Emaal Virtual Accounts API - Emaal Virtual Accounts API

This is the merchant-facing Virtual Accounts API. Use it to issue collection account numbers, show payers how to pay, list settled credits, and receive payment.paid webhooks. Base URL: https://crypto.westminister.tech/business-api All authenticated calls use:

Authorization: Bearer <access-token>

What You Can Do

Read your primary virtual account, or provision extra accounts (brand, subscriber, invoice, currency).
Show payers M-Pesa, PesaLink, and RTGS instructions for that account number.
Optionally send an M-Pesa STK Push prompt to a phone.
List inbound payments and register a webhook for payment.paid.

Account Types

Purpose	Reuse	Typical Use
Primary (activation)	Permanent	One collection number for your merchant
Brand	Permanent	One number per shop or brand
Subscriber	Permanent	One number per end customer, reused every cycle
Invoice	Single use	One number per bill. Amount and expiry are enforced
Currency	Permanent	A dedicated number for `KES` or `USD`

Credits are matched by virtual account number. You do not need to parse bank rails yourself.

Out of Scope

This document covers collection into virtual accounts only. It does not describe admin tools, payouts, or other Emaal products.