Diameter Virtual Accounts: Retrieval and Balance Checks

Virtual accounts are automatically created when an end user completes bank onboarding. Learn how to retrieve account details and check balances.

When an end user finishes bank onboarding, Diameter automatically provisions a virtual account on their behalf. You do not create accounts via API — instead, you retrieve and monitor them as part of managing your end users’ financial activity.

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Account Structure

Each end user receives one virtual account per product and bank combination. If an end user is onboarded with two partner banks under the same product, they will have two separate accounts — one per bank.

Every account contains the following fields:

Field	Description
id	Unique account identifier
accountNumber	The virtual account number
accountName	Display name for the account
currency	Always USD
bank	Partner bank: PORTAGE or SLOVAK_SAVINGS_BANK
wireInstructions	Routing details for inbound wire payments (see below)

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Wire Instructions

The wireInstructions object on each account contains the routing information that counterparties need to send funds into the account:

Field	Description
bicCode	Bank Identifier Code (BIC/SWIFT) for international wires
routingNumber	ABA routing number for domestic wires

Share these details with anyone who needs to send an inbound wire to the account.

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Retrieving Accounts

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Get a Specific Account

Fetch a single account by its ID:

GET /v1/accounts/{id}

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Search All Accounts

Search across all accounts in your tenant. Narrow results using query parameters:

GET /v1/accounts

Query Parameter	Description
accountName	Filter by account display name
accountNumber	Filter by account number
endUserId	Filter by the owning end user’s ID
productId	Filter by product

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Include End User Name

Add includeEndUserName=true to any account query to include the owning end user’s name in the response:

GET /v1/accounts?endUserId=usr_01abc&includeEndUserName=true

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Checking Account Balances

Retrieve the current balance for a specific account:

GET /v1/accounts/{id}/balance

The response includes:

Field	Description
availableBalance	Funds available for use
currency	Always USD

The balance endpoint is rate limited to 15 requests per second. Design your application to poll balances at a responsible frequency, or rely on webhooks for payment status changes rather than balance polling to confirm transaction completion.