> ## Documentation Index
> Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Collection Account Automation Updates

**Release type:** Change

**Applies to:** Collection Accounts - Virtual Account provisioning

Two changes land together as part of Collection Account automation: two provisioning times move, and USD SWIFT Virtual Accounts now require a documented set of compliance documents on the entity.

## 1. Provisioning time changes

| Account | Previous setup time | New setup time | `setup_time` value |
| - | - | - | - |
| **AED local Virtual Account** (United Arab Emirates, IPP / FPS) | Instant | T+1 | `t_plus_1` |
| **USD SWIFT Virtual Account** (United States) | T+1 | T+2 | `t_plus_2` |

A Virtual Account request is created immediately as before. Only the time to reach `enabled` changes, so the account is not able to receive funds until the enablement request succeeds. Continue to drive your flow off the [webhook events](/api-reference/tazapay-api/collection-account-webhooks) rather than assuming a fixed wait.

> [!NOTE]
>
> Read `setup_time` from the [Collection Account Metadata API](/api-reference/tazapay-api/virtual-account-metadata) instead of hardcoding it. Setup times are provider-dependent and change as providers are added or re-ranked. The field returns one of `instant`, `same_day`, `t_plus_1`, `t_plus_2`, `t_plus_3`, or `extended`.

## 2. Document requirements for USD SWIFT Virtual Accounts

USD SWIFT Virtual Accounts can now only be provisioned when the following documents are attached to the **entity object**. These are requirements of the downstream US provider and are collected in addition to Tazapay's standard KYB document set.

**Entity documents**

* Articles of association
* Proof of address
* Incorporation certificate
* Source of funds
* Financial statements

**UBO details**

* First name
* Last name
* Gender
* Nationality
* Date of birth
* Address
* Ownership percentage

## Action required

Add the above entity documents and UBO details to entities that will hold a USD SWIFT Virtual Account before requesting one.

## Relevant Links

* [Virtual Account Coverage](/collection-accounts/coverage/virtual-accounts)
* [Collection Account Metadata API](/api-reference/tazapay-api/virtual-account-metadata)
* [Metadata Fields](/collection-accounts/coverage/metadata-api)
* [Requesting a Collection Account via API](/collection-accounts/requesting-for-vas/api)
* [Entity API Reference](/api-reference/tazapay-api/entity)


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