Virtual Accounts

The Challenge

Inswitch Wallet with Core Banking es una solución end-to-end para cuentas de valor (stored-value accounts), operaciones en tiempo real y experiencias de usuario fluidas en múltiples mercados, todo sobre una plataforma basada en API.
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Payments arrive without clear identification

Reconciliation becomes manual and time-consuming

Treasury teams lack real-time visibility

Scaling operations introduces operational friction

For exchanges, ecommerce companies, fintechs, and cross-border payment operators, this creates inefficiencies that directly impact growth.

LanZA productos basados en wallets con Core Banking en cuestión de semanas.

We enable businesses to assign a unique virtual account to every payer, customer, or transaction, ensuring every incoming payment is instantly identified, structured, traceable, and fully compliant with local regulations.
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Unlike standard payment processors, we operate on our own core banking infrastructure and banking partner network, enabling configurable payment rules and greater operational control.
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Funds are still centralized. But visibility becomes granular.
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Every payment is automatically identified, validated, and reconciled in real time.
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Key Capabilities

Unique account per user or
transaction

Assign individualized virtual accounts for precise tracking

Real-time payment processing

Receive funds instantly through local payment rails.

Automated reconciliation

Automatically match incoming payments without manual intervention.

Validation controls

Validate sender information, transaction limits, and rules before accepting funds.

Centralized fund management

All funds are settled into a master account for optimized treasury operations.

Multi-party settlement support

Enable complex payment flows such as marketplaces or platforms.

How Virtual Accounts
Improve Your
Payment
Operations

Clarity at Scale

Know exactly who paid and why, across thousands or millions of transactions.

Operational Efficiency

Remove manual reconciliation and reduce operational costs.

Real-Time Control

Monitor liquidity and transaction flows at a granular level.

Frictionless Growth

Scale your financial operations without increasing complexity.

Built for Complex Payment Ecosystems

Virtual Accounts are designed for businesses operating across multiple markets and managing high-volume payment flows:
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Ecommerce platforms collecting payments across LATAM

Marketplaces managing seller collections

Cross-border operators and exporters

Exchanges and crypto platforms

Fintechs and payment aggregators

Enterprises optimizing treasury structures

Platforms handling high-volume collections

Movantis Virtual Accounts Coverage

Our Virtual Accounts are available across key markets in Latin America, with expansion into new countries.

Mexico

Argentina

Brazil

Chile

Colombia

Peru

Leverage local payment rails and account structures in each country, while operating through a single, unified infrastructure.

Fast, enterprise-ready enablement

Go live with Virtual Accounts in 4-8 weeks, supported by our API-driven platform, core banking infrastructure, and banking partner network.

Certificado y compatible

Illustration of a stopwatch with the number 2 inside the dial.

MSB 
Licenses (US)

Regular
External Audits

FAQs

1. How is a Virtual Account different from a traditional bank account or a standard payment processor?
A traditional bank account centralizes funds but cannot automatically identify the origin of each payment. A standard payment processor confirms that money arrived, but not who sent it or for which specific transaction. Our Virtual Accounts assign a unique identifier per payer or transaction, built on proprietary core banking infrastructure, enabling configurable validation rules, real-time automated reconciliation, and granular visibility, all from a single platform.

2. Do funds get fragmented across multiple virtual accounts?
No. Virtual Accounts are logical identifiers, not separate physical accounts. Funds are consolidated into your main account through a centralized treasury structure, while every individual payment remains traced, tagged, and reconciled. You get granular visibility without losing control over total liquidity.

3. How long does integration take, and how complex is it?
Go-live is typically 30 to 60 days, depending on your platform's operational complexity. Integration is API-first, meaning virtual accounts can be assigned programmatically with no manual processes. We provide enterprise-grade implementation support throughout the entire onboarding journey.

4. Which markets and payment rails are supported?
Our Virtual Accounts are live across six key LATAM markets: Mexico, Argentina, Brazil, Peru, Colombia, and Chile, leveraging local payment rails and account structures in each country. All of this operates through a single unified infrastructure, eliminating the need to manage multiple regional integrations separately.

5. Is this solution only relevant for fintechs, or can traditional enterprises use it too?
Both. While fintechs, exchanges, and payment aggregators are natural fits, Virtual Accounts deliver significant value for any business managing high-volume collections: ecommerce platforms, cross-border operators, marketplaces, and enterprises looking to optimize treasury structures. If your operation involves thousands of incoming payments that need to be identified and reconciled at scale, this is built for you.

Somos un proveedor de tecnología financiera integrada que ofrece soluciones a través de API para nuestros clientes, procesadores y socios bancarios.

Inswitch Solutions Inc (y sus empresas afiliadas) es un proveedor global de tecnología; los servicios descritos en este sitio web pueden ser prestados directamente por cualquiera de las entidades de Inswitch o, cuando corresponda, a través de terceros proveedores debidamente autorizados y/o licenciados conforme a la normativa financiera aplicable en cada jurisdicción, según aplique. La disponibilidad de los servicios, su alcance, así como las responsabilidades operativas y regulatorias correspondientes en cada país, se definirán en los contratos suscritos con cada cliente y estarán sujetas a los requisitos legales aplicables.
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