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

# Managing Virtual Bank Accounts

This guide explains how to create a Virtual Bank Account (VBA), set up notification groups to receive payment updates, and view VBA payment details.

Prerequisites:

Before you begin, ensure:

* You have an **active Telr Payment Gateway account**
* The **VBA payment method** is enabled

If you are a new user, [click here](https://telr.cashfree.com/merchants/signup) to sign up with **Cashfree Payments**.

## Creating a VBA

To create a VBA:

1. Log in to the **[merchant dashboard](https://telr.cashfree.com/merchants)** with your credentials.
2. Click **Payment Gateway**.
3. Navigate to **VBA Configuration > VBA Accounts**.
4. Click **Create Virtual Account**.
5. Enter the required details in the modal and click **Save**.

<img src="https://mintcdn.com/telr/jOf-Hds2xpHt0c1A/static/payments/vba/vba-2.png?fit=max&auto=format&n=jOf-Hds2xpHt0c1A&q=85&s=c31a7f8113bb9acc33c87c2d40e31e22" alt="" width="1600" height="857" data-path="static/payments/vba/vba-2.png" />

<Note>
  Note: *(Optional)* Enable **Remitter Lock (TPV)** to restrict payments to specific accounts and set transaction limits.
</Note>

The **VBA Accounts** page displays all VBAs. You can **copy details, update notifications, or deactivate accounts** from this page.

## Viewing VBA payments

To view payments related to VBAs:

1. Log in to the **[merchant dashboard](https://telr.cashfree.com/merchants)** with your credentials.
2. Click **Payment Gateway**.
3. Navigate to **Transactions > Payments**.
4. Click on the **Search & Filter** drop-down.
5. Select **VBA Transfer** under the **Payment Methods** filter. This displays all transactions processed through **VBAs**.

<img src="https://mintcdn.com/telr/9tUIqL24EZvTo9ie/static/payments/vba/vba-4.png?fit=max&auto=format&n=9tUIqL24EZvTo9ie&q=85&s=3d6e9ff84f819a941c21299c62e50cb5" alt="" width="1600" height="1102" data-path="static/payments/vba/vba-4.png" />

## Creating a notification group

To create a **notification group**:

1. Log in to the **[merchant dashboard](https://telr.cashfree.com/merchants)** using your credentials.
2. Click **Payment Gateway**.
3. Navigate to **VBA Configuration > Notification Groups**.
4. Click **Create Notification Group** to open the **Add Notification Group** modal.
5. In the modal, enter the following details:
   * **Group Name:** Enter a name for the notification group.
   * **Notification Type:** Select **Email** or **Phone**.
   * **Plus (+) icon:** Click to add more notification types.
6. Click **Add** to create the notification group.

<img src="https://mintcdn.com/telr/jOf-Hds2xpHt0c1A/static/payments/vba/vba-3.png?fit=max&auto=format&n=jOf-Hds2xpHt0c1A&q=85&s=6981228b37437f9a6e7bab3d8d6e4373" alt="" width="1600" height="857" data-path="static/payments/vba/vba-3.png" />

## FAQs

<Accordion title="What is a Virtual Bank Account (VBA)?">
  A Virtual Bank Account (VBA) is a unique, temporary bank account that helps businesses collect payments through NEFT, RTGS, and IMPS.
</Accordion>

<Accordion title="Can I collect payments from UPI apps such as Google Pay, PhonePe, or Paytm?">
  No. NPCI regulations do not allow UPI payments to Virtual Bank Accounts. These transactions fall under P2P (Person-to-Person) transfers, which do not work with VBAs.
</Accordion>

<Accordion title="Is there a transaction limit for payments to a VBA?">
  Yes. The payment mode (IMPS, NEFT, or RTGS) determines the transaction limit. You can also set a minimum and maximum limit when you create a VBA to control payment amounts.
</Accordion>