What is a VIBAN ?

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A Virtual Iban (VIBAN) is a secondary account identifier.

It follows all rules of the IBAN definition and has the same caracteristics of a classic IBAN (country code, bank code, branch code).

The VIBAN is linked to a main account and is identified by its own IBAN and can be used to receive incoming SEPA or Instant Payments. The VIBAN can also be used to mask and secure the original account IBAN (your creditor does not know your main IBAN) or to identify the payment issuer.

For now, the Xpollens VIBAN feature will allow the creation of VIBANs, reception of funds through a VIBAN and identification of the operations received through a VIBAN.

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Once you have an account, you can create as many VIBANs as you like.

You can then supply dedicated VIBANs to your stakeholders and easily letter incoming payments by finding VIBAN into the operations details.

Sequence diagram

sequenceDiagram
Title: Create virtual Iban
autoNumber
Actor User
Participant Partner
Participant XPO

Note over User, XPO: VIBAN creation
Partner ->> XPO : POST /v3.0/virtual-ibans
XPO ->> Partner :return OK (201)
XPO -->> Partner: callback VirtualIbanCreatedOrUpdated <br/> {"virtualIbanStatus": "Active"}
Partner -->> User: display VIBAN
User -->> XPO : Sepa Credit Transfer

Note over User, XPO: VIBAN removal
Partner ->> XPO : DELETE /v3.0/virtual-ibans/{virtualIbanId} 
XPO -->> Partner: callback VirtualIbanCreatedOrUpdated <br/> {"virtualIbanStatus": "Revoked"}

Status diagram

stateDiagram
[*] --> Active: VIBAN created
Active --> Revoked: VIBAN removal

Revoked --> [*]

VirtualIban Endpoints for handling Virtual IBAN

Create a virtual IBAN

POST /v3.0/virtual-ibans 🔗 VIBAN creation

This API allows partners to generate unique VIBANs, associated with a master IBAN.

These virtual IBANs are used to facilitate transaction tracking, improve management of incoming payments and optimize bank reconciliation.

Get a virtual iban's list of an account

GET /v3.0/virtual-ibans 🔗 VIBAN information
or
GET /api/v3.0/virtual-ibans/virtualIbanId

Revoke a virtual iban

DELETE /v3.0/virtual-ibans/virtualIbanId 🔗 revoke Iban

This API allows the partner to revoke a virtual Iban.

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The revocation is permanent, the virtual iban can't be reactivated.

FAQ

What is the maximum of VIBAN for an account?

We have no limitation in number.

How can I get the list of transactions per VIBAN?

To know who sends you a payment, the VIBAN ID is available into the SEPA and Instant Payment operation details.

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You can also list the operations made on a VIBAN :

For SEPA Credit Transfer: 🔗 List of SCT operation

For Instant Payment: 🔗 List of IP operation