Kulmi Pay is a payment platform built for African businesses. With a single API integration, you can accept payments through M-Pesa and PesaLink bank transfers. Today, live money movement support is centered on Kenya, with broader regional coverage planned over time. Whether you’re building a checkout flow or automating payouts, Kulmi Pay provides the infrastructure to do it reliably.Documentation Index
Fetch the complete documentation index at: https://developers.kulmipay.com/llms.txt
Use this file to discover all available pages before exploring further.
Quick Start
Make your first API call and receive a payment in under 10 minutes.
Authentication
Learn how to generate API tokens and authenticate every request.
Collections
Accept M-Pesa and PesaLink bank payments from your customers.
Send Money
Send money to M-Pesa wallets, Till and PayBill numbers, bank accounts, or KulmiPay wallets.
Webhooks
Receive real-time notifications when payments complete or fail.
API Reference
Full reference for every Kulmi Pay endpoint with request and response examples.
How it works
Create your account
Sign up at app.kulmipay.com and complete business verification to unlock live payments.
Get your API credentials
From your dashboard, navigate to API Applications to create an application and obtain your Public Key and Secret Key.
Test in the sandbox
Use
https://sandbox.kulmipay.com with sandbox credentials to simulate collections and send money flows without moving real money.Key capabilities
M-Pesa Payments
Trigger STK push prompts directly to your customers’ phones.
PesaLink Bank Payments
Collect bank payments from Kenyan customers through PesaLink.
Send Money
Pay hundreds of recipients in a single API call with full status tracking.
Wallet as a Service
Hold balances in KES, USD, EUR, and GBP with built-in forex exchange.
Hosted Checkout
Render a hosted checkout flow with M-Pesa and PesaLink options.
WooCommerce
Add KulmiPay checkout to a WordPress store with the WooCommerce plugin.