> ## 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.

# MCA Overview

> What Merchant Collection Accounts are, how they work, and how to integrate them.

## What is MCA?

**Merchant Collection Accounts (MCA)** are virtual bank accounts provisioned by PayGlocal that allow merchants to receive international payments in multiple currencies — USD, EUR, GBP, AUD, and more — directly into accounts held in those countries.

Instead of asking foreign customers to make a cross-border wire, your merchant shares a local bank account in the customer's currency and country. The customer pays locally; PayGlocal handles settlement back to the merchant in INR.

***

## How It Works

<CardGroup cols={3}>
  <Card title="1. Global Accounts Assigned" icon="bank" color="#1A6FE8">
    After a merchant is fully onboarded and activated, PayGlocal assigns virtual bank accounts across enabled currencies. Each account has local routing details (ABA, BSB, Sort Code, etc.).
  </Card>

  <Card title="2. Merchant Shares Details" icon="share-nodes" color="#10B981">
    The merchant shares the relevant account details with their overseas buyer. The buyer sends a local bank transfer — no SWIFT fees, no cross-border friction.
  </Card>

  <Card title="3. PayGlocal Settles" icon="arrows-rotate" color="#F59E0B">
    PayGlocal receives the funds, collects a supporting invoice from the partner, and settles the INR equivalent to the merchant's bank account.
  </Card>
</CardGroup>

***

## Integration Overview

As a partner, your integration involves three surfaces:

| Surface             | What you do                                                                                                                    |
| ------------------- | ------------------------------------------------------------------------------------------------------------------------------ |
| **Account Fetch**   | After merchant activation, call the API to retrieve their assigned virtual account details and surface them in your dashboard. |
| **Webhooks**        | Listen for lifecycle events — fund receipt, settlement, FIRC — to keep your system in sync without polling.                    |
| **Document Upload** | When funds arrive, upload the supporting invoice so PayGlocal can process settlement.                                          |

***

## Transaction Lifecycle

```
Customer sends funds to virtual account
              │
              ▼
    DOCUMENT_PENDING ──── partner uploads invoice
              │
              ▼
    SENT_FOR_SETTLEMENT
              │
              ▼
           SETTLED
              │
              ▼
       FIRC_RECEIVED
```

| Status                | What it means                                                                            |
| --------------------- | ---------------------------------------------------------------------------------------- |
| `DOCUMENT_PENDING`    | Funds received into the virtual account; PayGlocal is waiting for the supporting invoice |
| `SENT_FOR_SETTLEMENT` | Invoice accepted; transaction is being processed for settlement                          |
| `SETTLED`             | Funds settled to the merchant's INR bank account                                         |
| `FIRC_RECEIVED`       | Foreign Inward Remittance Certificate generated and available                            |

***

## Guides

<CardGroup cols={3}>
  <Card title="Fetch Account Details" icon="bank" href="/mca/account-fetch">
    Retrieve the virtual account details assigned to an onboarded merchant.
  </Card>

  <Card title="Webhook Events" icon="bell" href="/mca/webhooks">
    Handle lifecycle notifications for fund receipt, settlement, and FIRC.
  </Card>

  <Card title="Upload Documents" icon="file-arrow-up" href="/mca/document-upload">
    Generate a presigned URL and upload the supporting invoice.
  </Card>
</CardGroup>