Virtual Accounts

Fund worker wallets via dedicated ACH accounts

Virtual accounts let you provision unique ACH routing and account numbers for each worker’s wallet. External parties (employers, clients, platforms) can fund wallets directly via ACH credit — no payroll required.

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Prerequisites

1. Worker wallet set up

   The worker must have a User account with a provisioned wallet. See Set Up Worker Wallets.

2. KYC approved

   Both identity and address KYC must be approved before you can provision a virtual account. See KYC Verification.

3. Virtual accounts enabled

   Work with your account manager to enable virtual accounts for your platform.

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Create a Virtual Account

Once KYC is approved, provision a virtual account for the worker’s wallet.

The account is created in a Requested state. Cadana submits it to the bank for processing, and it moves to Approved once provisioning is complete.

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Retrieve Account Details

Fetch the virtual account details including the routing and account numbers.

Response:

{
  "data": [
    {
      "id": "a1b2c3d4-e5f6-7890-abcd-ef0123456789",
      "currency": "USD",
      "status": "Approved",
      "accountInformation": {
        "accountNumber": "9876543210",
        "routingNumber": "000000000",
        "bankName": "Example Bank",
        "accountName": "John Doe",
        "bankCode": "000000000",
        "countryCode": "US",
        "accountType": "checking"
      },
      "createdTimestamp": 1690339130,
      "lastUpdatedTimestamp": 1690339230
    }
  ]
}

Field	Description
accountInformation.accountNumber	Unique account number for ACH credits
accountInformation.routingNumber	Bank routing number
accountInformation.bankName	Name of the custodial bank
status	Requested, Approved, Rejected, or Deactivated

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Fund the Wallet

Once the virtual account is Approved, external parties can send ACH credits to the account number. Funds appear in the worker’s wallet once the transfer settles (typically 1–3 business days for ACH).

Sandbox testing

In sandbox mode, simulate a deposit to test the funding flow without a real ACH transfer.

Returns 204 on success. The deposit is reflected in the worker’s wallet balance immediately.

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Webhook Events

Subscribe to virtual account events for real-time status updates:

Event	Description
virtual-account.requested	Virtual account is in review
virtual-account.submitted	Sent to bank for processing
virtual-account.created	Account is active with full account information

See Events for webhook payloads and Webhooks to configure your endpoint.

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Supported Countries

Restricted

Virtual account services are available for these jurisdictions with additional monitoring and controls.

Country	ISO Code	US ACH/FedWire
Aland Islands	ALA	Yes
Angola	AGO	Yes
Antarctica	ATA	Yes
Barbados	BRB	Yes
Benin	BEN	Yes
Bolivia	BOL	Yes
Bouvet Island	BVT	Yes
British Indian Ocean Territory	IOT	Yes
Bulgaria	BGR	Yes
Burkina Faso	BFA	Yes
Cabo Verde	CPV	Yes
Cambodia	KHM	Yes
Cameroon	CMR	Yes
Central African Republic	CAF	Yes
Chad	TCD	Yes
Christmas Island	CXR	Yes
Cocos (Keeling) Islands	CCK	Yes
Comoros	COM	Yes
Congo	COG	Yes
Cook Islands	COK	Yes
Cote d’Ivoire	CIV	Yes
Djibouti	DJI	Yes
Equatorial Guinea	GNQ	Yes
Eritrea	ERI	Yes
Eswatini	SWZ	Yes
Ethiopia	ETH	Yes
Falkland Islands	FLK	Yes
Faroe Islands	FRO	Yes
French Southern Territories	ATF	Yes
Gabon	GAB	Yes
Gibraltar	GIB	Yes
Guinea	GIN	Yes
Heard Island and McDonald Islands	HMD	Yes
Indonesia	IDN	Yes
Jamaica	JAM	Yes
Kiribati	KIR	Yes
Kuwait	KWT	Yes
Kyrgyzstan	KGZ	Yes
Lao PDR	LAO	Yes
Lesotho	LSO	Yes
Liberia	LBR	Yes
Madagascar	MDG	Yes
Maldives	MDV	Yes
Mali	MLI	Yes
Mauritania	MRT	Yes
Monaco	MCO	Yes
Montserrat	MSR	Yes
Namibia	NAM	Yes
Nigeria	NGA	Yes
Norfolk Island	NFK	Yes
Palau	PLW	Yes
Panama	PAN	Yes
Papua New Guinea	PNG	Yes
Philippines	PHL	Yes
Pitcairn	PCN	Yes
Saint Helena, Ascension and Tristan da Cunha	SHN	Yes
Saint Kitts and Nevis	KNA	Yes
Sao Tome and Principe	STP	Yes
Senegal	SEN	Yes
Sierra Leone	SLE	Yes
Solomon Islands	SLB	Yes
South Africa	ZAF	Yes
South Georgia and the South Sandwich Islands	SGS	Yes
Sri Lanka	LKA	Yes
Suriname	SUR	Yes
Svalbard and Jan Mayen	SJM	Yes
Tajikistan	TJK	Yes
Tanzania	TZA	Yes
Thailand	THA	Yes
Togo	TGO	Yes
Tokelau	TKL	Yes
Tonga	TON	Yes
Trinidad & Tobago	TTO	Yes
Turkey	TUR	Yes
Turkmenistan	TKM	Yes
Tuvalu	TUV	Yes
Uganda	UGA	Yes
United Arab Emirates	ARE	Yes
United States Minor Outlying Islands	UMI	Yes
Vanuatu	VUT	Yes
Vietnam	VNM	Yes
Virgin Islands (British)	VGB	Yes
Western Sahara	ESH	Yes

Standard

Virtual account services are available for these jurisdictions with regular monitoring and controls.

Country	ISO Code	US ACH/FedWire
Albania	ALB	Yes
American Samoa	ASM	Yes
Andorra	AND	Yes
Anguilla	AIA	Yes
Antigua and Barbuda	ATG	Yes
Argentina	ARG	Yes
Armenia	ARM	Yes
Aruba	ABW	Yes
Australia	AUS	Yes
Austria	AUT	Yes
Azerbaijan	AZE	Yes
Bahamas	BHS	Yes
Bahrain	BHR	Yes
Belgium	BEL	Yes
Belize	BLZ	Yes
Bermuda	BMU	Yes
Bonaire, Sint Eustatius and Saba	BES	Yes
Bosnia-Herzegovina	BIH	Yes
Botswana	BWA	Yes
Brazil	BRA	Yes
Brunei Darussalam	BRN	Yes
Canada	CAN	Yes
Cayman Islands	CYM	Yes
Chile	CHL	Yes
Colombia	COL	Yes
Costa Rica	CRI	Yes
Croatia	HRV	Yes
Curacao	CUW	Yes
Cyprus	CYP	Yes
Czechia	CZE	Yes
Denmark	DNK	Yes
Dominica	DMA	Yes
Dominican Republic	DOM	Yes
Ecuador	ECU	Yes
Egypt	EGY	Yes
El Salvador	SLV	Yes
Estonia	EST	Yes
Fiji	FJI	Yes
Finland	FIN	Yes
France	FRA	Yes
French Guiana	GUF	Yes
French Polynesia	PYF	Yes
Gambia	GMB	Yes
Georgia	GEO	Yes
Germany	DEU	Yes
Ghana	GHA	Yes
Greece	GRC	Yes
Greenland	GRL	Yes
Grenada	GRD	Yes
Guadeloupe	GLP	Yes
Guam	GUM	Yes
Guatemala	GTM	Yes
Guernsey	GGY	Yes
Guyana	GUY	Yes
Holy See	VAT	Yes
Honduras	HND	Yes
Hong Kong	HKG	Yes
Hungary	HUN	Yes
Iceland	ISL	Yes
India	IND	Yes
Ireland	IRL	Yes
Isle of Man	IMN	Yes
Israel	ISR	Yes
Italy	ITA	Yes
Japan	JPN	Yes
Jersey	JEY	Yes
Jordan	JOR	Yes
Kazakhstan	KAZ	Yes
Korea (Republic of)	KOR	Yes
Latvia	LVA	Yes
Liechtenstein	LIE	Yes
Lithuania	LTU	Yes
Luxembourg	LUX	Yes
Macau	MAC	Yes
Malawi	MWI	Yes
Malaysia	MYS	Yes
Malta	MLT	Yes
Marshall Islands	MHL	Yes
Martinique	MTQ	Yes
Mauritius	MUS	Yes
Mayotte	MYT	Yes
Mexico	MEX	Yes
Micronesia	FSM	Yes
Moldova	MDA	Yes
Mongolia	MNG	Yes
Montenegro	MNE	Yes
Nauru	NRU	Yes
Netherlands	NLD	Yes
New Caledonia	NCL	Yes
New Zealand	NZL	Yes
Niue	NIU	Yes
Northern Mariana Islands	MNP	Yes
Norway	NOR	Yes
Oman	OMN	Yes
Paraguay	PRY	Yes
Peru	PER	Yes
Poland	POL	Yes
Portugal	PRT	Yes
Puerto Rico	PRI	Yes
Reunion	REU	Yes
Romania	ROU	Yes
Rwanda	RWA	Yes
Saint Barthelemy	BLM	Yes
Saint Lucia	LCA	Yes
Saint Martin (French part)	MAF	Yes
Saint Pierre and Miquelon	SPM	Yes
Saint Vincent and the Grenadines	VCT	Yes
Samoa	WSM	Yes
San Marino	SMR	Yes
Saudi Arabia	SAU	Yes
Serbia	SRB	Yes
Seychelles	SYC	Yes
Singapore	SGP	Yes
Sint Maarten	SXM	Yes
Slovakia	SVK	Yes
Slovenia	SVN	Yes
Spain	ESP	Yes
Sweden	SWE	Yes
Switzerland	CHE	Yes
Taiwan	TWN	Yes
Timor-Leste	TLS	Yes
Tunisia	TUN	Yes
Turks and Caicos Islands	TCA	Yes
United Kingdom	GBR	Yes
United States of America	USA	Yes
Uruguay	URY	Yes
Uzbekistan	UZB	Yes
Virgin Islands (U.S.)	VIR	Yes
Wallis and Futuna	WLF	Yes
Zambia	ZMB	Yes

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Next Steps

Set Up Worker Wallets

Create Users and complete KYC

Payout

Send funds from wallets to beneficiaries

Payments API Reference

Virtual accounts API documentation