Invoice VA - Emaal Virtual Accounts API

An invoice virtual account is a temporary number for one checkout. The amount and expiry are enforced. Do not reuse the number after the bill is paid, expired, or cancelled.

Create Bill

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

{
  "paymentReference": "INV-2026-1044",
  "amount": 2500.00,
  "currency": "KES",
  "expiresAt": "2026-09-12T21:00:00Z",
  "provisionInvoiceVa": true
}

provisionInvoiceVa defaults to true. Optional: subMerchantId, customerId.

{
  "id": "721e86a8-fd29-49b5-b42f-67e19dfb2f6e",
  "merchantId": "301f0991-8f7c-4501-a1d4-c317fe7b7f23",
  "paymentReference": "INV-2026-1044",
  "amount": 2500.00,
  "currency": "KES",
  "status": "OPEN",
  "expiresAt": "2026-09-12T21:00:00Z",
  "matchedCreditId": null,
  "virtualAccountId": "dae3dc89-dd62-42cb-84a9-d884e8d6f536",
  "virtualAccountNumber": "7600000073",
  "createdAt": "2026-09-09T10:00:00.000Z"
}

Put virtualAccountNumber on the checkout screen. Load ready-to-show copy with GET https://vas.finpaytech.co/business-api/api/v1/merchants/me/payment-options?expectedPaymentId={id}. When the payer sends the exact amount before expiresAt, status becomes MATCHED and matchedCreditId is set.

List, Get, Cancel

GET https://vas.finpaytech.co/business-api/api/v1/merchants/me/expected-payments
GET https://vas.finpaytech.co/business-api/api/v1/merchants/me/expected-payments/{expectedPaymentId}
POST https://vas.finpaytech.co/business-api/api/v1/merchants/me/expected-payments/{expectedPaymentId}/cancel

Cancel is for OPEN bills only.