ViZO APIMerchant docs

Virtual accounts, charges, transfers, balances, and webhooks.

Virtual accounts

Initiate charge

Virtual Accounts

Fixed VA per customer reference. Settles to merchant balance.

Charges

Hosted invoices with redirect checkout and history.

Transfers

Bank, mobile money, Smart, crypto — quote then confirm.

Balances & webhooks

Multi-currency balances and settlement callbacks.

Quick start

Create a merchant API key (ZMPRO- / ZMDEV-).
Call https://api.vizo.app/api/m1/... with Bearer auth.
Use the cURL / TypeScript / Python / PHP tabs on each endpoint.

Auth

http

Authorization: Bearer ZMPRO-<live-key>

Sections

Section	Purpose
Introduction	Auth, base URL, envelopes
Virtual Accounts	Generate / update / read VAs
Charge	Invoices & history
Transfer	Payouts & bank utilities
Account Balance	Balances
Misc	Lists & lookup
Webhooks	VA settlement callback