Payments - Emaal Virtual Accounts API

When a payer completes M-Pesa, PesaLink, or RTGS into a virtual account, a payment row is stored. You can poll this API and/or receive webhooks.

List

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

Get One

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

Sample Row

{
  "id": "70d9370e-62ad-4b97-a024-862feee88541",
  "merchantId": "301f0991-8f7c-4501-a1d4-c317fe7b7f23",
  "subMerchantId": null,
  "virtualAccountId": "9d6be39e-9465-4d67-a05a-4b366352bd64",
  "virtualAccountNumber": "7600000035",
  "virtualAccountName": "Emaal - WithLotus",
  "paymentReference": "INV-2026-1044",
  "amount": 130.00,
  "currency": "KES",
  "status": "SUCCESSFUL",
  "originatorAccountName": "JANE WANJIKU",
  "originatorAccountNumber": "2547*****890",
  "narration": "7600000035 INV-2026-1044",
  "attributionStatus": "ATTRIBUTED",
  "creditedAt": "2026-09-08T16:52:08.000Z",
  "createdAt": "2026-09-09T07:52:21.054Z"
}

Treat status: SUCCESSFUL as collected. Use virtualAccountNumber to see which account was credited.

Totals

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