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Named Virtual Accounts and API Pagination

Bernardo Simonassi
Bernardo Simonassi
•

BlindPay delivered the most-requested account features in April, including support for named virtual accounts, a revamped terms of service workflow, and cursor-based pagination across core endpoints.

TL;DR

  • US named accounts
  • Terms of Service API (breaking changes)
  • Pagination (breaking changes)

Named Virtual Accounts powered by Tier 1 Bank in the US

BlindPay can issue named virtual accounts backed by Tier 1 Bank in the US. This unlocks customer-facing account numbers that display your client's business or individual name instead of BlindPay. We are already onboarding beta testers—reach out to us if you want early access or pricing details.

Terms of Service API (breaking changes)

For compliance reasons every customer must accept BlindPay’s terms of service before you can create payouts or payins on their behalf. Update your onboarding flow to capture the tos_id returned by the Terms of Service endpoint and persist it when you create customers. All customers must complete this step by May 30 to avoid disruptions.

Pagination (breaking changes)

The /payins and /payouts endpoints now support cursor pagination with the limit, starting_after, and ending_before parameters. The legacy pagination response will be deprecated on June 30. Review the new parameters in the API reference and add the customer_id query filter where needed to segment results by customer.

We also added the first filter related to customers, so you can pass the customer_id on the query parameter as well.

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Blind Pay, Inc. (“BlindPay”) is a United States-based financial technology and payments infrastructure company, incorporated in the State of Delaware on May 2, 2024. BlindPay is duly registered as a Money Services Business (“MSB”) with the Financial Crimes Enforcement Network (“FinCEN”) under registration number 31000277566153. BlindPay is not a state-licensed money transmitter and does not, in its own capacity, engage in regulated money transmission services. All such regulated activities are conducted exclusively through, and under the licenses of, duly authorized financial institution partners. BlindPay's role is limited to providing financial technology, virtual account management, payment processing, and related payments infrastructure services that facilitate payment flows and account functionalities. These services are provided in coordination with its licensed partners and in compliance with applicable federal MSB requirements and relevant state regulatory frameworks.

Blind Pay, LLC (“BlindPay”) is a Delaware limited liability company formed on June 24, 2025. BlindPay is duly registered as a Money Services Business (“MSB”) with the Financial Crimes Enforcement Network (“FinCEN”) under registration number 31000318334247 and is listed in the Nationwide Multistate Licensing System (“NMLS”) under NMLS ID #2745309.

BLIND PAY SOCIEDADE PRESTADORA DE SERVIÇOS DE ATIVOS VIRTUAIS LTDA. (“BlindPay”) is a Virtual Asset Service Provider (“VASP”) operating in Brazil. The company is presently completing the regulatory adaptation process required of Virtual Asset Service Provider Companies (SPSAV) under Central Bank of Brazil Resolution No. 520/2025, and remains subject to the transitional regime set forth in Article 88 of that Resolution. Registered address: Avenida Princesa Isabel, nº 15, Sala 1405, Edifício Martinho de Freitas, Centro, Vitória/ES, 29010-361.

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