Tạo tài khoản VA trên ACB cùng PionPay: nhận tiền và đối soát rõ ràng hơn

When multiple orders and incoming payments arrive in a single account, identifying the source of the funds and which order they belong to can be time-consuming. PionPay allows you to create a Virtual Account (VA) on ACB to clearly separate and manage incoming payments. What is a VA account on ACB? A Virtual Account (VA) is a dedicated account linked to each customer, order, or specific purpose, used for receiving payments.

Each VA has a unique identifier, so when money arrives, the system immediately identifies which transaction the payment belongs to. All incoming funds remain concentrated in your main ACB account. How does VA work when a customer pays? VA works by assigning a specific VA to each customer or order for receiving payments. When a customer transfers money to their designated VA, the system identifies the payment and records it in the main account for easy management.

Example of assigning VA: Store A → VA A Store B → VA B Store C → VA C With this organization, it becomes clear where each payment comes from and who it belongs to. Instead of checking individual transactions on a single shared account, you know which payment is associated with which customer or order. What does PionPay offer for creating and managing VA?

PionPay enables you to create and manage VA on ACB directly through the system, with key features: Creating a VA on ACB directly within the PionPay system, without the need for extensive manual work. Linking VA to the appropriate entity or requirement according to your company's method of managing transactions. Receiving payments through individual VA instead of relying solely on a single shared payment account.

Easily identifying transactions, supporting the process of checking and comparing money flows. Additionally, using VA helps you avoid sharing your main account details with each customer, as each payment goes to a distinct, identifiable VA. How is VA different from using a single shared payment account? The main difference is that VA categorizes incoming funds immediately upon arrival, while a shared account requires manual reconciliation.

The table below compares VA with a shared payment account across various criteria. Since the funds still concentrate in your main ACB account, you gain both: consolidated funds for management and the ability to track individual sources of revenue for comparison. How to add an ACB VA account through PionPay? Step 1: Go to the bank linkage section Choose Virtual Account (VA) Step 2: Name your virtual account Step 3: Confirm the OTP to create the VA Step 4: Complete VA creation Please note the following when using VA: VA must be provided by the bank or authorized entity and used for its intended purpose.

Opening and using a payment account in Vietnam is regulated by Decision 17/2024/TT-NHNN; it is illegal to falsify identity, buy, sell, rent, or lend payment accounts (Source: FinanOne compilation, 2026). VA on ACB through PionPay works in conjunction with the bank. FAQ: Can VA withdraw or transfer funds? VA is typically used only for receiving payments; incoming funds are recorded in the main account at ACB.

How many VA can you create? You can create as many VA as needed per customer, order, or purpose; specific limits are determined by PionPay or ACB. Are VA transactions automatically sorted? Yes. Each transaction is automatically categorized to its designated VA when funds arrive. Does VA money go to the main account? Yes. VA helps identify the source of revenue, and the funds still concentrate in the main ACB account.