diff --git a/app/src/main/java/com/tangem/tap/data/DefaultTangemPayStorage.kt b/app/src/main/java/com/tangem/tap/data/DefaultTangemPayStorage.kt
index 85108219f0..6b48f51b6f 100644
--- a/app/src/main/java/com/tangem/tap/data/DefaultTangemPayStorage.kt
+++ b/app/src/main/java/com/tangem/tap/data/DefaultTangemPayStorage.kt
@@ -134,6 +134,23 @@ internal class DefaultTangemPayStorage @Inject constructor(
         appPreferencesStore.store(PreferencesKeys.getTangemPayOrderIdKey(customerWalletAddress), "")
     }
 
+    override suspend fun storeVirtualAccountOrderId(customerWalletAddress: String, vaOrderId: String) {
+        appPreferencesStore.store(
+            key = PreferencesKeys.getTangemPayVirtualAccountOrderIdKey(customerWalletAddress),
+            value = vaOrderId,
+        )
+    }
+
+    override suspend fun getVirtualAccountOrderId(customerWalletAddress: String): String? {
+        return appPreferencesStore.getSyncOrNull(
+            key = PreferencesKeys.getTangemPayVirtualAccountOrderIdKey(customerWalletAddress),
+        ).takeIf { !it.isNullOrEmpty() }
+    }
+
+    override suspend fun clearVirtualAccountOrderId(customerWalletAddress: String) {
+        appPreferencesStore.store(PreferencesKeys.getTangemPayVirtualAccountOrderIdKey(customerWalletAddress), "")
+    }
+
     override suspend fun storeCheckCustomerWalletResult(userWalletId: UserWalletId, isPaeraCustomer: Boolean) {
         appPreferencesStore.store(
             PreferencesKeys.getTangemPayCheckCustomerByWalletId(userWalletId),
diff --git a/app/src/mocked/java/com/tangem/tap/data/MockAwareTangemPayStorage.kt b/app/src/mocked/java/com/tangem/tap/data/MockAwareTangemPayStorage.kt
index baea0ab1a5..cbbcb0c848 100644
--- a/app/src/mocked/java/com/tangem/tap/data/MockAwareTangemPayStorage.kt
+++ b/app/src/mocked/java/com/tangem/tap/data/MockAwareTangemPayStorage.kt
@@ -81,6 +81,15 @@ internal class MockAwareTangemPayStorage @Inject constructor(
     override suspend fun clearOrderId(customerWalletAddress: String) =
         real.clearOrderId(customerWalletAddress)
 
+    override suspend fun storeVirtualAccountOrderId(customerWalletAddress: String, vaOrderId: String) =
+        real.storeVirtualAccountOrderId(customerWalletAddress, vaOrderId)
+
+    override suspend fun getVirtualAccountOrderId(customerWalletAddress: String): String? =
+        real.getVirtualAccountOrderId(customerWalletAddress)
+
+    override suspend fun clearVirtualAccountOrderId(customerWalletAddress: String) =
+        real.clearVirtualAccountOrderId(customerWalletAddress)
+
     override suspend fun storeCheckCustomerWalletResult(userWalletId: UserWalletId, isPaeraCustomer: Boolean) =
         real.storeCheckCustomerWalletResult(userWalletId, isPaeraCustomer)
 
diff --git a/core/datasource/src/main/java/com/tangem/datasource/api/pay/TangemPayApi.kt b/core/datasource/src/main/java/com/tangem/datasource/api/pay/TangemPayApi.kt
index 37f8928d79..44f6df51f2 100644
--- a/core/datasource/src/main/java/com/tangem/datasource/api/pay/TangemPayApi.kt
+++ b/core/datasource/src/main/java/com/tangem/datasource/api/pay/TangemPayApi.kt
@@ -77,6 +77,13 @@ interface TangemPayApi {
         @Body body: OrderRequest,
     ): ApiResponse<OrderResponse>
 
+    // TODO: Doston: [REDACTED_TASK_KEY] Unify with method above
+    @POST("v1/order")
+    suspend fun createVirtualAccountOrder(
+        @Header("Authorization") authHeader: String,
+        @Body body: VirtualAccountOrderRequest,
+    ): ApiResponse<OrderResponse>
+
     /** Customer offers — used to gate the issue-additional-card flow. */
     @GET("v1/customer/offers")
     suspend fun getCustomerOffers(@Header("Authorization") authHeader: String): ApiResponse<CustomerOffersResponse>
diff --git a/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/request/VirtualAccountOrderRequest.kt b/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/request/VirtualAccountOrderRequest.kt
new file mode 100644
index 0000000000..7b78b64c6f
--- /dev/null
+++ b/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/request/VirtualAccountOrderRequest.kt
@@ -0,0 +1,23 @@
+package com.tangem.datasource.api.pay.models.request
+
+import com.squareup.moshi.Json
+import com.squareup.moshi.JsonClass
+
+/**
+ * Request body for creating a Virtual Account on-ramp order (VA MVP0, TWI-1638).
+ *
+ * `wallet_address` is the customer's managing (collateral-managing) wallet address; `payment_account_address`
+ * is the existing collateral address. Distinct from the card-issue [OrderRequest] contract.
+ */
+@JsonClass(generateAdapter = true)
+data class VirtualAccountOrderRequest(
+    @Json(name = "data") val data: Data,
+    @Json(name = "idempotency_key") val idempotencyKey: String,
+) {
+    @JsonClass(generateAdapter = true)
+    data class Data(
+        @Json(name = "deposit_address") val depositAddress: String,
+        @Json(name = "type") val type: String = "ACCOUNT_ISSUE_VIRTUAL_RAIN",
+        @Json(name = "specification_name") val specificationName: String = "SP_000006",
+    )
+}
\ No newline at end of file
diff --git a/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/response/BankCredentialsResponse.kt b/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/response/BankCredentialsResponse.kt
index 409984fabc..b3564320f4 100644
--- a/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/response/BankCredentialsResponse.kt
+++ b/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/response/BankCredentialsResponse.kt
@@ -9,11 +9,16 @@ import com.squareup.moshi.JsonClass
  */
 @JsonClass(generateAdapter = true)
 data class BankCredentialsResponse(
-    @Json(name = "type") val type: String?,
-    @Json(name = "beneficiary_name") val beneficiaryName: String?,
-    @Json(name = "beneficiary_address") val beneficiaryAddress: String?,
-    @Json(name = "beneficiary_bank_name") val beneficiaryBankName: String?,
-    @Json(name = "beneficiary_bank_address") val beneficiaryBankAddress: String?,
-    @Json(name = "account_number") val accountNumber: String?,
-    @Json(name = "routing_number") val routingNumber: String?,
-)
\ No newline at end of file
+    @Json(name = "result") val result: Result?,
+) {
+    @JsonClass(generateAdapter = true)
+    data class Result(
+        @Json(name = "type") val type: String?,
+        @Json(name = "beneficiary_name") val beneficiaryName: String?,
+        @Json(name = "beneficiary_address") val beneficiaryAddress: String?,
+        @Json(name = "beneficiary_bank_name") val beneficiaryBankName: String?,
+        @Json(name = "beneficiary_bank_address") val beneficiaryBankAddress: String?,
+        @Json(name = "account_number") val accountNumber: String?,
+        @Json(name = "routing_number") val routingNumber: String?,
+    )
+}
\ No newline at end of file
diff --git a/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/response/CustomerMeResponse.kt b/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/response/CustomerMeResponse.kt
index 17de6c4cd0..21adcc2e76 100644
--- a/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/response/CustomerMeResponse.kt
+++ b/core/datasource/src/main/java/com/tangem/datasource/api/pay/models/response/CustomerMeResponse.kt
@@ -27,7 +27,7 @@ data class CustomerMeResponse(
     data class ProductInstance(
         @Json(name = "id") val id: String,
         @Json(name = "cid") val cid: String?,
-        @Json(name = "card_id") val cardId: String,
+        @Json(name = "card_id") val cardId: String?,
         @Json(name = "card_wallet_address") val cardWalletAddress: String?,
         @Json(name = "status") val status: Status,
         @Json(name = "updated_at") val updatedAt: String,
diff --git a/core/datasource/src/main/java/com/tangem/datasource/local/preferences/PreferencesKeys.kt b/core/datasource/src/main/java/com/tangem/datasource/local/preferences/PreferencesKeys.kt
index ca59f2ca23..eba1fa1049 100644
--- a/core/datasource/src/main/java/com/tangem/datasource/local/preferences/PreferencesKeys.kt
+++ b/core/datasource/src/main/java/com/tangem/datasource/local/preferences/PreferencesKeys.kt
@@ -189,6 +189,9 @@ object PreferencesKeys {
     fun getTangemPayOrderIdKey(customerWalletAddress: String) =
         stringPreferencesKey("tangem_pay_order_id_key_$customerWalletAddress")
 
+    fun getTangemPayVirtualAccountOrderIdKey(customerWalletAddress: String) =
+        stringPreferencesKey("tangem_pay_va_order_id_key_$customerWalletAddress")
+
     fun getTangemPayCustomerWalletAddressKey(userWalletId: UserWalletId) =
         stringPreferencesKey("tangem_pay_customer_wallet_address_key_${userWalletId.stringValue}")
 
diff --git a/core/datasource/src/main/java/com/tangem/datasource/local/visa/TangemPayStorage.kt b/core/datasource/src/main/java/com/tangem/datasource/local/visa/TangemPayStorage.kt
index e6b2a37527..60c91d5d63 100644
--- a/core/datasource/src/main/java/com/tangem/datasource/local/visa/TangemPayStorage.kt
+++ b/core/datasource/src/main/java/com/tangem/datasource/local/visa/TangemPayStorage.kt
@@ -23,6 +23,12 @@ interface TangemPayStorage {
 
     suspend fun clearOrderId(customerWalletAddress: String)
 
+    suspend fun storeVirtualAccountOrderId(customerWalletAddress: String, vaOrderId: String)
+
+    suspend fun getVirtualAccountOrderId(customerWalletAddress: String): String?
+
+    suspend fun clearVirtualAccountOrderId(customerWalletAddress: String)
+
     suspend fun getAddToWalletDone(customerWalletAddress: String): Boolean
 
     suspend fun storeAddToWalletDone(customerWalletAddress: String, isDone: Boolean)
diff --git a/data/visa/src/main/kotlin/com/tangem/data/pay/di/TangemPayDataModule.kt b/data/visa/src/main/kotlin/com/tangem/data/pay/di/TangemPayDataModule.kt
index 30297c0d46..a363e421d0 100644
--- a/data/visa/src/main/kotlin/com/tangem/data/pay/di/TangemPayDataModule.kt
+++ b/data/visa/src/main/kotlin/com/tangem/data/pay/di/TangemPayDataModule.kt
@@ -293,5 +293,16 @@ internal interface TangemPayDataModule {
                 appCoroutineScope = appCoroutineScope,
             )
         }
+
+        @Provides
+        fun provideCreateVirtualAccountOrderUseCase(
+            onboardingRepository: OnboardingRepository,
+            pollingUseCase: StartTangemPayOrderPollingUseCase,
+        ): CreateVirtualAccountOrderUseCase {
+            return CreateVirtualAccountOrderUseCase(
+                onboardingRepository = onboardingRepository,
+                pollingUseCase = pollingUseCase,
+            )
+        }
     }
 }
\ No newline at end of file
diff --git a/data/visa/src/main/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcher.kt b/data/visa/src/main/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcher.kt
index c962f2dcdc..e77fc8bec5 100644
--- a/data/visa/src/main/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcher.kt
+++ b/data/visa/src/main/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcher.kt
@@ -338,7 +338,7 @@ internal class DefaultPaymentAccountStatusFetcher @Inject constructor(
         fiatRate: BigDecimal?,
     ): PaymentAccountStatusValue {
         val cardsById = cards.associateBy { it.cardId }
-        val tangemPayCards = productInstances.mapNotNull { productInstance ->
+        val tangemPayCards = cardProductInstances.mapNotNull { productInstance ->
             val cardInfo = cardsById[productInstance.cardId] ?: return@mapNotNull null
             val cardId = productInstance.cardId
             val cardFrozenState = cardDetailsRepository.cardFrozenStateSync(cardId)
diff --git a/data/visa/src/main/kotlin/com/tangem/data/pay/repository/DefaultOnboardingRepository.kt b/data/visa/src/main/kotlin/com/tangem/data/pay/repository/DefaultOnboardingRepository.kt
index 786fc9397c..10b5639f3e 100644
--- a/data/visa/src/main/kotlin/com/tangem/data/pay/repository/DefaultOnboardingRepository.kt
+++ b/data/visa/src/main/kotlin/com/tangem/data/pay/repository/DefaultOnboardingRepository.kt
@@ -12,6 +12,7 @@ import com.tangem.datasource.api.pay.TangemPayApi
 import com.tangem.datasource.api.pay.models.request.DeeplinkValidityRequest
 import com.tangem.datasource.api.pay.models.request.OrderRequest
 import com.tangem.datasource.api.pay.models.request.SetTangemPayEnabledRequest
+import com.tangem.datasource.api.pay.models.request.VirtualAccountOrderRequest
 import com.tangem.datasource.api.pay.models.response.CustomerMeResponse
 import com.tangem.datasource.api.pay.models.response.OrderResponse
 import com.tangem.datasource.local.visa.TangemPayCardFrozenStateStore
@@ -38,7 +39,7 @@ import javax.inject.Inject
 
 private const val VALID_STATUS = "valid"
 
-@Suppress("LongParameterList")
+@Suppress("LongParameterList", "TooManyFunctions")
 internal class DefaultOnboardingRepository @Inject constructor(
     private val analytics: AnalyticsEventHandler,
     private val dispatcherProvider: CoroutineDispatcherProvider,
@@ -113,7 +114,10 @@ internal class DefaultOnboardingRepository @Inject constructor(
     ): Either<VisaApiError, BankCredentials> {
         return requestHelper.performRequest(userWalletId) { authHeader ->
             tangemPayApi.getBankCredentials(authHeader = authHeader, productInstanceId = productInstanceId)
-        }.map { response -> BankCredentialsConverter.convert(response) }
+        }.flatMap { response ->
+            val result = response.result ?: return@flatMap VisaApiError.UnknownWithoutCode.left()
+            BankCredentialsConverter.convert(result).right()
+        }
     }
 
     override suspend fun isTangemPayDeactivated(userWalletId: UserWalletId): Boolean {
@@ -167,6 +171,34 @@ internal class DefaultOnboardingRepository @Inject constructor(
             }
         }
 
+    override suspend fun createVirtualAccountOrder(
+        userWalletId: UserWalletId,
+        paymentAccountAddress: String,
+    ): Either<VisaApiError, String> = withContext(dispatcherProvider.io) {
+        requestHelper.performRequest(userWalletId) { authHeader ->
+            tangemPayApi.createVirtualAccountOrder(
+                authHeader = authHeader,
+                body = VirtualAccountOrderRequest(
+                    data = VirtualAccountOrderRequest.Data(depositAddress = paymentAccountAddress),
+                    idempotencyKey = UUID.randomUUID().toString(),
+                ),
+            )
+        }.map { response -> requireNotNull(response.result).id }
+    }
+
+    override suspend fun getVirtualAccountOrderId(userWalletId: UserWalletId): String? =
+        withContext(dispatcherProvider.io) {
+            val customerWalletAddress = requestHelper.getCustomerWalletAddress(userWalletId)
+            tangemPayStorage.getVirtualAccountOrderId(customerWalletAddress)
+        }
+
+    override suspend fun storeVirtualAccountOrderId(userWalletId: UserWalletId, vaOrderId: String) {
+        withContext(dispatcherProvider.io) {
+            val customerWalletAddress = requestHelper.getCustomerWalletAddress(userWalletId)
+            tangemPayStorage.storeVirtualAccountOrderId(customerWalletAddress, vaOrderId)
+        }
+    }
+
     private fun getUserWallet(userWalletId: UserWalletId): UserWallet {
         return userWalletsListRepository.userWallets.value?.firstOrNull { it.walletId == userWalletId }
             ?: error("no userWallet found")
@@ -181,7 +213,7 @@ internal class DefaultOnboardingRepository @Inject constructor(
         sendKycAnalytics(customerInfo.kycStatus)
 
         // Keep the per-card frozen state up to date for every card.
-        customerInfo.productInstances.forEach { instance ->
+        customerInfo.cardProductInstances.forEach { instance ->
             cardFrozenStateStore.store(key = instance.cardId, value = instance.frozenState)
         }
 
diff --git a/data/visa/src/main/kotlin/com/tangem/data/pay/util/BankCredentialsConverter.kt b/data/visa/src/main/kotlin/com/tangem/data/pay/util/BankCredentialsConverter.kt
index 4f027487a6..2f028c7ba4 100644
--- a/data/visa/src/main/kotlin/com/tangem/data/pay/util/BankCredentialsConverter.kt
+++ b/data/visa/src/main/kotlin/com/tangem/data/pay/util/BankCredentialsConverter.kt
@@ -4,8 +4,8 @@ import com.tangem.datasource.api.pay.models.response.BankCredentialsResponse
 import com.tangem.domain.models.account.BankCredentials
 import com.tangem.utils.converter.Converter
 
-internal object BankCredentialsConverter : Converter<BankCredentialsResponse, BankCredentials> {
-    override fun convert(value: BankCredentialsResponse): BankCredentials {
+internal object BankCredentialsConverter : Converter<BankCredentialsResponse.Result, BankCredentials> {
+    override fun convert(value: BankCredentialsResponse.Result): BankCredentials {
         return BankCredentials(
             type = value.type.orEmpty(),
             beneficiaryName = value.beneficiaryName.orEmpty(),
diff --git a/data/visa/src/main/kotlin/com/tangem/data/pay/util/CustomerInfoConverter.kt b/data/visa/src/main/kotlin/com/tangem/data/pay/util/CustomerInfoConverter.kt
index 2fd76d8480..1a2a8c5d54 100644
--- a/data/visa/src/main/kotlin/com/tangem/data/pay/util/CustomerInfoConverter.kt
+++ b/data/visa/src/main/kotlin/com/tangem/data/pay/util/CustomerInfoConverter.kt
@@ -57,7 +57,7 @@ internal object CustomerInfoConverter : Converter<CustomerMeResponse.Result, Cus
         val name = displayName?.ifEmpty { null }
         return ProductInstance(
             id = id,
-            cardId = cardId,
+            cardId = cardId.orEmpty(),
             frozenState = cardFrozenState,
             status = status,
             displayName = if (name != null) CardDisplayName(name).getOrElse { null } else null,
diff --git a/data/visa/src/main/kotlin/com/tangem/data/pay/util/TangemPayErrorConverter.kt b/data/visa/src/main/kotlin/com/tangem/data/pay/util/TangemPayErrorConverter.kt
index 23ee03289a..7034052655 100644
--- a/data/visa/src/main/kotlin/com/tangem/data/pay/util/TangemPayErrorConverter.kt
+++ b/data/visa/src/main/kotlin/com/tangem/data/pay/util/TangemPayErrorConverter.kt
@@ -6,6 +6,7 @@ import com.tangem.datasource.api.pay.models.response.TangemPayErrorResponse
 import com.tangem.datasource.di.NetworkMoshi
 import com.tangem.domain.visa.error.VisaApiError
 import com.tangem.utils.converter.Converter
+import com.tangem.utils.logging.TangemLogger
 import javax.inject.Inject
 import javax.inject.Singleton
 
@@ -23,7 +24,7 @@ internal class TangemPayErrorConverter @Inject constructor(
             if (value.code == ApiResponseError.HttpException.Code.UNAUTHORIZED) return VisaApiError.RefreshTokenExpired
 
             val errorBody = value.errorBody ?: return VisaApiError.UnknownWithoutCode
-            return runCatching {
+            runCatching {
                 tangemPayErrorAdapter.fromJson(errorBody)?.error?.code ?: value.code.numericCode
             }.map {
                 VisaApiError.fromBackendError(it)
@@ -31,6 +32,7 @@ internal class TangemPayErrorConverter @Inject constructor(
                 VisaApiError.UnknownWithoutCode
             }
         } else {
+            TangemLogger.e("Not HttpException. ${value.message}", value)
             VisaApiError.UnknownWithoutCode
         }
     }
diff --git a/data/visa/src/mocked/kotlin/com/tangem/data/pay/repository/MockAwareOnboardingRepository.kt b/data/visa/src/mocked/kotlin/com/tangem/data/pay/repository/MockAwareOnboardingRepository.kt
index 14dcad9d79..7411509b11 100644
--- a/data/visa/src/mocked/kotlin/com/tangem/data/pay/repository/MockAwareOnboardingRepository.kt
+++ b/data/visa/src/mocked/kotlin/com/tangem/data/pay/repository/MockAwareOnboardingRepository.kt
@@ -24,6 +24,7 @@ internal class MockAwareOnboardingRepository @Inject constructor(
 ) : OnboardingRepository {
 
     private val mockOrderIds: MutableSet<UserWalletId> = ConcurrentHashMap.newKeySet()
+    private val mockVaOrderIds: MutableSet<UserWalletId> = ConcurrentHashMap.newKeySet()
 
     private val isMockMode: Boolean
         get() = apiConfigsManager
@@ -74,6 +75,30 @@ internal class MockAwareOnboardingRepository @Inject constructor(
         return real.getOrderId(userWalletId)
     }
 
+    override suspend fun createVirtualAccountOrder(
+        userWalletId: UserWalletId,
+        paymentAccountAddress: String,
+    ): Either<VisaApiError, String> {
+        if (isMockMode) {
+            mockVaOrderIds.add(userWalletId)
+            return MOCK_VA_ORDER_ID.right()
+        }
+        return real.createVirtualAccountOrder(userWalletId, paymentAccountAddress)
+    }
+
+    override suspend fun getVirtualAccountOrderId(userWalletId: UserWalletId): String? {
+        if (isMockMode) return MOCK_VA_ORDER_ID.takeIf { userWalletId in mockVaOrderIds }
+        return real.getVirtualAccountOrderId(userWalletId)
+    }
+
+    override suspend fun storeVirtualAccountOrderId(userWalletId: UserWalletId, vaOrderId: String) {
+        if (isMockMode) {
+            mockVaOrderIds.add(userWalletId)
+            return
+        }
+        real.storeVirtualAccountOrderId(userWalletId, vaOrderId)
+    }
+
     override suspend fun hasTangemPayInWallet(userWalletId: UserWalletId): Either<VisaApiError, Boolean> =
         real.hasTangemPayInWallet(userWalletId)
 
@@ -112,5 +137,6 @@ internal class MockAwareOnboardingRepository @Inject constructor(
 
     private companion object {
         const val MOCK_ORDER_ID = "mock-order-id"
+        const val MOCK_VA_ORDER_ID = "mock-va-order-id"
     }
 }
\ No newline at end of file
diff --git a/data/visa/src/test/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcherTest.kt b/data/visa/src/test/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcherTest.kt
index e0c4bcc677..e916df8fbc 100644
--- a/data/visa/src/test/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcherTest.kt
+++ b/data/visa/src/test/kotlin/com/tangem/data/pay/flow/DefaultPaymentAccountStatusFetcherTest.kt
@@ -193,7 +193,7 @@ internal class DefaultPaymentAccountStatusFetcherTest {
 
     @Nested
     @TestInstance(TestInstance.Lifecycle.PER_CLASS)
-    inner class `resolveVirtualAccountOnramp` {
+    inner class ResolveVirtualAccountOnramp {
 
         @Test
         fun `GIVEN feature toggle is off WHEN invoke THEN virtualAccount is null`() = runTest {
diff --git a/data/visa/src/test/kotlin/com/tangem/data/pay/util/BankCredentialsConverterTest.kt b/data/visa/src/test/kotlin/com/tangem/data/pay/util/BankCredentialsConverterTest.kt
index 6ec1cceb6c..c514bd2cfe 100644
--- a/data/visa/src/test/kotlin/com/tangem/data/pay/util/BankCredentialsConverterTest.kt
+++ b/data/visa/src/test/kotlin/com/tangem/data/pay/util/BankCredentialsConverterTest.kt
@@ -10,7 +10,7 @@ internal class BankCredentialsConverterTest {
     @Test
     fun `GIVEN full response WHEN convert THEN all fields mapped`() {
         // Arrange
-        val response = BankCredentialsResponse(
+        val response = BankCredentialsResponse.Result(
             type = "fiat",
             beneficiaryName = "Ivan Ivanov",
             beneficiaryAddress = "18, Rue Rubens 20, Paris, Ile-de-France 75013, US",
@@ -39,7 +39,7 @@ internal class BankCredentialsConverterTest {
     @Test
     fun `GIVEN null fields WHEN convert THEN mapped to empty strings`() {
         // Arrange
-        val response = BankCredentialsResponse(
+        val response = BankCredentialsResponse.Result(
             type = null,
             beneficiaryName = null,
             beneficiaryAddress = null,
diff --git a/domain/visa/src/main/kotlin/com/tangem/domain/pay/model/CustomerInfo.kt b/domain/visa/src/main/kotlin/com/tangem/domain/pay/model/CustomerInfo.kt
index 752773bb5f..f7456bdec2 100644
--- a/domain/visa/src/main/kotlin/com/tangem/domain/pay/model/CustomerInfo.kt
+++ b/domain/visa/src/main/kotlin/com/tangem/domain/pay/model/CustomerInfo.kt
@@ -38,6 +38,10 @@ data class CustomerInfo(
     /** Transitional single-card accessor — returns the first card, or null if none. */
     val cardInfo: CardInfo? get() = cards.firstOrNull()
 
+    /** Card-level product instances only (excludes the VA ACCOUNT instance). */
+    val cardProductInstances: List<ProductInstance>
+        get() = productInstances.filter { it.specificationDataType == ProductInstance.SpecificationDataType.CARD }
+
     enum class State {
         NEW,
         ACTIVE,
diff --git a/domain/visa/src/main/kotlin/com/tangem/domain/pay/repository/OnboardingRepository.kt b/domain/visa/src/main/kotlin/com/tangem/domain/pay/repository/OnboardingRepository.kt
index 169c6ed172..0144c57488 100644
--- a/domain/visa/src/main/kotlin/com/tangem/domain/pay/repository/OnboardingRepository.kt
+++ b/domain/visa/src/main/kotlin/com/tangem/domain/pay/repository/OnboardingRepository.kt
@@ -8,6 +8,7 @@ import com.tangem.domain.models.wallet.UserWalletId
 import com.tangem.domain.pay.model.CustomerInfo
 import com.tangem.domain.visa.error.VisaApiError
 
+@Suppress("TooManyFunctions")
 interface OnboardingRepository {
 
     suspend fun validateDeeplink(link: String): Either<UniversalError, Boolean>
@@ -30,6 +31,16 @@ interface OnboardingRepository {
 
     suspend fun getOrderId(userWalletId: UserWalletId): String?
 
+    /** Creates a Virtual Account on-ramp order (VA MVP0, TWI-1638); returns the created order id. */
+    suspend fun createVirtualAccountOrder(
+        userWalletId: UserWalletId,
+        paymentAccountAddress: String,
+    ): Either<VisaApiError, String>
+
+    suspend fun getVirtualAccountOrderId(userWalletId: UserWalletId): String?
+
+    suspend fun storeVirtualAccountOrderId(userWalletId: UserWalletId, vaOrderId: String)
+
     suspend fun hasTangemPayInWallet(userWalletId: UserWalletId): Either<VisaApiError, Boolean>
 
     suspend fun checkCustomerEligibility(): List<TangemPayEligibilityType>
diff --git a/domain/visa/src/main/kotlin/com/tangem/domain/pay/usecase/CreateVirtualAccountOrderUseCase.kt b/domain/visa/src/main/kotlin/com/tangem/domain/pay/usecase/CreateVirtualAccountOrderUseCase.kt
new file mode 100644
index 0000000000..40829912ba
--- /dev/null
+++ b/domain/visa/src/main/kotlin/com/tangem/domain/pay/usecase/CreateVirtualAccountOrderUseCase.kt
@@ -0,0 +1,40 @@
+package com.tangem.domain.pay.usecase
+
+import arrow.core.Either
+import arrow.core.raise.either
+import com.tangem.domain.models.wallet.UserWalletId
+import com.tangem.domain.pay.model.OrderStatus
+import com.tangem.domain.pay.model.TangemPayOrderInfo
+import com.tangem.domain.pay.repository.OnboardingRepository
+import com.tangem.domain.visa.error.VisaApiError
+
+/**
+ * Creates the Virtual Account on-ramp order (VA MVP0, TWI-1638) and persists the returned id as `vaOrderId`.
+ *
+ * Idempotent: if an order id was already stored for the wallet, it is returned without hitting the network.
+ * Otherwise creates the order (`ACCOUNT_ISSUE_VIRTUAL_RAIN`) and stores the returned id.
+ *
+ * @property onboardingRepository resolves the customer wallet address, creates the order, and persists the id.
+ */
+class CreateVirtualAccountOrderUseCase(
+    private val onboardingRepository: OnboardingRepository,
+    private val pollingUseCase: StartTangemPayOrderPollingUseCase,
+) {
+    suspend operator fun invoke(
+        userWalletId: UserWalletId,
+        paymentAccountAddress: String,
+    ): Either<VisaApiError, Unit> = either {
+        onboardingRepository.getVirtualAccountOrderId(userWalletId)
+            ?: run {
+                val vaOrderId = onboardingRepository.createVirtualAccountOrder(
+                    userWalletId = userWalletId,
+                    paymentAccountAddress = paymentAccountAddress,
+                ).bind()
+                onboardingRepository.storeVirtualAccountOrderId(userWalletId = userWalletId, vaOrderId = vaOrderId)
+                pollingUseCase.invoke(
+                    order = TangemPayOrderInfo(orderId = vaOrderId, orderStatus = OrderStatus.NEW),
+                    userWalletId = userWalletId,
+                )
+            }
+    }
+}
\ No newline at end of file
diff --git a/domain/visa/src/test/kotlin/com/tangem/domain/pay/usecase/CreateVirtualAccountOrderUseCaseTest.kt b/domain/visa/src/test/kotlin/com/tangem/domain/pay/usecase/CreateVirtualAccountOrderUseCaseTest.kt
new file mode 100644
index 0000000000..f285cf4bcf
--- /dev/null
+++ b/domain/visa/src/test/kotlin/com/tangem/domain/pay/usecase/CreateVirtualAccountOrderUseCaseTest.kt
@@ -0,0 +1,63 @@
+package com.tangem.domain.pay.usecase
+
+import arrow.core.left
+import arrow.core.right
+import com.google.common.truth.Truth.assertThat
+import com.tangem.domain.models.wallet.UserWalletId
+import com.tangem.domain.pay.repository.OnboardingRepository
+import com.tangem.domain.visa.error.VisaApiError
+import io.mockk.coEvery
+import io.mockk.coVerify
+import io.mockk.mockk
+import kotlinx.coroutines.test.runTest
+import org.junit.jupiter.api.Test
+
+internal class CreateVirtualAccountOrderUseCaseTest {
+
+    private val onboardingRepository: OnboardingRepository = mockk(relaxUnitFun = true)
+    private val pollingUseCase: StartTangemPayOrderPollingUseCase = mockk(relaxed = true)
+    private val useCase = CreateVirtualAccountOrderUseCase(onboardingRepository, pollingUseCase)
+
+    private val userWalletId = UserWalletId("1234567890ABCDEF")
+    private val paymentAccountAddress = "0xcollateral"
+
+    @Test
+    fun `GIVEN stored va order id WHEN invoke THEN skips creation and polling`() = runTest {
+        coEvery { onboardingRepository.getVirtualAccountOrderId(userWalletId) } returns "existing-id"
+
+        val result = useCase(userWalletId, paymentAccountAddress)
+
+        assertThat(result.isRight()).isTrue()
+        coVerify(exactly = 0) { onboardingRepository.createVirtualAccountOrder(any(), any()) }
+        coVerify(exactly = 0) { onboardingRepository.storeVirtualAccountOrderId(any(), any()) }
+        coVerify(exactly = 0) { pollingUseCase.invoke(any(), any()) }
+    }
+
+    @Test
+    fun `GIVEN no stored id and create succeeds WHEN invoke THEN stores id and starts polling`() = runTest {
+        coEvery { onboardingRepository.getVirtualAccountOrderId(userWalletId) } returns null
+        coEvery {
+            onboardingRepository.createVirtualAccountOrder(userWalletId, paymentAccountAddress)
+        } returns "new-id".right()
+
+        val result = useCase(userWalletId, paymentAccountAddress)
+
+        assertThat(result.isRight()).isTrue()
+        coVerify(exactly = 1) { onboardingRepository.storeVirtualAccountOrderId(userWalletId, "new-id") }
+        coVerify(exactly = 1) { pollingUseCase.invoke(any(), userWalletId) }
+    }
+
+    @Test
+    fun `GIVEN no stored id and create fails WHEN invoke THEN returns error and does not store or poll`() = runTest {
+        coEvery { onboardingRepository.getVirtualAccountOrderId(userWalletId) } returns null
+        coEvery {
+            onboardingRepository.createVirtualAccountOrder(userWalletId, paymentAccountAddress)
+        } returns VisaApiError.Unspecified.left()
+
+        val result = useCase(userWalletId, paymentAccountAddress)
+
+        assertThat(result.leftOrNull()).isEqualTo(VisaApiError.Unspecified)
+        coVerify(exactly = 0) { onboardingRepository.storeVirtualAccountOrderId(any(), any()) }
+        coVerify(exactly = 0) { pollingUseCase.invoke(any(), any()) }
+    }
+}
\ No newline at end of file