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Virtual accounts

Receive bank transfers. Follow every deposit.

Give clients bank details they can pay into. See the incoming transfer, check its status and keep the reference your finance team needs.

Explore receiving accountsSee how deposits work

Choose from the receiving currencies available to your account.

A business owner discussing client work at her desk

Receiving client payments

Clear payment details. A clearer conversation.

Know what arrived. See what needs attention.

Open your receiving account to follow deposits by sender, reference and status. A held payment comes with the available reason, so the follow-up starts with useful details.

Account status
Share receiving details once the account is active.
Incoming deposits
See the amount, sender and payment reference together.
Exception context
Use the hold or return reason to check the next step with the sender or support.
Receiving account

USD receiving account

Receiving details · •••• 4823

Account statusActive

Deposit activity

Northstar Studio

INV-207

$2,400

Held

Fieldwork Co.

SEP-104

$1,800

Credited

Hold reason · INV-207

Additional information requested

Use the sender and payment reference for the follow-up.

Give your client a clear way to pay

Choose an available currency, complete verification and share the full receiving instructions.

  1. 01

    Request an account

    Choose an available currency and complete the account request, including any required verification.

  2. 02

    Share the active details

    Copy, download or print the receiving details once the account is active. Send the full instructions to the payer.

  3. 03

    Track the incoming transfer

    Open deposit activity to check the amount, sender, reference and status. Review any held or returned deposit with its reason.

  4. 04

    Reconcile with finance

    Use the deposit details to match the receipt to your records. If it covers several invoices, confirm the allocation with the payer.

One transfer. Two invoices.

Northwind Group · September work

$4,200 USD

Design project

INV-301

$2,400

Monthly retainer

INV-302

$1,800

Confirm the allocation with the client before closing both invoices.

Finance handoff

The deposit arrived. Which invoices does it cover?

A client may pay two invoices in one transfer, or send it from a parent company. The deposit tells you what arrived. Finance still needs to confirm which invoices it settles.

Compare the amount and reference, ask the payer for a breakdown if needed, and keep that confirmation with your records.

Need a link for one invoice?

When a transfer needs a follow-up

The transfer has not appeared

Ask the sender for the payment confirmation. Compare the amount, currency and destination with your active receiving details, then share the reference with support to trace it.

The payment was returned

Check the return reason before asking the client to pay again. If an invoice was already closed, finance needs to review it and keep the receipt and return references together.

Receiving and collection options

Explore account setup, controls and an alternative for invoice-linked payments.

Global Reach

Check the receiving currencies and account details available for your business.

Security

Review account access, receiving details and the records kept with each deposit.

Developer Experience

Plan how account details and deposit updates connect to your application.

Collect against a specific invoice

Use invoice-linked checkout when you want the request and result tied to one invoice.

Virtual account questions

What is a virtual account?+
A virtual account gives you receiving details for incoming bank transfers in a supported currency. Request the account, complete the required checks and share its details once it is active. Gruv shows the account status and the deposits associated with it.
Which currencies can I receive?+
The account request shows the currencies available to you. Choose the currency you need and complete the required verification. Your business location and account program determine which receiving details can be issued.
What statuses can receiving details have?+
An account can be requested, active, suspended, or closed. Share receiving details once the account is active. Check its status before sending instructions again, especially if the account has been replaced or suspended.
What does a deposit record show?+
Deposits can be pending, credited, held, or returned. Open a deposit to see its amount, sender information, payment reference, available received and credited times, and any hold or return reason supplied.
Who picks up a held or returned deposit?+
Your operations or finance team starts with the deposit reason and references. Follow up with the sender or support using those details. A hold needs review; a returned payment needs its return reason checked before the sender is asked to try again.
Does a deposit automatically pay an invoice?+
A deposit records money received into the account; invoice matching is a separate step. Finance compares the sender, reference and amount with the outstanding invoices. Use an invoice payment link when you want the payment request to start from a specific invoice.

Make incoming payments easier to follow

Tell us where your payers are and which currencies you need to receive. We will walk through account availability, verification and deposit tracking.

Explore receiving accountsExplore invoice payment links

We will check the receiving currencies available for your business.