Getting started with your Virtual Account (Static or Dynamic)

Keeping your business running smoothly means making it easy for customers to pay you. One tool that simplifies this process is the virtual account, a flexible way to accept transfers without relying on a traditional bank setup.

At Zest, we provide two types of virtual accounts to help you manage payments with ease: Static and Dynamic. Each is designed to support different parts of your payment process, and both are easy to start using today.

This quick guide will help you:

• Understand what virtual accounts are and how they work

• Set up a static virtual account from your dashboard

• Start accepting payments automatically through dynamic virtual accounts

• Know when and where each type fits into your payment flow

A virtual account is a unique bank account number linked to your business. Customers can transfer payments to it just like any regular account, but behind the scenes, it gives you more control, better organisation, and enhanced tracking.

There’s no need to visit a bank; virtual accounts are created and managed entirely online, with options that adapt to how you run your business.

A static virtual account is a fixed account number you can share with customers for ongoing payments. It stays the same over time and is ideal for businesses with repeat transactions or regular clients.

How to activate it:

• Log in to your Zest Merchant Dashboard

• Navigate to your virtual account settings

• Click “Activate Static Account”

• Share the account number with customers as needed

Best for:

• Subscription services

• Businesses that receive bank transfers directly

• Merchants who prefer a consistent payment destination

Once it’s active, you can use it any time, no extra steps required.

Dynamic virtual accounts are temporary, one-time account numbers created during each customer transaction. They’re generated automatically when a customer chooses to pay by bank transfer, whether online, via your POS, or through API.

1. Your customer selects “Transfer” as their payment method.

2. Zest instantly generates a unique dynamic account for that specific transaction.

3. The customer makes a transfer to the account.

4. Once payment is complete, the account expires.

You don’t need to generate dynamic accounts manually, they’re part of the Zest checkout process, built into:

• Your eCommerce storefront

• Your POS terminals

• Any API integration using bank transfers

Dynamic accounts help streamline reconciliation, prevent errors, and provide secure, trackable payment sessions without extra input from your team.

You don’t have to choose one or the other, many Zest merchants benefit from using both:

• Static accounts for regular transfers and simple customer instructions

• Dynamic accounts for real-time, trackable transactions during checkout

Whether you’re collecting from repeat clients or managing high-volume sales, virtual accounts help you keep payment operations simple and efficient.

Absolutely. Use your static account as a standard payment option and let dynamic accounts run automatically during POS or online checkout.

The payment will fail, and the customer will be asked to try again with a new payment link. Dynamic accounts are secure and single-use only.

No setup needed. Dynamic accounts are generated automatically during qualifying transactions.

Managing business payments doesn’t need to be complicated. With Zest, you can activate a static virtual account in minutes and start accepting dynamic transfer payments without lifting a finger.

Log in to your Zest Dashboard to activate your static account or keep selling and let dynamic accounts handle the rest.