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KulmiPay is a payment platform built for businesses operating in Africa. With a single API integration, you can accept payments through M-Pesa, Visa/Mastercard, Apple Pay, Google Pay, and PesaLink bank transfers — and send money to mobile wallets and bank accounts across Kenya. Whether you’re building a checkout flow, automating payroll, or running recurring billing, KulmiPay provides the infrastructure to do it reliably.

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, card, and bank payments from your customers.

Disbursements

Send money to mobile wallets and bank accounts in bulk or one at a time.

Webhooks

Receive real-time notifications when payments complete or fail.

API Reference

Full reference for every KulmiPay endpoint with request and response examples.

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How it works

1

Create your account

Sign up at app.kulmipay.com and complete business verification to unlock live payments.
2

Get your API credentials

From your dashboard, navigate to API Applications to create an application and obtain your Client ID, Client Secret, and Public Key.
3

Test in the sandbox

Use https://sandbox.kulmipay.com with sandbox credentials to simulate collections and disbursements without moving real money.
4

Go live

Switch your base URL to https://app.kulmipay.com and your live credentials to start processing real transactions.

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Key capabilities

M-Pesa Payments

Trigger STK push prompts directly to your customers’ phones.

Card Payments

Accept Visa, Mastercard, Apple Pay, and Google Pay globally.

Bulk Disbursements

Pay hundreds of recipients in a single API call with full status tracking.

Multi-Currency Wallets

Hold balances in KES, USD, EUR, and GBP with built-in forex exchange.

Subscriptions

Automate recurring billing with flexible plans and customer management.

Payment Links

Share a URL to collect payments — no coding required.