> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-881012b3.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# FAQs

> Questions frequently asked on Smart Collect.

<div style={{display:"flex",flexWrap:"wrap",alignItems:"center",gap:"0.35rem 0.9rem",border:"1px solid rgba(128,128,128,0.28)",borderRadius:"0.5rem",padding:"0.45rem 0.75rem",margin:"0 0 1.25rem",fontSize:"0.875rem"}}>
  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
</div>

1. **How can a customer make a payment to a Smart Collect virtual bank account or UPI ID?**

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The customer can make a transaction to the bank account via a simple NEFT, RTGS or IMPS transaction from their preferred internet banking portal.

In case of a virtual UPI ID, the customer can add the UPI ID in their UPI PSP (Payment Service Provider) app and make a payment.

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1. **Can a customer make payment to a virtual bank account via an offline transaction?**

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Yes, customers can visit their bank and fill out an RTGS form, or a NEFT challan with the beneficiary details provided by Razorpay and initiate a transfer from their account.

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<Info>
  **Note**:
  Customers cannot deposit cash into a virtual bank account. Only NEFT, RTGS or IMPS transactions are permitted.
</Info>

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1. **What does a Smart Collect virtual bank account look like?**
   <br />Exactly like a normal account! Here's an example:

<br />

<Check>
  **Account Number**

  **IFSC**: RAZR0000001 <br />
  **Name**: Acme Corporation
</Check>

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1. **What does a Smart Collect virtual UPI ID look like?**
   <br />Like a normal virtual payment address! Here's an example:

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<Check>
  **UPI ID**: rpy.payto00000gaurikumari\@icici
</Check>

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1. **What name will be associated with a Smart Collect virtual account?**

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Your merchant billing label will be used as the name on your virtual account.

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1. **What happens if a customer makes an NEFT, RTGS, IMPS or UPI payment to a `Closed` virtual account?**\
   Once the virtual account is `Closed`, we will automatically refund all payments back to the source. Refunds are generally processed within 1 business day via the same mode used by the customer.

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1. **Can I pass a dynamic merchant identifier via API?**
   <br />Currently, this feature is not available.

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1. **Is third party validation possible for payments via Smart Collect?**
   <br />Payer bank account details are made available in the webhook and reports. As a merchant, you can choose to refund the payment if payer bank account details are not from a KYC verified account.

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1. **Can I create virtual accounts in bulk?**
   <br />Yes, you can create virtual accounts in bulk. To do this, please contact our [support team](https://razorpay.com/support/#request).

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1. **How to close a virtual account?**
   <br />A virtual account can be closed in two ways:
   * Automatically, by using the `close_by` option at the time of virtual account creation, via Dashboard or API.
   * Manually, from the Dashboard or using the API.
     <br />Once a virtual account is in closed state, customers cannot make payments to that account.