> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-60c89f9a-mintlify-audit-missing-sections-1778528421.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Smart Collect

> You can create Customer Identifiers using the Smart Collect APIs to accept large payments from your customers in the form of bank transfers via NEFT, RTGS and IMPS.

<Info>
  **Handy Tips**
</Info>

* If you are a new customer, explore [Smart Collect 2.0](/api/payments/smart-collect-2) . It uses the same APIs as **Smart Collect**, while also offering additional endpoints—such as creating a Customer Identifier with a VPA and bank account, fetching UPI payments, and adding a VPA Receiver to an existing Customer Identifier.
* You can also **Add an Allowed Payer** or **Delete an Allowed Payer** using [Smart Collect TPV](/api/payments/smart-collect-tpv)  APIs.

Fork the Razorpay Postman Public Workspace and try the Smart Collect APIs using your [Test API Keys](/api/authentication#generate-api-keys).

[](https://www.postman.com/razorpaydev/workspace/razorpay-public-workspace/folder/12492020-9fd01f11-0b59-4e97-a281-40f4b14277ec)

### Related Guides

[About Smart Collect](/payments/smart-collect)
[Set Up Webhooks](/webhooks/setup-edit-payments)
[Webhook Payloads](/webhooks/smart-collect)

### Endpoints

* **post** `/v1/virtual_accounts` - Create a Customer Identifier With Bank Account Receiver:
  Creates a Customer Identifier with bank account receiver.

* **post** `/v1/virtual_accounts/:id` - Update a Customer Identifier:
  Updates details of a Customer Identifier.

* **get** `/v1/virtual_accounts/:id` - Fetch a Customer Identifier Using ID:
  Retrieves details of a Customer Identifier using id.

* **get** `/v1/virtual_accounts/` - Fetch All Customer Identifiers:
  Retrieves details of all Customer Identifiers.

* **get** `/v1/virtual_accounts/:id/payments` - Fetch Payments for a Customer Identifier:
  Retrieves details of payments made against a particular Customer Identifier.

* **get** `/v1/virtual_accounts/:id/payments` - Fetch Payments Made By Bank Transfer:
  Retrieves details of a payment using bank transfer method.

* **get** `/v1/payments?skip=0&count=25&va_transaction_id=:id&virtual_account=1` - Fetch Payments Using UTR:
  Retrieves details of a payment using bank transfer method via UTR.

* **post** `/v1/virtual_accounts/:id/close` - Close a Customer Identifier:
  Closes a Customer Identifier.

* **post** `v1/virtual_accounts/:id/receivers` - Add VPA Receiver to existing Customer Identifier With Smart Collect 2.0:
  Adds a VPA Receiver to an existing Customer Identifier With Smart Collect 2.0.

* **post** `/v1/virtual_accounts` - Create Customer Identifier with VPA and Bank Account Receivers With Smart Collect 2.0:
  Creates a Customer Identifier with VPA and Bank Account Receivers With Smart Collect 2.0.

* **get** `/v1/payments/:id/upi_transfer` - Fetch Payments Made Using UPI With Smart Collect 2.0:
  Retrieves payments made using UPI With Smart Collect 2.0.