Introduction
The Merchant Accounts API lets you create dedicated bank collection accounts that receive customer payments. Each account is a real bank account assigned to your business. When a payment arrives, TemboPlus sends a notification to your system in real time.
What you can do
Allocate collection accounts — get dedicated bank account numbers instantly
Check account balances — monitor incoming collections in real time
Retrieve account statements — pull transaction history over a date range
Receive payment notifications — get notified the moment a payment lands
How it works
You call the API to allocate a new collection account
You receive a bank account number (with bank name and SWIFT code)
Your customers send payments to that account via bank transfer
TemboPlus sends a webhook notification to your system when the payment is reflected
Funds collected into merchant accounts can be settled into your TemboPlus collection wallets. See Wallet Management for balance and statement queries on those wallets.
Getting started
To integrate, you need:
From TemboPlus:
API Bearer Token (Token to authenticate all API requests)
API Base URL (The root endpoint for all API interactions.)
Webhook Secret Key (Key to verify incoming payment notifications)
Account Pool Details (Information about your available account allocation limit)
From Your Side:
Webhook URL (HTTPS endpoint for receiving notifications)
Email sales@temboplus.com to begin onboarding.
Environment notice
The Merchant Accounts API operates in production only. There is no sandbox environment. All accounts are real bank accounts and all transactions are live. Test carefully with small amounts.
Authentication
Every request requires these headers:
Authorization: Your API token prefixed withBearer.x-request-id: A UUID v4 you generate per request. Store this — it's how TemboPlus traces requests for support.
Never expose your API token in client-side code or public repositories. Store it in environment variables or a secrets manager
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