# PayIn Accounts

### Virtual Accounts

Virtual accounts are created and managed by Scallop. All virtual accounts & IBAN's have dedicated account numbers.

<table data-header-hidden="false" data-header-sticky><thead><tr><th width="219.41015625">Currency</th><th width="169.875">Account Type</th><th width="97.84375">Named</th><th width="127.3984375">3PP (Payin)</th><th width="140.50390625">3PP (Payout)</th></tr></thead><tbody><tr><td>🇺🇸 USD</td><td>Virtual Account</td><td>✅</td><td>✅</td><td>✅</td></tr><tr><td>🇦🇪 AED</td><td>Virtual Account</td><td>✅</td><td>✅</td><td>✅</td></tr><tr><td>🇪🇺 EUR</td><td>Virtual IBAN</td><td>✅</td><td><strong>❌</strong></td><td>✅</td></tr><tr><td>🇬🇧 GBP</td><td>Virtual IBAN</td><td>✅</td><td><strong>❌</strong></td><td>✅</td></tr><tr><td>🇲🇽 MXN <strong>(Coming Soon)</strong></td><td>Virtual CLABE</td><td>✅</td><td>✅</td><td>✅</td></tr><tr><td>🇦🇺 AUD <strong>(Coming Soon)</strong></td><td>Virtual Account</td><td>✅</td><td>✅</td><td>✅</td></tr><tr><td>🇧🇷 BRL <strong>(Coming Soon)</strong></td><td>Virtual Account</td><td>✅</td><td>✅</td><td>✅</td></tr></tbody></table>

1. Third Party Payments (3PP): account can send and receive funds to/from third parties
2. Virtual Account: Virtual bank accounts that can receive, hold, and send funds from first and third parties.
3. Virtual IBAN: Virtual bank accounts in EUR or GBP that can receive funds from first party only and send third party.
4. Virtual CLABE: Virtual bank accounts in MXN that can receive, hold, and send funds from first and third parties.

### Other Accounts (MobileMoney, eWallets, QR)

<table data-header-hidden="false" data-header-sticky><thead><tr><th width="219.41015625">Currency</th><th width="169.875">Account Type</th><th width="97.84375">Named</th><th width="127.3984375">3PP (Payin)</th><th width="140.50390625">3PP (Payout)</th></tr></thead><tbody><tr><td>🇵🇭 PHP</td><td>InstaPay/PESONet</td><td><strong>❌</strong></td><td>✅</td><td>✅</td></tr><tr><td>🇧🇷 BRL</td><td>PIX</td><td><strong>❌</strong></td><td>✅</td><td>✅</td></tr><tr><td>🇻🇳 VND</td><td>VietQR</td><td><strong>❌</strong></td><td>✅</td><td>✅</td></tr><tr><td>🇳🇬 NGN</td><td>MobileMoney</td><td><strong>❌</strong></td><td>✅</td><td>✅</td></tr><tr><td>🇰🇪 KES</td><td>MobileMoney</td><td><strong>❌</strong></td><td>✅</td><td>✅</td></tr><tr><td>🇬🇭 GHS</td><td>MobileMoney</td><td><strong>❌</strong></td><td>✅</td><td>✅</td></tr><tr><td>🇺🇬 UGX</td><td>MobileMoney</td><td><strong>❌</strong></td><td>✅</td><td>✅</td></tr><tr><td>🇹🇿 TZS</td><td>MobileMoney</td><td><strong>❌</strong></td><td>✅</td><td>✅</td></tr><tr><td>🇿🇲 ZMW</td><td>MobileMoney</td><td><strong>❌</strong></td><td>✅</td><td>✅</td></tr></tbody></table>

### Understanding First-Party and Third-Party Payments on Scallop

#### What does “First-Party” mean?

First-party payments mean **you can only move money between accounts owned by you**.

This includes:

* Sending money between your own Scallop accounts
* Receiving money from your own external bank accounts
* Internal transfers where **you are both the sender and receiver**

In first-party mode:

* You cannot receive money from other people or businesses

This model is commonly used for compliance-safe onboarding and personal treasury management.

***

#### What does “Third-Party” mean?

Third-party payments allow you to **send and receive money to and from other people or businesses**.

This includes:

* Receiving salary, invoices, or payments from others
* Sending money to vendors, friends, contractors, or partners
* Full beneficiary management and external payouts

Third-party access enables users of scallop to function like a full global payments account.

***

### Virtual Account Types Explained

* **Virtual Account (USD /** **AED**)\
  A dedicated bank account number that can receive, hold, and send funds.\
  Depending on your tier, it may support first-party only or both first and third-party transactions.
* **Virtual IBAN (EUR / GBP)**\
  A European or UK bank account with a unique IBAN.\
  Can be used for receiving funds, first-party only. Can be used for sending funds, third-party.

***

### How Payment Access Works by Tier

#### Tier 1

Designed for personal use and self-managed funds.

* Currencies included:
  * USD, GBP, EUR by default
  * Plus 7 additional currencies selected at setup
* Payment scope:
  * First-party receive only
  * Third-party send
* What you can do:
  * Move money between your own accounts
  * Receive funds from your own external accounts
  * Send money to third party accounts
  * Hold and convert funds
* What you cannot do:
  * Receive money from others

***

#### Tier 2

Designed for global payments and real-world usage.

* Everything in Tier 1, plus:
  * Third-party pay-ins enabled for:
    * USD
    * AED
  * Instant access to 50 additional local currencies
* What you can do:
  * Receive money from anyone globally (USD and AED)
  * Send money to external beneficiaries
  * Use Scallop for salary, business payments, and remittances
* Other currencies:
  * Continue to work the same as Tier 1 unless explicitly enabled for third-party use

**You can upgrade tiers anytime from the app to expand your payment access.**


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