# Collection Overview

This feature allows you to generate a virtual account for your customers. The account number generated is dedicated to a customer and every payment to that virtual account is associated with the customer for which the account was reserved.

These accounts are very useful for merchants whose;

1. **Customers can only pay for a single service:** This is common for electricity companies, internet service providers, etc. The account reserved for the customer in this scenario allows them to pay for a service by doing a simple transfer to their reserved account and the payment is confirmed.
2. **Businesses that involves the use of a wallet:** Here, an account number is reserved for each customer's wallet to enable them to top up by simply transferring to that account. Examples of this are Super Agents, Investment Applications, Betting Platforms, Logistics Applications, etc.

{% hint style="warning" %}
**Note:**\
If you want to reserve accounts across all partner banks for your customers, you will need to pass “true” for the “getAllAvailableBanks” field. For now, Wema bank accounts are the default virtual accounts.
{% endhint %}


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