Introduction

Welcome to the VaultsPay SaaS Developer Portal. This guide helps you integrate your SaaS application with VaultsPay’s APIs to access a full suite of FinTech services — from user onboarding and KYC to multi-currency accounts, virtual & physical payment cards, and real-time webhooks.

VaultsPay is authorised and regulated by the financial authorities in the UAE as an Authorised Electronic Money Institution, licensed by the Central Bank of the UAE.

What you can build

With the VaultsPay API you can:

• Onboard end users with full KYC and identity verification.
• Open multi-currency accounts and generate dedicated IBANs.
• Issue virtual payment cards instantly, and convert them to physical cards.
• Accept and send payments via card, bank transfer, or internal wallet.
• Listen to real-time events through signed webhooks.
• Monitor everything through a single set of clean REST endpoints.

Base URL

All API calls should be made to:

https://api.vaultspay.ae/v1

A dedicated sandbox is available for testing — see Environments.

API design principles

• REST over HTTPS — predictable URLs and standard HTTP verbs.
• JSON everywhere — all requests and responses use application/json.
• Bearer token auth — API keys sent via the Authorization header.
• Predictable errors — machine-readable error codes with human-readable messages.
• Idempotent by design — safe retries for every mutating request.

Getting help

• Email: developers@vaultspay.ae
• Status page: status.vaultspay.ae
• Developer Slack: available on request when your account is approved.

Next steps

1. Authenticate your requests
2. Pick an environment
3. Make your first API call