Multi-tenant with virtualAccount

POST /pix GET /user/transactions Glossary

If you operate multiple brands, stores, branches, or partners under a single Saq account, pass virtualAccount (up to 50 characters) on each creation. This field:

Returns in every callback, so you immediately know which tenant the transaction belongs to.
Can be filtered in GET /user/transactions and GET /pix, with lists isolated per tenant.
Removes the need for child accounts, a single Saq account serves N tenants.

Naming conventions

Pattern	When to use
`tenant-{slug}`	Multi-customer SaaS platform.
`loja-{cidade}-{numero}`	Network with physical stores.
`mkt-{partner}`	Marketplace with multiple sellers.
`filial-{codigo}`	Branches of the same company.
`branch-{branchId}`	Generic, in English.

Maximum length: 50 characters. Use a stable, readable format. Avoid special characters and spaces.

Create with `virtualAccount`

{
  "amount": 99.90,
  "clientReference": "order-1234",
  "virtualAccount": "loja-rj-01",
  "callbackUrl": "https://seusite.com.br/webhooks/saq"
}

{
  "id": "SAQ20251123104518DF75D20A8F",
  "status": "PENDING",
  "amount": 99.90,
  "clientReference": "order-1234",
  "virtualAccount": "loja-rj-01",
  "qrCodeText": "00020126870014br.gov.bcb.pix..."
}

{
  "id": "SAQ20251123104518DF75D20A8F",
  "type": "DEPOSIT",
  "status": "COMPLETED",
  "amount": 99.90,
  "clientReference": "order-1234",
  "virtualAccount": "loja-rj-01",
  "paidAt": "2025-11-23T10:46:26.986Z"
}

List only one tenant

curl "https://api.saq.processamento.com/v1/user/transactions?virtualAccount=loja-rj-01&dateFrom=2025-11-01" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json"

const url = new URL('https://api.saq.processamento.com/v1/user/transactions');
url.searchParams.set('virtualAccount', 'loja-rj-01');
url.searchParams.set('dateFrom', '2025-11-01');

const res = await fetch(url, {
  headers: {
    Authorization: `Bearer ${process.env.SAQ_TOKEN}`,
    'Content-Type': 'application/json',
  },
});

res = requests.get(
    'https://api.saq.processamento.com/v1/user/transactions',
    params={'virtualAccount': 'loja-rj-01', 'dateFrom': '2025-11-01'},
    headers={
        'Authorization': f'Bearer {os.environ["SAQ_TOKEN"]}',
        'Content-Type': 'application/json',
    },
)

Route the callback

async function saqWebhook(tx: saqCallback) {
  const tenantId = tx.virtualAccount;
  if (!tenantId) {
    log.warn('callback without virtualAccount', { id: tx.id });
    return;
  }

  const handler = tenantHandlers[tenantId];
  if (!handler) {
    log.error('unknown tenant', { tenantId, id: tx.id });
    return;
  }

  await handler.process(tx);
}

`virtualAccount` vs `clientReference`

The two are independent and complementary fields. Always use both.

Field	Granularity	Purpose
`clientReference`	Per transaction	Idempotência + lookup by order.
`virtualAccount`	Per tenant	Routing + listing filter.

Combined example:

{
  "amount": 99.90,
  "clientReference": "order-1234",
  "virtualAccount": "loja-rj-01",
  "callbackUrl": "https://seusite.com.br/webhooks/saq"
}

Common pitfalls

Pitfall	Symptom
Using `clientReference` to identify the tenant	Does not filter in listings, complicates lookup
`virtualAccount` changes every time (timestamp, variable slug)	Listing becomes fragmented
Not handling callbacks without `virtualAccount`	Routing crashes on legacy transactions
Hardcoding tenants in the handler	Manual onboarding for every new customer