> ## Documentation Index > Fetch the complete documentation index at: https://docs.cadanapay.com/llms.txt > Use this file to discover all available pages before exploring further. # Create Virtual Account > Create a new virtual account for a user ## OpenAPI ````yaml /openapi/embedded-payments.yaml post /v1/users/{userId}/virtual-accounts openapi: 3.0.0 info: description: APIs for interacting with Cadana Global Payments version: 1.0.0 title: Embedded Payments termsOfService: https://cadanapay.com/terms-and-conditions contact: email: api@cadanapay.com license: name: Apache 2.0 url: http://www.apache.org/licenses/LICENSE-2.0.html servers: - url: https://api.cadanapay.com description: Prod Server - url: https://dev-api.cadanapay.com description: Dev Server security: - Authorization: [] tags: - name: Beneficiaries description: APIs for managing beneficiaries - name: Payouts description: APIs for managing payouts - name: Balances description: APIs for managing account balances - name: FX description: APIs for managing foreign exchange rates - name: Resources description: Resource APIs to access and manage foundational data - name: Virtual Accounts description: APIs for managing virtual accounts paths: /v1/users/{userId}/virtual-accounts: post: tags: - Virtual Accounts summary: Create Virtual Account description: Create a new virtual account for a user parameters: - $ref: '#/components/parameters/userId' - $ref: '#/components/parameters/XMultiTenantKey' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateVirtualAccountRequest' examples: virtualAccountRequest: summary: >- Example virtual account creation request. Use `99999900` as customIdentification.number for automatic account creation value: currency: USD customIdentification: type: ssn number: 123-45-6789 jobInformation: employerName: Acme Corp address: line1: 123 Main St city: Anytown postalCode: '12345' state: CA countryCode: US employerWebsite: '' title: Software Engineer type: full-time netPay: amount: 10000 currency: USD frequency: monthly contractStartDate: '2021-01-01' contractEndDate: '2025-05-06' suppressNotification: true responses: '204': description: Successful operation '400': $ref: '#/components/responses/BadRequestError' 5XX: $ref: '#/components/responses/InternalError' components: parameters: userId: name: userId in: path description: The unique identifier for the user required: true schema: type: string format: uuid example: c06f3427-3bbe-4d70-9a54-28acda267e48 XMultiTenantKey: name: X-MultiTenantKey in: header required: false schema: type: string description: >- Required when using a Platform API token. The tenant key identifying which business to operate on. schemas: CreateVirtualAccountRequest: type: object required: - currency - jobInformation properties: currency: type: string description: ISO 4217 currency code for the virtual account example: USD customIdentification: $ref: '#/components/schemas/CustomIdentification' jobInformation: $ref: '#/components/schemas/JobInformation' suppressNotification: type: boolean description: >- Whether to suppress notifications for this virtual account, defaults to false example: true CustomIdentification: type: object required: - type - number properties: type: type: string enum: - ssn - bvn description: Type of identification example: ssn number: type: string description: The identification number example: 123-45-6789 JobInformation: type: object required: - employerName - address - title - type - netPay - frequency - contractStartDate properties: employerName: type: string description: Name of the employer example: Tesla address: $ref: '#/components/schemas/address' employerWebsite: type: string description: Website of the employer (optional) example: '' title: type: string description: Job title example: Software Engineer type: type: string enum: - contract - full-time - part-time description: Type of employment example: full-time netPay: $ref: '#/components/schemas/Amount' frequency: type: string enum: - weekly - daily - monthly - hourly description: Payment frequency example: monthly contractStartDate: type: string format: date description: Start date of the contract example: '2021-01-01' contractEndDate: type: string format: date description: End date of the contract (optional) example: '2025-05-06' BadRequestError: description: Bad input provided by client allOf: - $ref: '#/components/schemas/Error' - type: object properties: params: description: A map for meta data around the error that occurred type: object example: code: invalid_request_body message: The request body provided is not valid params: field: Value is invalid. InternalError: description: Internal server error allOf: - $ref: '#/components/schemas/Error' example: code: internal_error message: An unexpected error occurred. Please try again later. address: type: object required: - line1 - city - postalCode - state - countryCode properties: line1: type: string description: Address line 1 example: Lane 1 line2: type: string description: Address line 2 example: Apt 1 city: type: string description: The city of the address example: Gotham City postalCode: type: string description: The postal code example: '10001' state: type: string description: The state for the address example: NY countryCode: type: string description: ISO 3166-1 alpha-2 country code example: US Amount: type: object required: - amount - currency properties: amount: type: integer description: Value in lowest denomination of the currency (e.g., cents) example: 100000 currency: type: string description: ISO 4217 currency code example: COP Error: type: object properties: code: description: A machine parsable error code type: string enum: - invalid_request_body - resource_not_found - forbidden - internal_error message: description: A human readable message describing the error type: string responses: BadRequestError: description: Bad input provided by client content: application/json: schema: $ref: '#/components/schemas/BadRequestError' InternalError: description: Internal error content: application/json: schema: $ref: '#/components/schemas/InternalError' securitySchemes: Authorization: type: http scheme: bearer bearerFormat: API_SECRET_KEY ````