Virtual Accounts

Fuel endless innovation and revenue growth with flexible account hierarchies and bank-grade sub-ledgering.

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A single platform. Endless possibilities.

Whether you’re looking to transform existing offerings or create entirely new ones, virtual accounts provide the ultimate flexibility
to bring your ideas to life:
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Enable complex account relationships and bank-grade sub-ledgering.

General - one platform

Attach any product or feature you want, with all other features in the same platform.

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Offer any unit of value.

Ledger - Virtual accounts

Power multiple use cases in a single virtual accounts platform- our framework supports your bespoke use cases.

A single platform. Endless possibilities.

Whether you’re looking to transform existing offerings or create entirely new ones, virtual accounts provide the ultimate flexibility
to bring your ideas to life:
 
General - bank grade reslience (1)

Enable complex account relationships and bank-grade sub-ledgering.

General - one platform

Attach any product or feature you want, with all other features in the same platform

General - multicurrency-1

Offer any unit of value.

Ledger - Virtual accounts

Power multiple use cases in a single virtual accounts platform- our framework supports your bespoke use cases.

All without having to modernize or replace your core.

Everything in real time 

Launch embedded financial products

Offer payments-on-behalf, receivables-on-behalf, and wallets-as-a-service. 

Revolutionize customer experiences

Create digital wallets, real-time P2P payments, or loyalty rewards programs. 

Turn accounts into revenue machines

Attach cards, FX, A2A payments, and rewards to accounts, driving revenue from multiple streams. 

Simplify treasury operations

Streamline account structures, enabling instant reconciliation and seamless expense management. 

Empower global reach

Deploy multi-currency accounts, cross-border payments, and locally compliant solutions.

Your vision isn’t limited by your existing technology—it’s powered by Episode Six.

Make innovation easy with Episode Six

Unlike rigid legacy systems, our virtual accounts platform delivers unmatched configurability, scalability, and ease of use:
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Infinite configuration

Adjust every detail of your account structures in real time without developer dependency.

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Enterprise-grade compliance

Meet global security, performance, and regulatory standards with ease.

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Seamless integration

Connect to your existing systems using flexible APIs, webhooks, and bulk actions.

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Future-proof scalability

Deploy across regions with localized cloud optimizations for speed and reliability.

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Proven performance

Trusted by banks globally, we power billions of transactions worldwide.

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Sidecar solution

Decouple product innovation from your core, accelerating time-to-value.

No matter how ambitious your roadmap, we’re here to make it possible.

Trusted by industry leaders and innovators everywhere

From established financial giants to ambitious disruptors, companies worldwide rely on Episode Six to fuel innovation:

HSBC PayMe

Episode Six helped HSBC transform their payments app into a market-leading payments platform in Hong Kong, expanding its use to businesses and eCommerce. The result? 70% market share and industry-leading uptime.

Our platform powers leading banks, financial institutions, and innovators worldwide. Want to join the list?

Let’s talk

 

 

Real-time control at your fingertips 

Say goodbye to bottlenecks and hello to real-time agility.

With our intuitive dashboard and robust APIs, your teams can: 

  • Create programs, open accounts, or add controls in seconds.
  • Attach cards, adjust settings, and manage compliance in real time.
  • Enable customer-facing teams to make updates instantly, without developer dependency.

With Episode Six, you have full control of your virtual accounts program—in-house and in real time.

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Drive revenue and unlock growth 

With Episode Six’s virtual accounts, you’re not just managing finances—you’re driving profitability. Here’s how: 
  • Monetize accounts with dynamic pricing for portfolios, partners, or customers.
  • Attach revenue-rich products like FX, credit, rewards, or A2A payments to any account.
  • Offer the flexibility to hold, earn, borrow and spend any unit of value—beyond traditional currencies.

Imagine transforming every account into a revenue-generating asset. We make it possible.

FAQs

I have a global business. Do Episode Six virtual accounts support multi-currency transactions?

We sure can. The Episode Six platform supports:

  • Multi-currency virtual accounts for global transactions
  • Automated FX conversions to optimize foreign exchange management
  • Localized virtual accounts for receiving payments in different markets
  • Dynamic fund routing to optimize payment processing costs

This allows businesses to manage international transactions seamlessly without needing multiple bank accounts.

How do virtual accounts impact the security of the payments my business is processing?

Virtual accounts enhance security by:

  • Eliminating the need to share sensitive banking details with multiple parties
  • Providing audit trails for transaction tracking
  • Using configurable controls to prevent unauthorized access
  • Supporting compliance and regulatory requirements like KYC and AML

With built-in security and fraud prevention, virtual accounts offer a safe and efficient way to manage business finances.

Can virtual accounts be used for both incoming and outgoing payments?

Yes! Virtual accounts can be used for:

  • Incoming payments – Businesses can assign a unique virtual account to each customer for automated tracking.
  • Outgoing payments – Funds can be routed through virtual accounts for supplier and vendor payments.
  • Internal fund allocation – Companies can create department-specific virtual accounts for better budget management.

With real-time fund tracking, businesses can optimize cash flow and reduce manual reconciliations.

Ready to launch? Let’s build together.

Innovation starts here. Whether you’re reimagining payments, building rewards programs, or launching entirely new financial products, Episode Six’s virtual accounts are the partner you need to succeed. 
Get started today