatus, incomeBand, annualIncome, address, document |
Response
A successful request returns the virtual account object. The account status starts as pending and moves to approved once compliance verification is complete. On approval:
accountInformation.otherInfo.interacEmailcontains the Interac collection aliasaccountInformation.otherInfo.addressableInisINTERAC_ETRANSFERaccountNumberis empty; the alias is the collection identifier