The reconciliation problem
When many customers pay into a single account, the bank statement rarely tells you cleanly who paid for what. Teams spend hours matching payments to invoices using partial references and customer names.
How virtual IBANs solve it
Issue each customer, invoice, or sub-account its own virtual IBAN. When a payment arrives, the IBAN itself identifies the payer — reconciliation becomes a deterministic lookup, not a guessing game.
Typical use cases
Marketplaces splitting funds across thousands of sellers; SaaS platforms collecting subscriptions in multiple currencies; property managers receiving rent from many tenants; treasury teams operating with many subsidiaries.
Getting started
With qeam.net you can issue virtual IBANs through the dashboard or programmatically via API, with each vIBAN automatically tagged to a customer or invoice in your system.