> ## Documentation Index
> Fetch the complete documentation index at: https://developer.me-cash.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Virtual Account Creation Webhook Event

> Reference for the `virtualaccount.creation.completed` webhook event, triggered when a virtual account has been successfully created and account details are ready.

This webhook is sent when a virtual account has been successfully created. For asynchronous corridors like **USD**, this webhook is the primary way to receive the permanent account number and SWIFT/routing details. For other corridors like **NGN** or **MWK**, this webhook is sent in addition to the API response.

## Payload Example (USD)

```json theme={null}
{
  "event": "virtualaccount.creation.completed",
  "data": {
    "id": "0bfc9062-40a6-4810-8b05-bac860711257",
    "firstName": "Zola",
    "lastName": "Keebler",
    "email": "Amelia_Kuhn97@yahoo.com",
    "phoneNumber": "433-545-9366",
    "reference": "REF_NVDBFB5HEGSA",
    "accountName": "Breitenberg Becker",
    "gender": "M",
    "dateOfBirth": "1980-10-10",
    "nationality": "NG",
    "idType": "PASSPORT",
    "idNumber": "U******1",
    "address": "0887 Nicolas Locks",
    "city": "Fort Collins",
    "postalCode": "100001",
    "account": {
      "name": "Breitenberg Becker",
      "bankName": "DBS Bank Limited",
      "sortCode": "MOOLAHGO",
      "number": "820219574504",
      "swiftCode": "DBSSSGSGXXX",
      "bankAddress": "12 Marina Boulevard, DBS Asia Central Marina Bay Financial Tower"
    },
    "status": "ACTIVE",
    "currency": "USD",
    "country": "US",
    "isPermanent": true,
    "company": {
      "registrationNumber": "NDBUVAP1",
      "registrationCountry": "NG",
      "registrationDate": "2024-10-10"
    },
    "created": "2026-01-28T05:08:15.649835300Z"
  }
}
```

## Payload Breakdown

| **Field**                          | **Type** | **Description**                                              |
| :--------------------------------- | :------- | :----------------------------------------------------------- |
| `event`                            | string   | The name of the event (`virtualaccount.creation.completed`). |
| `data.id`                          | string   | Unique identifier for the virtual account resource.          |
| `data.firstName`                   | string   | Authorized representative's first name.                      |
| `data.lastName`                    | string   | Authorized representative's last name.                       |
| `data.email`                       | string   | Contact email tied to the account.                           |
| `data.phoneNumber`                 | string   | Phone number stored for the customer.                        |
| `data.reference`                   | string   | The unique reference you provided during creation.           |
| `data.accountName`                 | string   | Display name for the account (Business Name).                |
| `data.gender`                      | string   | Gender of the representative (`M` or `F`).                   |
| `data.dateOfBirth`                 | string   | Date of birth (YYYY-MM-DD).                                  |
| `data.nationality`                 | string   | 2-letter ISO country code of nationality.                    |
| `data.idType`                      | string   | Type of identification provided.                             |
| `data.idNumber`                    | string   | Masked identification number.                                |
| `data.address`                     | string   | Street address.                                              |
| `data.city`                        | string   | City or Town.                                                |
| `data.postalCode`                  | string   | Postal/ZIP code.                                             |
| `data.account.name`                | string   | The name on the bank account.                                |
| `data.account.bankName`            | string   | The name of the issuing bank.                                |
| `data.account.number`              | string   | The permanent bank account number.                           |
| `data.account.sortCode`            | string   | The bank sort code or routing number.                        |
| `data.account.swiftCode`           | string   | The SWIFT/BIC code (primarily for USD accounts).             |
| `data.account.bankAddress`         | string   | The physical address of the issuing bank branch.             |
| `data.status`                      | string   | The current status of the account (e.g., `ACTIVE`).          |
| `data.currency`                    | string   | The currency of the account (e.g., `USD`, `NGN`, `MWK`).     |
| `data.country`                     | string   | 2-letter ISO country code of the account.                    |
| `data.isPermanent`                 | boolean  | Indicates if the account is permanent.                       |
| `data.company`                     | object   | Company registration details.                                |
| `data.company.registrationNumber`  | string   | Business registration number.                                |
| `data.company.registrationCountry` | string   | Country where company is registered.                         |
| `data.company.registrationDate`    | string   | Date of company registration.                                |
| `data.created`                     | string   | ISO 8601 timestamp of when the account was created.          |

## Handling the Webhook

When you receive this webhook:

1. **Verify the signature** – Ensure the webhook is authentic using your webhook secret.
2. **Match the reference** – Use `data.reference` to link these account details to the specific request in your system.
3. **Notify the user** – Share the `data.account.number` and other relevant details with your customer so they can begin funding their account.

<Callout type="info" emoji="ℹ️">
  **NOTE:** For `virtualaccount.failed`, the `state` will be "FAILED".
</Callout>