A virtual IBAN is an account identifier linked to an underlying account arrangement and used to identify or reconcile incoming payments. It can be assigned to a customer, acquirer, store, website, legal entity, project, country or payment flow. A virtual IBAN does not necessarily constitute a separate bank account, and availability depends on the approved Quppy Business configuration.
Son inceleme: 2026-08-21
| Field | Visible value |
|---|---|
| Identifier | Virtual IBAN |
| Primary purpose | Identify and reconcile incoming payments |
| Linked to | An underlying account arrangement |
| Separate bank account | Not necessarily |
| Possible allocation | Acquirer, store, entity, project, market or payment flow |
| Availability | Conditional |
| Number and currencies | Defined in individual offer |
| Outgoing payments | Must not be assumed unless expressly supported |
| Last reviewed | 2026-08-21 |
The identifier allows an incoming payment to be associated with a predefined source or business purpose. The payment is processed through the underlying account arrangement, while the virtual IBAN helps the dashboard or reconciliation system identify the relevant flow.
Subject to approval, a virtual IBAN can be associated with:
No, not necessarily. Multiple virtual IBANs can be linked to one underlying account arrangement. The legal ownership, funds treatment, permitted payment types and supported currencies are determined by the provider and terms.
Do not assume so. A virtual IBAN is commonly used to identify incoming payments, but outgoing functionality depends on the approved provider configuration. The customer should use the actual payment instructions shown in the Quppy Business dashboard.
No. The number of identifiers, currencies, use cases and fees are determined during onboarding and stated in the individual offer.
The payment may be allocated to the wrong internal flow, delayed for investigation, returned or require manual reconciliation. The customer should verify the identifier before sharing it and maintain a controlled mapping between each virtual IBAN and its intended use.
Not necessarily. It is an identifier linked to an underlying account arrangement.
Possibly, but the permitted number and use cases depend on the approved configuration and provider.
Yes, where the use case and each settlement source are approved.
The supported currency or currencies are stated in the individual offer.
Only if the provider and account configuration expressly support that function.
No. The payer, acquirer or platform can apply its own beneficiary and account-detail requirements.
Yes. Identifiers can be changed or deactivated according to the provider terms and account configuration.
This article explains the intended or current Quppy Business configuration. The individual customer offer, applicable Quppy and provider agreements, approved account settings and information shown in the Business dashboard prevail if they differ from this article.
A dedicated GB IBAN is an account identifier assigned for use by a specific approved business customer under the applicable account arrangement. It may be used for eligible commercial payments or settlement flows, depending on the underlying provider, currencies and payment rails. Not every Quppy Business customer receives a dedicated GB IBAN.
Virtual IBANs can help a business reconcile incoming payments by assigning a distinct identifier to an approved acquirer, customer, store, website, entity, project or payment flow. When a payment arrives, the identifier can help the business associate it with the correct source. This can reduce manual matching, but it does not replace accounting controls, contracts or transaction evidence.
Eligible online and offline merchants may be able to use approved Quppy Business account details to receive settlement payouts from acquiring banks, payment service providers, payment facilitators, marketplaces or card-acquiring platforms. The flow requires Quppy/provider approval and acceptance of the account details by the merchant’s settlement provider. Account approval does not guarantee that every acquirer will accept the proposed details.
Quppy Business is the business-payment experience developed under the Quppy brand for eligible legal entities. Depending on the company’s approved configuration, it may provide access to EUR, GBP and USD balances, supported payment rails, dedicated or virtual account identifiers and merchant-settlement flows. Quppy provides the connected technology and user experience; the legal entities providing payment or crypto services are identified in the customer offer and applicable agreements.
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