The Challenge

Traditional bank accounts were not designed for modern platforms.
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Payments arrive without clear identification

Reconciliation becomes manual and time-consuming

Treasury teams lack real-time visibility

Scaling operations introduces operational friction

For exchanges, ecommerce companies, fintechs, and cross-border payment operators, this creates inefficiencies that directly impact growth.
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The Solution: Virtual Accounts by Inswitch, now Movantis

We enable businesses to assign a unique virtual account to every payer, customer, or transaction, ensuring every incoming payment is instantly identified, structured, traceable, and fully compliant with local regulations.
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Unlike standard payment processors, we operate on our own core banking infrastructure and banking partner network, enabling configurable payment rules and greater operational control.
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Funds are still centralized. But visibility becomes granular.
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Every payment is automatically identified, validated, and reconciled in real time.
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Gain full control  of your payment flows across LATAM.
Our Virtual Accounts coverage: Mexico, Argentina, Brazil, Chile, Colombia, Peru
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How Virtual Accounts Works
Assign‍
A unique virtual account is generated instantly via API.
Receive
The user sends funds using local bank rails.
Validate
Transactions are checked against configurable rules (name, limits, etc.).
Centralize
Funds are consolidated into your main account.
Reconcile Automatically
Each payment is matched without manual intervention.
Key Capabilities
Unique account per user or
transaction
Assign individualized virtual accounts for precise tracking
Real-time payment processing
Receive funds instantly through domestic payment rails.
Automated reconciliation
Automatically match incoming payments without manual intervention.
Validation controls
Validate payor identity, transaction limits, and compliance rules before accepting funds.
Centralized fund management
All funds are settled into a master account for optimized treasury operations.
Flexible Settlement Options
Settle in fiat or digital currency with built-in FX conversion and liquidity support.

How Virtual Accounts
Improve Your
Payment
Operations

Clarity at Scale
Know exactly who paid and why, across thousands or millions of transactions.
Operational Efficiency
Remove manual reconciliation and reduce operational costs.
Real-Time Control
Monitor liquidity and transaction flows at a granular level.
Frictionless Growth
Scale your financial operations without increasing complexity.
Bring clarity, control, and scalability to your
payment operations.
Start integration

Built for Complex Payment Ecosystems

Virtual Accounts are designed for businesses operating across multiple markets and managing high-volume payment flows:
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Ecommerce platforms collecting payments across LATAM

Marketplaces managing seller collections

Cross-border operators and exporters

Exchanges and crypto platforms

Fintechs and payment aggregators

Enterprises optimizing treasury structures

Platforms handling high-volume collections

Inswitch is now Movantis: Virtual Accounts Coverage

Our Virtual Accounts are available across key markets in Latin America, with expansion into new countries.

Mexico

Argentina

Brazil

Chile

Colombia

Peru

Leverage local payment rails and account structures in each country, while operating through a single, unified infrastructure.

Fast, enterprise-ready enablement

Go live with Virtual Accounts in 4-8 weeks, supported by our API-driven platform, core banking infrastructure, and banking partner network.

Why Inswitch, now Movantis
Because Virtual Accounts are not a standalone feature.
They are part of a full stack fintech infrastructure that combines:
Cross-Border Money Services
Payments (pay-in & pay-out)
Stablecoins
FX
Wallet infraestructure
Card Issuing
All delivered through a single, modular API platform designed for LATAM and the U.S.
How our Virtual Accounts can power your growth.
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Certified and compliant

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Licenses (US)

Regular
External Audits

Frequently Asked Questions
How is a Virtual Account different from a traditional bank account or a standard payment processor?
Do funds get fragmented across multiple virtual accounts?
How long does integration take, and how complex is it?
Which markets and payment rails are supported?
Is this solution only relevant for fintechs, or can traditional enterprises use it too?

We are an embedded financial technology provider, delivering solutions  via APIs for our clients, processors, and banking partners.​

We are an embedded financial technology provider, delivering solutions via APIs for our clients, processors, and banking partners.
Inswitch Solutions Inc. (and its subsidiaries) is a global technology provider; the services described on this website may be provided directly by any of the Inswitch entities or, where applicable, through third-party providers duly authorized and/or licensed in accordance with the financial regulations applicable in each jurisdiction, as it may apply. The availability of the services, their scope, as well as the corresponding operational and regulatory responsibilities in each country, shall be defined in the agreements executed with each client and shall be subject to the applicable legal requirements.
Inswitch provides its services exclusively under a B2B (business-to-business) model to companies and commercial entities and does not offer services directly to individual end users. This website is intended solely for informational purposes regarding Inswitch’s services and does not allow the creation of individual user accounts or profiles, nor does it contain transactional functionalities, mobile applications, or redirects intended for the direct contracting of services by consumers.
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