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Every time a customer transfers funds to a Virtual Account number, Singapay creates a VA Transaction record. This API lets you list, filter, and inspect those records for reconciliation, settlement tracking, and customer support.

Per-payment records

Every bank transfer to a VA creates its own transaction entry with status, amount, and timing.

Full fee breakdown

Each record shows vendor fee, platform margin, and net amount received — ready for accounting.

Query by VA number

Retrieve all transactions for a specific VA number directly, without filtering by account.

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Relationship with Virtual Account

A Virtual Account is the parent — the unique payment instrument with a VA number. Every time a customer pays into it, a VA Transaction child record is created.
Example: VA 8890-1234-5678 (Permanent VA for Customer A)One Virtual Account → multiple independent transaction records over time.

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Transaction lifecycle

1

Payment received

Customer transfers funds to the VA number via ATM, mobile banking, or internet banking. The bank sends a payment notification to Singapay.
2

Transaction created

A VA Transaction record is created immediately with status unpaid.
3

Processing

Singapay validates the payment amount, checks for duplicates, and verifies all payment details.
4

Reconciliation

The transaction is reconciled by the finance system. Status updates to paid.
5

Settlement

Funds are settled to your account (bank or Singapay Balance) based on your configured settlement method.

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Transaction status

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Important notes

Beyond listing all transactions for an account, you can query transactions directly by VA number using the dedicated endpoint — useful when you have the VA number from a customer inquiry but not the internal ULID.
Monitor each transaction through its full lifecycle: unpaid → paid → settled. Use webhook notifications to get real-time updates instead of polling.
Every transaction record includes the vendor fee, platform margin, and net amount received — broken down clearly for accounting and reconciliation purposes.
Configure webhooks to receive real-time va-transaction events the moment a payment is confirmed — no need to poll the API. See the Webhook documentation for setup details.
Query transactions by transaction_id, va_number, status, amount range, settlement status, or timestamp ranges (post_timestamp, processed_timestamp, settle_at). Default sort is newest first.
Transaction records are retained for 1 year. Data older than 1 year is archived and may not be accessible via the API.

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Available endpoints

List VA Transactions

Paginated list of all VA transactions for an account with full filter support.

Get VA Transaction Detail

Retrieve a single transaction by its business transaction_id.

List by VA Number

All transactions for a specific VA number, bypassing account-level filtering.
All endpoints require authentication. See Authentication.