Customers and Subscribers - Emaal Virtual Accounts API

A subscriber virtual account is a permanent number for one end customer. Reuse it every billing cycle. The customer pays from M-Pesa, PesaLink, or RTGS into that number.

Create Customer

POST https://vas.finpaytech.co/business-api/api/v1/merchants/me/customers
Authorization: Bearer <access-token>
Content-Type: application/json

{
  "displayName": "Jane Wanjiku",
  "externalRef": "crm-44019",
  "email": "jane@example.com",
  "phone": "254712345678"
}

externalRef is optional. Store your own CRM or subscription id there.

List and Get

GET https://vas.finpaytech.co/business-api/api/v1/merchants/me/customers
Authorization: Bearer <access-token>

Optional query: subMerchantId.

GET https://vas.finpaytech.co/business-api/api/v1/merchants/me/customers/{customerId}
Authorization: Bearer <access-token>

Issue the Subscriber Account

POST https://vas.finpaytech.co/business-api/api/v1/merchants/me/customers/{customerId}/virtual-account
Authorization: Bearer <access-token>

Returns 201 with purpose: SUBSCRIBER and accountNumber. Show that number on the customer’s billing screen. Fetch payer copy with GET https://vas.finpaytech.co/business-api/api/v1/merchants/me/payment-options?customerId={customerId}.