Create a Virtual Account (VA) in SePay Test mode

Create a VA in SePay Test mode: official SBSEPAY VA and memo-based VA, supported per bank and account type.

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Test mode VAs come in two flavors: official VAs (SBSEPAY prefix + 12 characters) and memo-based VAs (3 characters). Which one you can create depends on the bank and account type. See the support table below.

VAs can only be created on a newly-created account. Accounts replicated from Live are read-only.

Official VA

  • VA number: SBSEPAY + 12 random characters (uppercase letters and digits)
  • Status: static, active
  • Example: SBSEPAYX9KA2B7MN4QR
Virtual Account tab in the Test mode bank account detail page
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Bank account detail page with the Virtual Account (VA) tab and Add VA button
Add Official VA modal with auto-generated VA number
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Official VA has a `SBSEPAY` + 12-character format, generated automatically

The SBSEPAY prefix applies to all banks in Test mode. The random suffix is unique within the company.

Banks supporting official VA: ACB, BIDV, MBBank, VPBank (individual and business household), VietinBank (enterprise), OCB, MSB, Sacombank (individual and business household), KienLongBank.

Memo-based VA

Memo-based VAs are 3-character strings (uppercase letters and digits). When a customer transfers money, the transfer memo must contain TKP + the VA code so SePay matches the VA correctly.

  • VA number: 3 random characters
  • Examples: X9K, A2B, 7MN
Add Memo-based VA modal
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Memo-based VA: 3 characters, matched via the `TKP{code}` memo pattern
Memo-based VA applies to specific cases

Memo-based VA applies only to: VietinBank individual and business household, VPBank enterprise, and TPBank for all account types. All other banks and account types use official VA.

VA support per bank in Test mode

BankAccount typeOfficial VAMemo-based VA
ACB SePay Test modeACBIndividual, business household, enterpriseYes
BIDV SePay Test modeBIDVIndividual, business household, enterpriseYes
MBBank SePay Test modeMBBankIndividual, business household, enterpriseYes
VPBank SePay Test modeVPBankIndividual, business householdYes
VPBank SePay Test modeVPBankEnterpriseYes
VietinBank SePay Test modeVietinBankIndividual, business householdYes
VietinBank SePay Test modeVietinBankEnterpriseYes
OCB SePay Test modeOCBIndividual, business household, enterpriseYes
MSB SePay Test modeMSBIndividual, business household, enterpriseYes
Sacombank SePay Test modeSacombankIndividual, business householdYes
TPBank SePay Test modeTPBankIndividual, business household, enterpriseYes
KienLongBank SePay Test modeKienLongBankIndividual, business household, enterpriseYes
Test mode allows operations that Live doesn't

Some Test mode VA operations like delete and toggle are permitted to ease testing, even when Live doesn't support them. The system displays a warning when you perform these, reminding you the feature is Test mode-only.

Next

  • Bank account: create a manual account first so you can create VAs
  • Simulate transaction: send a transaction to your new VA and check the subAccount payload field
  • Quotas: up to 100 VAs per bank account
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