Subaccounts

Run a marketplace, agency or franchise? Register each seller as a subaccount and NamibraPay splits every collection automatically — your commission first, the seller's share to their subaccount.

Create a subaccount

POST/api/v1/merchant/subaccounts

Authenticates with your API keys.

Body parameters

Parameter		Description
`businessName`	required	stringDisplay name of the subaccount, e.g. the seller's shop.
`percentageCharge`	required	numberPercentage of each split transaction retained by YOU (the parent); the remainder goes to the subaccount. E.g. 80 means the subaccount keeps 80%.

curl -X POST "https://api.namibrapay.com/api/v1/merchant/subaccounts" \
  -H "X-API-Key: pk_test_xxxxxxxxxxxxxxxx" \
  -H "X-API-Secret: sk_test_xxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "businessName": "Kofi's Kiosk",
    "percentageCharge": 90
  }'

201

{
  "success": true,
  "data": {
    "id": "sa_21fkj90d",
    "businessName": "Kofi's Kiosk",
    "percentageCharge": 90,
    "status": "active"
  }
}

Split a collection

Pass the subaccount's id as subaccountId on a collection. The split is applied automatically: your percentageCharge stays with the parent account and the rest is attributed to the subaccount.

curl -X POST "https://api.namibrapay.com/api/v1/transactions/collect" \
  -H "X-API-Key: pk_test_xxxxxxxxxxxxxxxx" \
  -H "X-API-Secret: sk_test_xxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 20000,
    "currency": "GHS",
    "channel": "mtn_momo",
    "payerIdentifier": "+233241234567",
    "reference": "ORDER-90041",
    "subaccountId": "sa_21fkj90d"
  }'

Managing subaccounts

GET/api/v1/merchant/subaccounts

List subaccounts and their settlement share.

Authenticates with your API keys.

PATCH/api/v1/merchant/subaccounts/{id}

Update a subaccount's details or commission percentage.

Authenticates with your API keys.

To review activity per seller, fetch their transactions directly with GET /merchant/sub-merchants/{id}/transactions.