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

# Smart Collect

> Create Customer Identifiers on-demand for customers to pay via NEFT, RTGS and IMPS using Razorpay Smart Collect APIs.

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**

  * If you are a new customer, explore [Smart Collect 2.0](/docs/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](/docs/api/payments/smart-collect-tpv)  APIs.
</Info>

<br />

<CardGroup cols={2}>
  <Card title="Create a Customer Identifier With Bank Account Receiver" href="/docs/api/payments/smart-collect/create-cust-id-bank-account">
    `POST` `/v1/virtual_accounts`

    Creates a Customer Identifier with bank account receiver.
  </Card>

  <Card title="Update a Customer Identifier" href="/docs/api/payments/smart-collect/update">
    `POST` `/v1/virtual_accounts/:id`

    Updates details of a Customer Identifier.
  </Card>

  <Card title="Fetch a Customer Identifier Using ID" href="/docs/api/payments/smart-collect/fetch-with-id">
    `GET` `/v1/virtual_accounts/:id`

    Retrieves details of a Customer Identifier using id.
  </Card>

  <Card title="Fetch All Customer Identifiers" href="/docs/api/payments/smart-collect/fetch-all">
    `GET` `/v1/virtual_accounts/`

    Retrieves details of all Customer Identifiers.
  </Card>

  <Card title="Fetch Payments for a Customer Identifier" href="/docs/api/payments/smart-collect/fetch-payments-cust-id">
    `GET` `/v1/virtual_accounts/:id/payments`

    Retrieves details of payments made against a particular Customer Identifier.
  </Card>

  <Card title="Fetch Payments Made By Bank Transfer" href="/docs/api/payments/smart-collect/fetch-payments-bank-transfer">
    `GET` `/v1/virtual_accounts/:id/payments`

    Retrieves details of a payment using bank transfer method.
  </Card>

  <Card title="Fetch Payments Using UTR" href="/docs/api/payments/smart-collect/fetch-payments-bank-transfer-utr">
    `GET` `/v1/payments?skip=0&count=25&va_transaction_id=:id&virtual_account=1`

    Retrieves details of a payment using bank transfer method via UTR.
  </Card>

  <Card title="Close a Customer Identifier" href="/docs/api/payments/smart-collect/close">
    `POST` `/v1/virtual_accounts/:id/close`

    Closes a Customer Identifier.
  </Card>

  <Card title="Add VPA Receiver to existing Customer Identifier With Smart Collect 2.0" href="/docs/api/payments/smart-collect-2/add-receiver-vpa">
    `POST` `v1/virtual_accounts/:id/receivers`

    Adds a VPA Receiver to an existing Customer Identifier With Smart Collect 2.0.
  </Card>

  <Card title="Create Customer Identifier with VPA and Bank Account Receivers With Smart Collect 2.0" href="/docs/api/payments/smart-collect-2/create-cust-id-bank-account-vpa">
    `POST` `/v1/virtual_accounts`

    Creates a Customer Identifier with VPA and Bank Account Receivers With Smart Collect 2.0.
  </Card>

  <Card title="Fetch Payments Made Using UPI With Smart Collect 2.0" href="/docs/api/payments/smart-collect-2/fetch-payments-upi">
    `GET` `/v1/payments/:id/upi_transfer`

    Retrieves payments made using UPI With Smart Collect 2.0.
  </Card>
</CardGroup>

## Related Guides

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