> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xpaycheckout.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Virtual Bank Account Transaction

> This event is triggered when a credit lands in one of your merchant virtual bank accounts.

A virtual bank account (VBA) transaction event is emitted whenever funds are received into a virtual bank account assigned to your account. Use it to reconcile incoming bank transfers in real time, matching each credit to the payer via its statement descriptor and recording the amount against your account.

<ResponseExample>
  ```json theme={null}
  {
    "eventId": "whe_fooD944t4VUKkaDT",
    "eventType": "virtual_bank_account.transaction",
    "eventTime": 1729608043615,
    "transactionId": "vbatxn_fooBOwYsaK50AEfK",
    "amount": 50000,
    "currency": "USD",
    "transactionTimeStamp": 1729608043615,
    "statementDescriptor": "ACME CORP INV 1042"
  }
  ```
</ResponseExample>

<ResponseField name="eventId" type="string">
  A unique identifier for this specific event. This ensures that each event can
  be tracked and processed individually.
</ResponseField>

<ResponseField name="eventType" type="string">
  Describes the type of event. In this case, it signifies that a transaction has
  been received into a virtual bank account.
</ResponseField>

<ResponseField name="eventTime" type="integer">
  The timestamp when the event was generated, typically in milliseconds since
  the Unix epoch (January 1, 1970). This value can be used to track when the
  event occurred.
</ResponseField>

<ResponseField name="transactionId" type="string">
  A unique identifier for the specific virtual bank account transaction. This ID
  ties the event back to the individual credit received into the account.
</ResponseField>

<ResponseField name="amount" type="integer">
  The amount received, expressed in the smallest unit of the currency. Here,
  50000 represents 500.00 USD (because USD uses two decimal places).
</ResponseField>

<ResponseField name="currency" type="string">
  The currency of the transaction, as a three-letter ISO 4217 code (e.g. `USD`).
</ResponseField>

<ResponseField name="transactionTimeStamp" type="integer">
  The timestamp when the underlying bank transaction occurred, in milliseconds
  since the Unix epoch. This reflects when the funds were credited to the
  account, which may differ from `eventTime`.
</ResponseField>

<ResponseField name="statementDescriptor" type="string">
  The descriptor that appeared on the bank statement for this credit. Use it to
  identify the payer or reconcile the transfer against an invoice.
</ResponseField>