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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.

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.

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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 Public Key and Secret Key.
3

Test in the sandbox

Use https://sandbox.kulmipay.com with sandbox credentials to simulate collections and send money flows 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.

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.