> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payglocal.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Fetching Account Details

> How to retrieve the global virtual accounts assigned to an activated merchant.

## Overview

Once a merchant completes onboarding and is activated by PayGlocal, one or more **global virtual accounts** are provisioned for them — one per enabled currency. These accounts are what the merchant shares with their overseas customers to receive payments.

As a partner, you call the Account Fetch API to retrieve these details and surface them in your own dashboard or send them to the merchant.

***

## When to Call This

* After you receive confirmation that a merchant's onboarding status is `APPROVED`
* When a merchant requests to view or refresh their account details
* When you need to display account details in your partner dashboard

<Note>
  Calling this endpoint for a merchant whose onboarding is still in progress will return HTTP 401. Only call it once you have confirmed the merchant is activated.
</Note>

***

## What You Get Back

The response is organised by **collection label** (a label PayGlocal assigns during provisioning, for example `general`) and within each label by **currency code**.

For each account you receive:

| Detail                            | What to show the merchant                                              |
| --------------------------------- | ---------------------------------------------------------------------- |
| `accountNumber`                   | The account number to share with their customer                        |
| `accountHolderName`               | The name their customer should address the transfer to                 |
| `bankName` + `bankAddress`        | The bank receiving the funds                                           |
| `routingCode` + `routingCodeType` | The routing number (ABA for USD, BSB for AUD, Sort Code for GBP, etc.) |
| `currency`                        | The currency of this account                                           |

***

## Example: Displaying USD Account Details

If your merchant has a USD collection account, the account block looks like this:

```json theme={null}
{
  "accountNumber": "XXXXXXXXXX4490",
  "accountHolderName": "Acme Exports",
  "bankName": "Citibank, N.A.",
  "bankAddress": "One Penns Way, New Castle, DE 19720",
  "bankCountry": "US",
  "currency": "USD",
  "routingCode": "31100209",
  "routingCodeType": "ABA Number"
}
```

Your merchant would share this with a US-based customer who can then initiate a domestic ACH or wire transfer.

***

## Routing Codes by Currency

Different currencies use different routing code types. Here is what to expect:

| Currency | Routing Code Type | Example   |
| -------- | ----------------- | --------- |
| USD      | ABA Number        | 031100209 |
| GBP      | Sort Code         | 20-00-00  |
| EUR      | BIC / IBAN        | CITIUS33  |
| AUD      | BSB Number        | 252000    |

***

## What to Do with This Data

1. **Store it** — Cache the account details in your system so you can display them without making a live API call every time.
2. **Display it** — Show the merchant their collection accounts per currency in a readable format.
3. **Refresh on demand** — Allow merchants to refresh in case details change (account provisioning updates).

For the full API spec and interactive playground, see [Fetch Virtual Accounts](/api-reference/mca/account-fetch).