How VBA gets created automatically for ACH/SEPA credit transfer via Stripe?

This article covers

How VBA (Virtual Bank Account) gets created automatically for ACH/SEPA credit transfer via Stripe?

Prerequisites for VBA to get created automatically for ACH/SEPA credit transfer via Stripe?

Summary

Chargebee auto-generates virtual bank accounts in Stripe when there is a Payment Due, Posted, Not Paid invoice is created for a customer.

When customers are created, 'Email' and 'Country' (US) attributes will be mandatory. Make sure those fields are entered correctly.

Solution

A virtual bank account is a unique account number which is generated so you don't need to share your sensitive bank account details with your users. A virtual bank account can be paid with ACH credit or wire transfer. Users can make payment of the amount due to this account, and the amount will be matched with the invoice.

• Stripe creates a virtual bank account (linked to your bank account) for each of your customers using your customer's email address

• If a customer already has an online payment method on file, a virtual bank account will not be created automatically. However, you can still create one for the customer using the API or bulk operations. This behavior applies to all customers added or updated after November 21, 2025.

• Customers will receive account details instead of your actual bank account details

• Customers can transfer the payment to this virtual bank account

• This eases the process of reconciliation in Chargebee

Chargebee auto-generates virtual bank accounts in Stripe when there is a Payment Due, Posted, Not Paid invoice is created for a customer.

When customers are created, 'Email' and 'Country' attributes will be mandatory.

Email address is linked to the customer and used to create a Virtual bank account.

Country field is not mandated by Stripe, but Stripe has made this feature applicable for US customers, so we make sure that we generate virtual bank accounts only if the customer is from US.