Virtual Account Number Structure using Zwitch APIs

When you create a Virtual account using Zwitch APIs, our banking partner (YES Bank) automatically generates a 28-digit primary Virtual Account Number (VAN) with an IFSC code. If you have a business, you can use VAN to send money to a virtual account (customer, vendor, etc.) or collect money from any virtual account. 

For ease of reconciliation, we have divided the Virtual Account Number (VAN) generated with Zwitch into three parts.  The first six digits of VAN denote that it belongs to Zwitch. The following seven digits are for the merchant onboarded on Zwitch (say Swiggy, Zomato, etc.), and the next 15 digits are for the merchant’s customer/user/supplier, etc.

For example, let’s say our APIs generated a virtual account number as

3636360000003000000000000056

In this case, 363636 denotes that it is from Zwitch, 0000003 represents the merchant and 000000000000056 represents the customer/user/supplier, etc.