NAMED ACCOUNTS
Every entity. Their
own account. Zero
reconciliation effort.
Assign a Named Account to every merchant, user or seller within your Volt
Account. Funds are attributed automatically on arrival – giving you real-time
balance visibility per entity, at any scale.
THE PROBLEM
Holding funds for multiple entities shouldn't mean losing track of who owns what.
Whether you're a crypto platform holding user balances, a marketplace settling funds to sellers, or a PSP managing money on behalf of sub-merchants – the same problem appears at scale: funds land in a shared account with no automatic way to know who they belong to. Attribution becomes a manual process. Balances become unreliable. Compliance becomes difficult to demonstrate.
Pooled funds, opaque attribution
Open banking rails don't give you the data and reporting that card processors do. You're reconciling manually, after the fact.
Batch settlement delays
Without entity-level accounts, payouts to merchants or users require a separate reconciliation pass – introducing delays, manual effort, and error risk before funds can be distributed.
Compliance without a clear audit trail
Regulators expect demonstrable segregation of funds. A single pooled balance shared across entities makes it harder to prove who owns what – and harder to act on it quickly.
Named Accounts
One Volt Account.
A named sub-account for every entity within it.
Each Named Account sits inside your Volt Account and represents a single entity – a sub-merchant, a user, a seller. Funds arriving in the parent account are attributed to the right Named Account automatically. You see every entity's balance in real time, without ever moving money between accounts.
Automatic fund attribution
Funds arriving in the parent Volt Account are attributed to the correct Named Account instantly – based on the entity identifier embedded in the payment reference. No manual matching required.
Real-time balance per entity
Every Named Account has its own live balance, updated with every movement. See exactly what each merchant, user, or seller is owed at any point – without waiting for a reconciliation cycle.
Unique, permanent identifiers
Each Named Account carries a unique ID that maps directly to an entity in your system. Consistent across every payment event, every API call, and every report.
API-first, fully dynamic
Create and manage Named Accounts programmatically via API. Provision new accounts as your merchant or user base grows, without any manual onboarding steps on the Volt side.
Why Named Accounts
Five reasons Named Accounts change
how you manage entity-level funds.
No more manual reconciliation
Attribution happens automatically on arrival. Your ops team focuses on decisions – not data entry.
Faster payouts
Because balances are tracked per entity in real time, you can trigger payouts the moment funds are attributed – no batch window needed.
Clean audit trail
Every credit and debit maps to a named entity. Your compliance and finance teams always have a clear, complete picture.
Scalable by design
Whether you have ten sub-merchants or ten thousand users, the architecture handles it – no structural changes required as you grow.
Built on real-time rails
Named Accounts sit on top of Volt's real-time payment infrastructure – so attribution is instant, not batched.
Who it's built for
Built for any business that holds funds
on behalf of others.
Named Accounts are a natural fit wherever individual entity balances
need to be tracked, attributed, and acted on – without the overhead of
opening separate bank accounts for each.
PSPS
Safeguarded funds for sub-merchants – without batch settlement
Create a Named Account for each of your sub-merchants. Their funds are separated and attributed within your Volt Account from the moment they arrive – removing the delays and risks that come with pooled settlement.
Named Accounts sit on top of a Volt Account
The Volt Account is the infrastructure layer – the real-time payment account where money
lives and moves. Named Accounts are the attribution layer on top of it – defining who the
money belongs to within that account. Together, they give you both the payment rails and
the entity-level structure to manage funds at scale.
See what Volt Accounts can do for your business.
Talk to our team. We'll show you how Volt Accounts works, walk you through the setup, and help you figure out the right configuration for your payment operations.