Account Statuses

Account Lifecycle

Every virtual account exposes a status field that reflects where it is in its lifecycle:

Status	Meaning	Terminal
`PROVISIONING`	The account is being set up and is not yet operational. Depending on the rail, a new account may skip this state and be `ACTIVE` right away.	No
`ACTIVE`	The account is fully operational.	No
`SUSPENDED`	Operations are temporarily disabled — typically due to compliance, fraud, a legal hold, or an ongoing review.	No
`CLOSED`	The account has been closed.	Yes
`REJECTED`	Onboarding was deliberately denied (KYC/KYB/compliance).	Yes

Every status change is notified via webhook to the status_callback_url provided when the account was created. The webhook body is the account object, using the same schema as the Get Account Details response.

What happens when an account is suspended

When an account is SUSPENDED:

Outbound operations are rejected. Payouts and internal transfers from the account cannot be executed and will fail with an error.
Incoming deposits continue to arrive. Funds sent to the account's funding instructions are still received and credited to the balance.

This means the balance of a suspended account can keep growing while it is under review, but funds cannot leave the account until it returns to ACTIVE.

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Suspension is temporary: once the underlying review is resolved, the account returns to ACTIVE (or transitions to CLOSED). Listen to the account status webhook to react to these changes in real time. If one of your accounts is suspended and you need more context, contact our team at [email protected].