---
title: "Create unique reference"
method: POST
path: "/virtual-accounts"
---

# Create unique reference

`POST /virtual-accounts`

This service generates unique references for virtual account payments.

## Query parameters

- `country` string, required
- `payment_method_id` string, required
- `payer` object
  - `name` string — User's full name.</br></br>Length: 100.
  - `user_reference` string, required — Unique user ID at the merchant side. </br></br>Length: 125.
  - `email` string, required — User’s email address.</br></br>Length: 100.</br>India-compliant length: 64 max for the username (e.g., in `gaurav.kumar@example.com`, "gaurav.kumar" must not exceed 64 characters).
  - `phone` string, required — User’s phone. Mandatory for Wallets in India. </br></br>Length: 20.</br>India-compliant length: 15 max (e.g., +919123456780).
  - `document` string, required — User’s personal identification number.</br></br>To see the document code list per country, go to the [Country Reference page](https://docs.dlocal.com/reference/country-reference).</br></br>Length: 30.
- `external_reference` string, required

## Response `200`

200

- object
  - `id` string
  - `country` string
  - `created_date` string
  - `status` string
  - `status_detail` string
  - `status_code` string
  - `external_reference` string
  - `virtual_account` object
    - `bank_code` string
    - `branch_code` string
    - `bank_account` string
  - `payer` object
    - `name` string
    - `user_reference` string
    - `email` string
    - `phone` string
    - `document` string

## Other responses

- `400` — 400

---

[API](https://skmtc.net/dlocal/apis/payins.md) · [All operations](https://skmtc.net/dlocal/apis/payins/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/dlocal/payins/versions/d87e090020f9/schema)