API Reference
Everything you need to integrate VitalPay into your application.
Base URL
https://pay.kmgvitallinks.co.uk/api/v1
Introduction
VitalPay is a single, JSON-first API for collecting payments and fulfilling value-added services across Africa and beyond. One integration, separated live and sandbox balances, one ledger — and a tiered category model so you only pay for the surfaces you actually use.
Payment Orchestration
Mobile money payments routed through EcoCash, InnBucks, OneMoney, and OMari, plus PayFast. Card payments (Stripe): coming soon.
Wallet & Settlements
Track an immutable double-entry ledger and request payouts to bank, mobile money, or wallet destinations.
Value Added Services
Airtime, mobile data, bills, electricity tokens, and gift cards — all behind a single normalised interface.
Virtual Cards
Issue, fund, freeze, and terminate Visa (GBP) and Mastercard (USD) virtual cards on demand.
Tiered API Categories
Payment Orchestration
Initialize, verify, refund, and list transactions.
payments
Airtime & Data
Cross-network airtime and data APIs.
airtime
Bill Payments
Utilities, DStv, education, and partner bill services.
bills
Electricity
Prepaid electricity token purchase and history APIs.
electricity
Gift Cards
Gift card product catalogue, purchase, and order history APIs.
gift_cards
Virtual Cards
Issue single-load USD virtual cards (Visa/Mastercard), freeze, and terminate them. Live cards cannot be topped up after issuance or refunded on termination — Reloadly has no reload/cancel API for these cards.
virtual_cards
Wallet & Float
Account balance, ledger, float top-up, and settlement management.
wallet
Webhook Events
Webhook registration, signing, and delivery telemetry.
webhooks
White-Label Controls
Branding and embedded partner controls.
white_label
Analytics & Reporting
Operational analytics and performance reporting.
analytics
Quick start: grab a sandbox key from your developer dashboard, then jump to for your first request.