# Virtual bank accounts > For the complete machine-readable documentation index, see [llms.txt](https://apidocs.chargebee.com/llms.txt). A virtual bank account gives customers a dedicated account to pay into, so you don't share your organization's sensitive bank account details with them. You can create a virtual bank account for a customer and share the payment instructions. Customers pay using methods such as ACH credit or wire transfer. Chargebee automatically applies incoming funds to the customer's due invoices. ## Sample Virtual bank account ```json { "account_number": "test_544b835aab71", "bank_name": "TEST BANK", "created_at": 1517501395, "customer_id": "__test__KyVnHhSBWSv7Y5F", "deleted": false, "email": "apple@apple.com", "gateway": "stripe", "gateway_account_id": "gw___test__KyVnGlSBWSv3GHt", "id": "vba___test__KyVnHhSBWSvqH5J", "object": "virtual_bank_account", "reference_id": "cus_I57FgHUl6NNqeT/src_1HUx14Jv9j0DyntJqopyd9ax", "resource_version": 1517501395000, "routing_number": "110000000", "scheme": "ach_credit", "swift_code": "TSTEZ122", "updated_at": 1517501395 } ``` ## Virtual bank accounts attributes ## Input Parameters - `id` (required, string, max chars=40) Identifier of the virtual bank account - `customer_id` (required, string, max chars=50) Identifier of the customer. - `email` (required, string, max chars=70) Email address associated with the virtual bank account - `scheme` (optional, enumerated string, default=ach_credit) Type of the credit transfer Possible enum values: - `ach_credit` ACH Credit Transfer This scheme is deprecated. Instead of `ach_credit` use `us_automated_bank_transfer` . - `sepa_credit` SEPA Credit Transfer This scheme is deprecated. Instead of `sepa_credit` use `eu_automated_bank_transfer` . - `us_automated_bank_transfer` US Automated Bank Transfer - `gb_automated_bank_transfer` UK Automated Bank Transfer - `eu_automated_bank_transfer` EU Automated Bank Transfer - `jp_automated_bank_transfer` JP Automated Bank Transfer - `mx_automated_bank_transfer` MX Automated Bank Transfer - `bank_name` (optional, string, max chars=100) Name of the bank - `account_number` (required, string, min chars=5, max chars=50) The account number to which funds will be transferred. - `routing_number` (optional, string, min chars=3, max chars=50) The routing number of the bank - `swift_code` (optional, string, min chars=3, max chars=11) Swift code of the bank in which the account exists. - `gateway` (required, enumerated string) Name of the gateway this virtual bank account is stored in. Possible enum values: - `chargebee` Chargebee test gateway. - `chargebee_payments` Chargebee Payments gateway - `adyen` Adyen is a payment gateway. - `stripe` Stripe is a payment gateway. - `wepay` WePay is a payment gateway. - `braintree` Braintree is a payment gateway. - `authorize_net` Authorize.net is a payment gateway - `paypal_pro` PayPal Pro Account is a payment gateway. - `pin` Pin is a payment gateway - `eway` eWAY Account is a payment gateway. - `eway_rapid` eWAY Rapid is a payment gateway. - `worldpay` WorldPay is a payment gateway - `balanced_payments` Balanced is a payment gateway - `beanstream` Bambora(formerly known as Beanstream) is a payment gateway. - `bluepay` BluePay is a payment gateway. - `elavon` Elavon Virtual Merchant is a payment solution. - `first_data_global` First Data Global Gateway Virtual Terminal Account - `hdfc` HDFC Account is a payment gateway. - `migs` MasterCard Internet Gateway Service payment gateway. - `nmi` NMI is a payment gateway. - `ogone` Ingenico ePayments (formerly known as Ogone) is a payment gateway. - `paymill` PAYMILL is a payment gateway. - `paypal_payflow_pro` PayPal Payflow Pro is a payment gateway. - `sage_pay` Sage Pay is a payment gateway. - `tco` 2Checkout is a payment gateway. - `wirecard` WireCard Account is a payment service provider. - `amazon_payments` Amazon Payments is a payment service provider. - `paypal_express_checkout` PayPal Express Checkout is a payment gateway. - `gocardless` GoCardless is a payment service provider. - `orbital` Chase Paymentech(Orbital) is a payment gateway. - `moneris_us` Moneris USA is a payment gateway. - `moneris` Moneris is a payment gateway. - `bluesnap` BlueSnap is a payment gateway. - `cybersource` CyberSource is a payment gateway. - `vantiv` Vantiv is a payment gateway. - `checkout_com` Checkout.com is a payment gateway. - `paypal` PayPal Commerce is a payment gateway. - `ingenico_direct` Worldline Online Payments is a payment gateway. - `exact` Exact Payments is a payment gateway. - `mollie` Mollie is a payment gateway. - `quickbooks` Intuit QuickBooks Payments gateway - `razorpay` Razorpay is a fast growing payment service provider in India working with all leading banks and support for major local payment methods including Netbanking, UPI etc. - `global_payments` Global Payments is a payment service provider. - `bank_of_america` Bank of America Gateway - `ecentric` Ecentric provides a seamless payment processing service in South Africa specializing on omnichannel capabilities. - `metrics_global` Metrics global is a leading payment service provider providing unified payment services in the US. - `windcave` Windcave provides an end to end payment processing solution in ANZ and other leading global markets. - `pay_com` Pay.com provides payment services focused on simplicity and hassle-free operations for businesses of all sizes. - `ebanx` EBANX is a payment gateway, enabling businesses to accept diverse local payment methods from various countries for increased market reach and conversion. - `dlocal` Dlocal provides payment solutions for global commerce by accepting local payment methods. - `nuvei` Nuvei is a secure and reliable payment processing solution that allows you to accept payments from customers and suitable for various types of businesses. This feature is a **Private Beta Release**. [Request access](https://app.chargebee.com/login?forward=https://app.chargebee.com/request_access/nuvei&ref=feature) to enable Nuvei for your test and live sites. - `solidgate` Solidgate is a secure and reliable payment processing solution that allows you to accept payments from customers and suitable for various types of businesses. This feature is a **Private Beta Release**. - `paystack` Paystack is a payment gateway for businesses in Africa. It enables secure payment acceptance both online and offline. This feature is a **Private Beta Release**. [Request access](https://app.chargebee.com/login?forward=https://app.chargebee.com/request_access/paystack&ref=feature) to enable Paystack for your test and live sites. - `jp_morgan` J.P. Morgan Mobility Payment Solutions is a payment gateway that enables you to securely accept and manage digital payments across different [payment\_source\_type](/docs/api/payment_sources/payment_source-object#type). This feature is a **Private Beta Release**. [Request access](https://app.chargebee.com/login?forward=https://app.chargebee.com/request_access/jp-morgan-bacs&ref=feature) to enable the J.P. Morgan Mobility Payment Solutions gateway via payFURL for your test and live sites. - `deutsche_bank` Deutsche Bank is the leading German bank with strong European roots and a global network. This feature is a **Private Beta Release**. - `ezidebit` Ezidebit is a payment gateway integration based in Australia that supports automated direct debit, BPAY, and card payments for businesses. This feature is a **Private Beta Release**. - `twikey` Twikey is a payment service provider that specializes in processing direct debit payments across the EU. - `tempus` Tempus Technologies is a payment gateway and payments technology provider offering secure payment processing with point-to-point encryption (P2PE) and tokenization. - `moyasar` Moyasar is a fully integrated online payment service that makes accepting payments simple and secure. - `payway` Payway is a payment gateway that enables secure card and payment acceptance. - `payu` - `not_applicable` Indicates that payment gateway is not applicable for this resource. - `gateway_account_id` (required, string, max chars=50) The gateway account in which this virtual bank account is stored. - `resource_version` (optional, long) Version number of this resource. The `resource_version` is updated with a new timestamp in milliseconds for every change made to the resource. This attribute will be present only if the resource has been updated after 2016-09-28. - `updated_at` (optional, timestamp(UTC) in seconds) Timestamp indicating when this virtual bank account resource was last updated. - `created_at` (required, timestamp(UTC) in seconds) Timestamp indicating when this virtual bank account resource is created. - `reference_id` (required, string, max chars=150) Identifier provided by the gateway for the virtual bank account source. In case of Stripe, the reference\_id consists of a combination of Stripe Customer ID and Stripe Source ID separated by a forward slash (e.g. cus\_63MnDn0t6kfDW7/src\_6WjCF20vT9WN1G). - `deleted` (required, boolean) Indicates that this resource has been deleted.