Virtual IBANs

Programmatically spin up dedicated, multi-currency Virtual IBANs for your users, global subsidiaries, or corporate entities in seconds.

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Borderless Banking Infrastructure

On-Demand Virtual Account Issuance

Enable native local clearing routes (SEPA, Faster Payments, Fedwire) and seamless cross-border settlement without the friction, delays, or overhead of traditional commercial banking.

Automated Ledger Routing & Reconciliation

Intelligently route, isolate, and reconcile high-volume incoming wire transfers and ACH deposits. Instantly bind incoming funds directly to distinct sub-tenant ledgers.

Programmatic Account Governance

Authorize, suspend, freeze, or close virtual international accounts instantly via API while maintaining bulletproof compliance checks and real-time ledger balance parity.

Developer First Banking API

A powerful suite of APIs designed for automated virtual account issuance, inbound routing, and ledger synchronization.

View API Docs

accounts.js

const paytech = require('paytech-global')('sk_live_key');

// Instantly provision a dedicated GBP account
const iban = await paytech.virtualAccounts.create({
  currency: 'gbp',
  routing: 'faster_payments',
  entity: {
    name: 'TechFlow Ltd',
    country: 'GB'
  },
  features: ['sepa', 'swift_inbound']
});

console.log(iban.account_number); // "GB82PAYT00000012345678"