> ## Documentation Index > Fetch the complete documentation index at: https://docs.fluz.app/llms.txt > Use this file to discover all available pages before exploring further. # Virtual Account Documents > Generate payment instructions, paycheck direct-deposit forms, and account status letters as PDFs for a spend account's virtual account number. Three queries return ready-to-share PDF documents for a spend account's [virtual account number](/features/virtual-account-numbers). Each one is generated on demand, returned as a **base64-encoded string**, and is meant to be decoded and either rendered in your UI or offered as a download. All three: * Require the `LIST_PAYMENT` scope. * Take a `userCashBalanceId` identifying the spend account. * Take an optional `virtualAccountNumberId`. **When omitted, the spend account's primary VAN is used.** * Return `SpendAccountPdfDocument!`. *** ## Decoding the Response ```graphql theme={null} query getSpendAccountPaymentInstructions($userCashBalanceId: UUID!) { getSpendAccountPaymentInstructions(userCashBalanceId: $userCashBalanceId) { fileName pdfBase64 } } ``` ```javascript theme={null} const { fileName, pdfBase64 } = data.getSpendAccountPaymentInstructions; // Browser: turn the base64 payload into a downloadable file const bytes = Uint8Array.from(atob(pdfBase64), (c) => c.charCodeAt(0)); const blob = new Blob([bytes], { type: "application/pdf" }); const url = URL.createObjectURL(blob); const a = document.createElement("a"); a.href = url; a.download = fileName; a.click(); URL.revokeObjectURL(url); ``` These PDFs contain the full, unmasked routing and account number. Do not cache them, log them, or store them outside the user's session. Regenerate on demand instead. *** ## Payment Instructions `getSpendAccountPaymentInstructions` produces a PDF containing the routing and account details needed to fund the virtual account number. Use it when a user needs to tell a customer, vendor, or their own outside bank where to send money. ```graphql theme={null} query paymentInstructions( $userCashBalanceId: UUID! $virtualAccountNumberId: UUID ) { getSpendAccountPaymentInstructions( userCashBalanceId: $userCashBalanceId virtualAccountNumberId: $virtualAccountNumberId ) { fileName pdfBase64 } } ``` | Argument | Type | Required | Description | | ------------------------ | ------- | -------- | ---------------------------------------------------------------- | | `userCashBalanceId` | `UUID!` | Yes | The spend account the funds should land in. | | `virtualAccountNumberId` | `UUID` | No | Specific VAN to document. Defaults to the account's primary VAN. | [API reference](/api-reference/queries/get-spend-account-payment-instructions) *** ## Paycheck Deposit Form `getSpendAccountPaycheckDepositForm` produces a pre-filled direct-deposit authorization form a user can submit to their employer's payroll department. This is the intended path for routing all or part of a paycheck into a Fluz spend account. ```graphql theme={null} query paycheckDepositForm( $userCashBalanceId: UUID! $virtualAccountNumberId: UUID $depositType: PaycheckDepositType! $depositAmount: Float $depositPercentage: Float $employerName: String $employeeName: String $eSignForm: Boolean ) { getSpendAccountPaycheckDepositForm( userCashBalanceId: $userCashBalanceId virtualAccountNumberId: $virtualAccountNumberId depositType: $depositType depositAmount: $depositAmount depositPercentage: $depositPercentage employerName: $employerName employeeName: $employeeName eSignForm: $eSignForm ) { fileName pdfBase64 } } ``` | Argument | Type | Required | Description | | ------------------------ | ---------------------- | ----------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- | | `userCashBalanceId` | `UUID!` | Yes | The spend account the paycheck should land in. | | `virtualAccountNumberId` | `UUID` | No | Defaults to the account's primary VAN. | | `depositType` | `PaycheckDepositType!` | Yes | How much of each paycheck the employer should send: `FULL` for the entire check, `FIXED` for a set dollar amount, or `PERCENTAGE` for a share of it. | | `depositAmount` | `Float` | Conditional | **Required when `depositType` is `FIXED`.** | | `depositPercentage` | `Float` | Conditional | **Required when `depositType` is `PERCENTAGE`.** Value from 1–100. | | `employerName` | `String` | No | Name printed on the form's employer line, 1–150 characters. Left blank when omitted. | | `employeeName` | `String` | No | Name printed as the account holder, 1–150 characters. Defaults to the account's legal name, with any DBA name on a second line. | | `eSignForm` | `Boolean` | No | Pre-fill the signature line with the printed account-holder name, in italics. Default off, which leaves the line blank to be signed by hand. | **Validation is enforced server-side.** Sending `depositType: FIXED` without `depositAmount`, or `depositType: PERCENTAGE` without a `depositPercentage` between 1 and 100, returns an error. Validate in your UI before calling. ```json Variables theme={null} { "userCashBalanceId": "9c1f6b2e-4d7a-4c3b-9f11-2a5e8b0d6c74", "depositType": "PERCENTAGE", "depositPercentage": 25, "employerName": "Acme Corp", "employeeName": "Jane Doe", "eSignForm": true } ``` [API reference](/api-reference/queries/get-spend-account-paycheck-deposit-form) *** ## Account Status Letter `getSpendAccountStatusLetter` produces a letter confirming the account exists and is in good standing — the equivalent of a bank letter. Set `displayBalance` to `true` to include the current balance on the letter; leave it off when the user only needs to prove the account exists. ```graphql theme={null} query statusLetter( $userCashBalanceId: UUID! $virtualAccountNumberId: UUID $displayBalance: Boolean $balanceCheckDate: DateTime ) { getSpendAccountStatusLetter( userCashBalanceId: $userCashBalanceId virtualAccountNumberId: $virtualAccountNumberId displayBalance: $displayBalance balanceCheckDate: $balanceCheckDate ) { fileName pdfBase64 } } ``` | Argument | Type | Required | Description | | ------------------------ | ---------- | -------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `userCashBalanceId` | `UUID!` | Yes | The spend account to document. | | `virtualAccountNumberId` | `UUID` | No | Defaults to the account's primary VAN. | | `displayBalance` | `Boolean` | No | Include the account's balance on the letter. Default off. | | `balanceCheckDate` | `DateTime` | No | Report the available balance as of the end of this day (US Eastern) instead of the current balance, and label the letter's as-of line with that date. Cannot be in the future. **Only applies when `displayBalance` is `true`** — otherwise the letter carries no balance and the date is ignored. | `balanceCheckDate` takes a full RFC-3339 timestamp — a bare date such as `"2026-07-01"` is rejected. Only the day the timestamp falls on **in US Eastern** is used, so anchor it to Eastern: `"2026-07-01T00:00:00Z"` is 8pm Eastern on June 30 and reports June 30's balance. [API reference](/api-reference/queries/get-spend-account-status-letter) *** ## Choosing the Right Document ```mermaid theme={null} flowchart TD Q{"Who is the user\ngiving this to?"} Q -->|Their employer| A["Paycheck Deposit Form\ngetSpendAccountPaycheckDepositForm"] Q -->|A customer, vendor,\nor outside bank| B["Payment Instructions\ngetSpendAccountPaymentInstructions"] Q -->|A landlord, lender,\nor auditor| C["Account Status Letter\ngetSpendAccountStatusLetter"] ``` *** **Want to learn more?** Speak with our experts for more info or to request a demo.