Canadian Virtual Accounts

CAD Virtual Account Funding

For CAD virtual accounts, the customer makes one setup call and then just listens for the webhook.

Step-by-step process

Step	Who	Call or action	Notes
1	VoPay	Virtual Account is created and assigned to a Merchant account	There is no API for this step. VoPay will create a virtual account for a customer
2	VoPay/Customer	Virtual account Information is shared with the customer	VoPay CSM and/or Implementation team shares the account and transit numbers with the customer. Through email
3	Customer	Register the webhook	POST `/api/v2/account/webhook-url` with `Type=virtualtransaction`. Test it with `/api/v2/account/webhook-url/test?Type=virtualtransaction`
4	Payer	Payer (Customer itself or a 3rd party) sends CAD payment to the virtual account	EFT or wire to the virtual account
5	VoPay	Funds land in Virtual Account	VoPay confirms the transaction
6	VoPay	VoPay applies funding to a VoPay account and sends webhook notification	VoPay updates account transaction history and sends the`virtualtransaction`webhook notification.
7	Customer	Receive the notification	`virtualtransaction` webhook. Match on `ClientAccountID`, and confirm the amount
8	Customer	Look up the details	`GET /api/v2/account/transactions` (filter by client account), `GET /api/v2/account/client-accounts/balance`. Use these for reconciliation or to see the running balance
9	Customer	Use the funds	Any payout from the client account, or a transfer between client accounts. This is optional. The funds are already in the client account

`virtualtransaction` Webhook notification

When a credit is approved, the customer receives a virtualtransaction webhook, and a ledger transaction appears on the client account.

Webhook fields

Field	Meaning
ID	The ledger transaction ID. Pass it to the transaction lookup endpoints
ClientAccountID	The client account that received the funds (the one the virtual account is mapped to)
TransactionType	`funding` or `wire` for a credit, `withdraw` for a debit. VoPay ops picks it when they approve
Amount	CAD amount as BMO reported it
TransactionDate	Transaction date from BMO
AvailableBalance	Available CAD balance of the whole account (`FetchAvailableBalance`), not the client account's balance

Sample payload

View sample payload

{
  "Success": true,
  "EventID": 12345,
  "Event": "virtualtransaction",
  "Status": "successful",
  "FailureReason": "",
  "ID": 98765,
  "UpdatedAt": "2026-09-28 14:30:00",
  "ValidationKey": "...",
  "Environment": "Production",
  "TransactionDate": "2026-09-28",
  "Amount": "2500.00",
  "AccountID": "<API account ID>",
  "ClientAccountID": "<client account ID>",
  "TransactionType": "funding",
  "AvailableBalance": "..."
}

Virtual Account Info and Transaction History in VoPay portals

VoPay Accounts Portal Screen	Details
VoPay Dashboard & Account Summary screen	Account Balances goes up
Transaction history	Virtual Account Funding or Virtual Account Wire transaction shows up under Account Transaction History. You can filter by those types.
Contact/Client Transaction History	The credit appears in that client account's transactions and balance. You can filter by virtual account transaction types.

Updated about 5 hours ago

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