Understanding VAS
Value Added Services (VAS) are digital products that consumers buy on top of their core telecoms or banking services — for example, prepaid airtime, mobile data, electricity tokens, gaming vouchers, betting top-ups, and bill payments.
What The Pagamio VAS API Does
Pagamio aggregates many product providers (mobile network operators, electricity utilities, voucher publishers, bill payment networks) behind a single REST API. As an integrator, you talk only to Pagamio VAS API. We handle:
- Provider integration — connecting to the underlying networks and aggregators.
- Routing — automatically choosing which aggregator delivers a given product.
- Reconciliation — tracking each transaction through to a final settled state.
- Lookups — verifying account numbers, meter numbers, and bill amounts before purchase.
Core Concepts To Understand Before You Integrate
| Concept | Read |
|---|---|
| Where your account sits | Business Hierarchy |
| What you're allowed to do | Access & Permissions |
| What you can sell | Product Availability |
| How transactions progress | Transaction Lifecycle |
| How responses are shaped | Response Formats |
| How commissions are handled | Commissions |
A Typical End-to-End Flow
- Authenticate — obtain a Bearer token via
POST /auth/token. - Discover — call the catalog and lookup endpoints to identify the product and validate the customer's account/meter/bill.
- Purchase — call
POST /purchasewith the product code, amount, and customer identifier. - Confirm — for any non-terminal response, poll
POST /transactionsuntil the transaction reachesCOMPLETEDorFAILED. - Receipt — present the receipt fields returned in the response (or fetched via the transactions endpoint) to your end customer.
Last updated: April 2026