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Managing credit lines | Developer Documentation

Managing credit lines

Updated: Dec 12, 2025
This document describes how Solution Partners can share and revoke lines of credit with onboarded business customers.
Billing Liability Disclosure
Business customers that you onboard through Embedded Signup must be granted access to your line of credit with Meta to pay for WhatsApp Business Platform access. This means that businesses pay you, and you receive an aggregated invoice to pay Meta.
You are the “Bill To Party” for all businesses sharing your credit line. You are liable for and will pay Meta for all WhatsApp Business Platform spend made by these businesses.
You can grant access to your line of credit using the APIs described in this document. You can revoke access to your line of credit for individual businesses within the Meta Business Suite⁠ or with a series of API calls.

Authentication and authorization

Nearly all credit line related endpoints require your system user access token. In addition, the system user who the token represents must have granted your app the business_management permission, and must have been granted an Admin or Financial Editor role on your business portfolio.

Get your credit line ID

Nearly all API calls related to credit lines require your credit line ID. Use the GET /<BUSINESS_ID>/extendedcredits endpoint to get your business portfolio’s credit line ID.

Request syntax

curl 'https://graph.facebook.com/<API_VERSION>/<BUSINESS_ID>/extendedcredits' \
-H 'Authorization: Bearer <ACCESS_TOKEN>'
Request example
curl 'https://graph.facebook.com/v24.0/102289599326934/extendedcredits' \
-H 'Authorization: Bearer EAAJi...'
Response
Upon success, the API will return the business portfolio’s extended credit line ID (“credit line ID”).
{
  "data": [
    {
      "id": "1972385232742146"
    }
  ]
}
Sharing your credit line




We are currently testing new steps for sharing your credit line with onboarded business customers. These steps will eventually replace this step, so if you wish to implement these steps now, refer to the Alternate method for sharing your credit line below.


Use the POST /<EXTENDED_CREDIT_LINE_ID>/whatsapp_credit_sharing_and_attach endpoint to share your credit line with an onboarded business customer.






Request
syntax
curl -X POST 'https://graph.facebook.com/<API_VERSION>/<EXTENDED_CREDIT_LINE_ID>/whatsapp_credit_sharing_and_attach?waba_currency=<CUSTOMER_BUSINESS_CURRENCY>&waba_id=<CUSTOMER_WABA_ID>' \
-H 'Authorization: Bearer <SYSTEM_TOKEN>'
Request parameters








Placeholder 

Description 

Example value 






<CUSTOMER_BUSINESS_CURRENCY>





Required.


The business’s currency, as a three-letter currency code. Support values are:


    AUDEURGBPIDRINRUSD

    This currency is used for invoicing and corresponds to pricing rates.
    


    

    USD
    



    

    <CUSTOMER_WABA_ID>
    


    

    Required.
    

    The customer’s WABA ID.
    


    

    102290129340398
    



    

    <EXTENDED_CREDIT_LINE_ID>
    


    

    Required.
    

    Your extended credit line ID.
    


    

    1972385232742146
    



    

    <SYSTEM_TOKEN>
    


    

    Required.
    

    Your system token.
    


    

    EAAAN6tcBzAUBOZC82CW7iR2LiaZBwUHS4Y7FDtQxRUPy1PHZClDGZBZCgWdrTisgMjpFKiZAi1FBBQNO2IqZBAzdZAA16lmUs0XgRcCf6z1LLxQCgLXDEpg80d41UZBt1FKJZCqJFcTYXJvSMeHLvOdZwFyZBrV9ZPHZASSqxDZBUZASyFdzjiy2A1sippEsF4DVV5W2IlkOSr2LrMLuYoNMYBy8xQczzOKDOMccqHEZD
    

    

    

    

    Response
    

    Upon success:
    

    

    {
    
"allocation_config_id":
    
"58501441721238",
    
"waba_id":
    
"102290129340398"
}
    Response parameters
    

    

    



Placeholder 

Description 

Example value 




    

    <ALLOCATION_CONFIGURATION_ID>
    


    

    The extended credit line’s allocation configuration ID.
    

    Save this ID if you want to verify that your credit line has been shared with the customer.
    


    

    58501441721238
    



    

    <CUSTOMER_WABA_ID>
    


    

    The customer’s WABA ID.
    


    

    102290129340398
    

    

    

    Alternate
method for sharing your credit line
    We are currently testing new steps for sharing your credit line with onboarded business customers. These steps are described below, and will eventually replace the current method for sharing your credit line with an onboarded customer.
    Step 1: Get your customer’s business portfolio ID
    Use the GET /<WABA_ID> endpoint and request the owner_business_info field to get the business customer’s business portfolio ID.
    Request syntax
    curl --get 'https://graph.facebook.com/v21.0/<WABA_ID>?fields=owner_business_info' \
-H 'Authorization: Bearer <BUSINESS_TOKEN>'
    Request parameters
    
Placeholder

Description

Example value

    <BUSINESS_TOKEN>
    Required.
    The customer’s business token.
    EAAAN6tcBzAUBOwtDtTfmZCJ9n3FHpSDcDTH86ekf89XnnMZAtaitMUysPDE7LES3CXkA4MmbKCghdQeU1boHr0QZA05SShiILcoUy7ZAb2GE7hrUEpYHKLDuP2sYZCURkZCHGEvEGjScGLHzC4KDm8tq2slt4BsOQE1HHX8DzHahdT51MRDqBw0YaeZByrVFZkVAoVTxXUtuKgDDdrmJQXMnI4jqJYetsZCP1efj5ygGscZBm4OvvuCYB039ZAFlyNn
    <WABA_ID>
    Required.
    The customer’s WABA ID.
    102290129340398
    Response syntax
    Upon success:
    {
  "owner_business_info": {
    "name": "<BUSINESS_PORTFOLIO_NAME>",
    "id": "<BUSINESS_PORTFOLIO_ID>"
  },
  "id": "<WABA_ID>"
}
    Response parameters
    
Placeholder

Description

Example value

    <BUSINESS_PORTFOLIO_ID>
    The customer’s business portfolio ID.
    2729063490586005
    <BUSINESS_PORTFOLIO_NAME>
    The customer’s business portfolio name.
    Wind & Wool
    <WABA_ID>
    The customer’s WABA ID.
    102290129340398
    Step 2: Share your credit line with the customer’s business
    Use the POST /<EXTENDED_CREDIT_ID>/whatsapp_credit_sharing endpoint and your system token to indicate your intent to share your credit line with the customer’s business portfolio.
    Request syntax
    curl -X POST 'https://graph.facebook.com/<API_VERSION>/<EXTENDED_CREDIT_LINE_ID>/whatsapp_credit_sharing?receiving_business_id=<BUSINESS_PORTFOLIO_ID>' \
-H 'Authorization: Bearer <SYSTEM_TOKEN>'
    Request parameters
    
Placeholder

Description

Example value

    <EXTENDED_CREDIT_LINE_ID>
    Required.
    Your extended credit line ID.
    5985499441566032
    <BUSINESS_PORTFOLIO_ID>
    Required.
    The customer’s business portfolio ID.
    2729063490586005
    <SYSTEM_TOKEN>
    Required.
    You system user access token.
    EAAAN6tcBzAUBOZC82CW7iR2LiaZBwUHS4Y7FDtQxRUPy1PHZClDGZBZCgWdrTisgMjpFKiZAi1FBBQNO2IqZBAzdZAA16lmUs0XgRcCf6z1LLxQCgLXDEpg80d41UZBt1FKJZCqJFcTYXJvSMeHLvOdZwFyZBrV9ZPHZASSqxDZBUZASyFdzjiy2A1sippEsF4DVV5W2IlkOSr2LrMLuYoNMYBy8xQczzOKDOMccqHEZD
    Response example
    Upon success:
      "success": true,
  "allocation_config_id": "58501441721238"
}
    Response parameters
    
Placeholder

Description

Example value

    <ALLOCATION_CONFIG_ID>
    The extended credit line’s allocation configuration ID.
    58501441721238
    Step 3: Attach your credit line to the customer’s WABA
    Use the POST /<EXTENDED_CREDIT_LINE_ID>/whatsapp_credit_attach endpoint to attach your credit line to the customer’s WABA.
    Note: Credit lines cannot be changed after being attached to a WABA. If the WABA needs a different credit line, a new WABA must be created and the new credit line can then be attached to it.
    Request syntax
    curl -X POST 'https://graph.facebook.com/v21.0/<EXTENDED_CREDIT_LINE_ID>/whatsapp_credit_attach?waba_currency=<WABA_CURRENCY>&waba_id=<WABA_ID>' \
-H 'Authorization: Bearer <BUSINESS_TOKEN>'
    Request parameters
    
Placeholder

Description

Example value

    <BUSINESS_TOKEN>
    Required.
    The customer’s business token.
    EAAAN6tcBzAUBOwtDtTfmZCJ9n3FHpSDcDTH86ekf89XnnMZAtaitMUysPDE7LES3CXkA4MmbKCghdQeU1boHr0QZA05SShiILcoUy7ZAb2GE7hrUEpYHKLDuP2sYZCURkZCHGEvEGjScGLHzC4KDm8tq2slt4BsOQE1HHX8DzHahdT51MRDqBw0YaeZByrVFZkVAoVTxXUtuKgDDdrmJQXMnI4jqJYetsZCP1efj5ygGscZBm4OvvuCYB039ZAFlyNn
    <EXTENDED_CREDIT_LINE_ID>
    Required.
    Your extended credit line ID.
    5985499441566032
    <WABA_ID>
    Required.
    The customer’s WABA ID.
    102290129340398
    <WABA_CURRENCY>
    Required.
    The customer’s business currency.
    USD
    Response syntax
    Upon success:
    {
  "success": true,
  "waba_id": "<WABA_ID>",
  "allocation_config_id": "<ALLOCATION_CONFIG_ID>"
}
    Response parameters
    
Placeholder

Description

Example value

    <ALLOCATION_CONFIG_ID>
    The extended credit line’s allocation configuration ID.
    Save this ID if you want to verify that your credit line has been shared with the customer.
    58501441721238
    <WABA_ID>
    The customer’s WABA ID.
    102290129340398
    Your credit line should now be shared with the business customer. If you want to verify that it has in fact been shared, see Verifying that your credit line has been shared with a customer.
    Verifying shared status
    Perform the following queries if you want to make sure that your credit line has been shared with an onboarded business customer.
    Step 1: Get credit line’s receiving credential
    Use the GET /<EXTENDED_CREDIT_ALLOCATION_ID> endpoint to request the receiving_credential field on your extended credit allocation ID (returned when you shared your credit line with the business customer).
    Request syntax
    curl 'https://graph.facebook.com/<API_VERSION>/<EXTENDED_CREDIT_ALLOCATION_ID>?fields=receiving_credential' \
-H 'Authorization: Bearer <SYSTEM_TOKEN>'
    Response syntax
    Upon success:
    {
  "receiving_credential": {
    "id": "<RECEIVING_CREDENTIAL_ID>"
  },
  "id": "<ALLOCATION_CONFIGURATION_ID>"
}
    Step 2: Get WABA’s primary funding ID
    Use the GET /<WABA> endpoint to request the primary_funding_id on the customer’s WABA ID.
    Request syntax
    curl 'https://graph.facebook.com/v21.0/<CUSTOMER_WABA_ID>/?fields=primary_funding_id' \
-H 'Authorization: Bearer <CUSTOMER_BUSINESS_TOKEN>'
    Response syntax
    Upon success:
    {
  "primary_funding_id": "<PRIMARY_FUNDING_ID>",
  "id": "<CUSTOMER_WABA_ID>"
}
    Step 3: Compare IDs
    Compare the receiving credential ID to the primary funding ID. If the values match, your credit line has been shared correctly with the business customer’s WABA.
    Revoke a shared credit line
    These are the steps needed to remove the shared line of credit if you need to revoke access for any reason. You can revoke your credit line whenever you feel the need to and/or when your client removes you as a partner from their WhatsApp Business Account.
    When you revoke a credit line from a customer’s account, that revocation applies to all WABAs that belong to the customer’s business and have been shared with you, the Solution Partner.
    Step 1: Get your credit line ID
    Example request
    curl -i -X GET "https://graph.facebook.com/v25.0/105954558954427/
  extendedcredits?fields=id,legal_entity_name&
  access_token=EAAFl..."

    Example response
    {
  "data": [
    {
      "id": "1972385232742146",   //Credit line ID
      "legal_entity_name": "Your Legal Entity",
    }
  ]
}
    Step 2: Get the customer’s business portfolio ID
    If the WhatsApp Business Account is currently shared with the Solution Partner, get the client’s business ID from the shared WhatsApp Business Account.


    In the following example, use the ID for the assigned WhatsApp Business Account.


    
Request:
    curl -i -X GET "https://graph.facebook.com/v25.0/
  <WHATSAPP_BUSINESS_ACCOUNT_ID>?fields=owner_business_info&
  access_token=<ACCESS_TOKEN>"

    Response:
    {
  "owner_business_info": {
    "name": "Client Business Name",
    "id": "1972385232742147"
  },
}
    If the WhatsApp Business Account was unshared with the Solution Partner or the client business removed the Solution Partner as a partner from the WhatsApp Business Account, you cannot access the client’s business ID from the above API call. See Unshared WhatsApp Business Account for information.
    Step 3: Get the customer’s credit sharing record
    In the following example, use your credit line ID as the extended credit ID.
    Request:
    curl -i -X GET "https://graph.facebook.com/<API_VERSION>/<EXTENDED_CREDIT_ID>/
  owning_credit_allocation_configs?
  receiving_business_id=<CLIENT_BUSINESS_ID>&
  fields=id,receiving_business&
  access_token=<SYSTEM_USER_ACCESS_TOKEN>"
    Response:
    {
  "id": "1972385232742140", // Allocation config (i.e., credit sharing) id
  "receiving_business": {
    "name": "Client Business Name"
    "id": "1972385232742147"
  },
}
    Step 4: Revoke credit sharing
    Request:
    curl -i -X DELETE "https://graph.facebook.com/v25.0/
  {allocation-config-id}?
  access_token={system-user-access-token}"

    Response:
    {
  "success": true,
}
    Step 5: Verify credit sharing was revoked (Optional)
    Request:
    curl -i -X GET "https://graph.facebook.com/v25.0/
  {allocation-config-id}?fields=receiving_business,request_status&
  access_token={system-user-access-token}"

    Response:
    {
  "receiving_business": {
    "name": "Customer Business Name"
    "id": "1972385232742147"
  },
  "request_status": "DELETED"
}
    Troubleshooting
    

    

    

    

    Unshared WhatsApp Business Accounts
    

    If a business customer unshares their WABA with you, or removes you as a partner from their WhatsApp Business Account, you will not be able to get their business portfolio ID via API.
    

    Instead, you can get their portfolio ID from the email notification that was sent to admins of the business portfolio, when the business customer removed you as a partner, or unshared their WABA.
    

    When WABA is unshared with you, all messaging for that WABA is blocked to protect your credit line. For complete security, we recommend that you revoke your credit line from the business customer’s WABA as soon as it has been unshared with you.
    

    

    

    

    See Also
    

      Reference: BusinessReference: WhatsApp Business AccountReference: Extended Credit
      
    
              
      
    
      

            
      
        
      
    
      

    
      

    
    
      
        
      
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