Virtual IBAN
A Virtual IBAN (vIBAN) is a unique IBAN that routes incoming payments into a single underlying master account while preserving the identity of the payer, enabling automated reconciliation at scale.
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Key Features
Unlimited issuance
Issue vIBANs programmatically per customer, invoice, or sub-account.
Automated reconciliation
Inbound funds are tagged to the payer based on the vIBAN used.
Real-time webhooks
Subscribe to payment events as they arrive in the master account.
Multi-currency
Issue vIBANs in EUR and other supported currencies.
API-first
Create, label, and retire vIBANs through documented REST endpoints.
Built-in compliance
Inbound payments are screened the moment they land.
Who Is It For?
Marketplaces
- ✓ Seller settlements
- ✓ Escrow flows
- ✓ Buyer collections
SaaS platforms
- ✓ Subscription billing
- ✓ Per-tenant accounting
- ✓ Usage settlements
Treasury teams
- ✓ Subsidiary collections
- ✓ Inter-company tagging
- ✓ Property rent receipts
How It Works
- 1
Open a master account
Set up your underlying corporate IBAN with qeam.net.
- 2
Issue vIBANs via API
Generate unique IBANs and tag them to customers or invoices.
- 3
Receive and reconcile
Funds land in your master account, automatically attributed to the payer.
Benefits
Hours saved
Eliminate manual matching of payment references to invoices.
Better cash visibility
Know exactly who has paid in real time.
Scales with you
Issue as many vIBANs as you need with no per-IBAN ceiling.
Without vs With qeam.net
Without qeam.net
- • Manual reconciliation
- • Unclear payer identity
- • Slow customer cash application
- • Limited automation
With qeam.net
- ✓ Automated payer attribution
- ✓ Real-time reconciliation
- ✓ Webhook-driven flows
- ✓ API-native operations
Frequently Asked Questions
Open Your Virtual IBAN Today
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