For platforms, marketplaces, and finance teams

Give every bank transfer a record finance can trace.

Issue dedicated receiving details, match incoming deposits, investigate unclear funds, and move available balances into payout and reconciliation workflows.

Dedicated detailsDeposit matchingReview queuesBalance movement

Map receiving setup See deposit flow

🏦

Infrastructure

Operations-ready

🔒

Transactions

Security-focused

Bank transfers are simple. Matching and tracking them should be too.

Issue dedicated receiving details by customer or workflow, auto-match deposits faster, and route unmatched funds into investigation queues before payout.

Map your receiving setup

Receiving rails

Local receiving details where they matter most.

Offer customers familiar bank-transfer instructions, support local rails where available, and reduce the need to open separate bank relationships for every market you serve.

Local RoutingMajor markets first

Program-friendlyLess bank sprawl to manage

UUSD

United States

United States Dollar

Local + SWIFT

EEUR

Europe

Euro

SEPA + SWIFT

GGBP

United Kingdom

British Pound

FPS + CHAPS

CCAD

Canada

Canadian Dollar

EFT + SWIFT

Ask about supported currencies

Where virtual accounts
work best

Marketplace receivables

Issue unique receiving details to sellers, corridors, or payment flows so inbound funds are easier to attribute before they move into splits or payouts.

Useful for marketplaces teams that need clearer bank-transfer attribution.

Talk through this use case

Enterprise invoice collection

Give enterprise customers dedicated bank-transfer instructions and map deposits back to customer or invoice records with less manual follow-up.

Useful for saas teams that need clearer bank-transfer attribution.

Agency client collections

Keep client funds, campaign budgets, or project collections separated with distinct receiving details and cleaner downstream reporting.

Useful for agencies teams that need clearer bank-transfer attribution.

Controls for real money movement, not just account display.

Virtual accounts still need verification, review states, access controls, and auditability. Gruv is built with those operational controls in mind.

Protected
Workflows

Sensitive data is protected in transit and at rest, with controls matched to the workflow, data type, and operational responsibilities involved.

Protected in transit + at rest

Fund segregation

Customer balances are segregated from operating funds with program-level safeguarding controls and clear ledger visibility.

Monitoring and alerts

Detect deposit exceptions early, trigger alerts, and move investigations before reconciliation deadlines slip.

Compliance controls

KYC/KYB workflows

Verification and policy-gated workflows help you apply the right controls based on market, receiving rail, and downstream payout behavior.

Access controlsAudit logsPolicy gates

Need to show finance and security how the receiving flow works?

Virtual accounts are easier to buy when teams can review the operational outputs, the control model, and the rollout plan up front instead of piecing it together later.

Deposit and reconciliation samples

Show finance teams how incoming funds, holds, returns, and references appear in exports and investigation workflows.

Trust and controls review

Give security and procurement teams the trust packet, workflow notes, and control context behind the receiving setup.

Rollout mapping

Align receiving details, entity setup, exception handling, and payout paths before you expand into more markets or currencies.

Map your rollout View proof library

How it works

From receiving setup to balance movement

Virtual accounts move every bank transfer through issuance, attribution, exception review, balance hold, and payout in one workflow.

gruv.app › virtual-accounts › issue

virtual-accountscustomersissue

Issue receiving details · Northwind Group

Provisioning

CustomerNorthwind Group · cust_84a2

CurrencyUSD

RegionUS · ACH + Wire

Account nameNorthwind Group · GRV

Routing021 000 089

Account••• 4218

Issuance

Sub-ledger created

subledg_84a2

Receiving rails enabled

ACH · Wire · RTP

Name match policy applied

Customer notification queued

Frequently Asked Questions

What are virtual accounts and when should I use them?+

Virtual accounts provide dedicated receiving details for bank transfers, so you can attribute deposits without relying on card checkout flows. They’re often used for receivables reconciliation, marketplace funding workflows, and cleaner customer attribution.

Can I issue virtual accounts in multiple currencies?+

Yes. You can issue virtual accounts by currency so teams receive cleaner local transfer details and reconcile faster. The exact receiving format depends on the rail, market, and program requirements.

What happens if a deposit is returned or held?+

Held or returned deposits stay visible in explicit states with provider references, so ops teams can investigate and reconcile quickly. The exact state flow follows rail rules and compliance requirements.

What happens to unidentified funds?+

Unmatched deposits are routed into an investigation workflow instead of being credited blindly, with visible status updates for ops follow-up. Handling rules still follow the receiving rail and account state.

Can I withdraw funds from virtual account balances?+

Yes. Virtual-account balances can be moved into supported payout routes once the balance is available. Some markets or programs apply activation, name-match, or velocity checks before release.

Ready to give every transfer a record finance can trace?

We'll scope your receiving setup, exception queue, and balance movement before the first deposit lands.

Many teams start with a narrow launch in weeks; timelines depend on scope and integrations.

For Business

Give every bank transfer a record finance can trace.

Bank transfers are simple. Matching and tracking them should be too.