PesaLink Bank Payments

PesaLink lets customers pay from Kenyan bank accounts. Use it when a customer prefers bank transfer instead of M-Pesa. KulmiPay supports PesaLink alongside M-Pesa for collections.

Collect through PesaLink

Use the collect payment endpoint with method: "PESALINK".

curl --request POST \
  --url https://app.kulmipay.com/api/v1/payment/collection/ \
  --header 'Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx' \
  --header 'Content-Type: application/json' \
  --data '{
    "method": "PESALINK",
    "currency": "KES",
    "amount": "1500.00",
    "api_ref": "ORDER-1001",
    "email": "customer@example.com",
    "first_name": "Jane",
    "last_name": "Doe",
    "bank_tarrif": "BUSINESS-PAYS"
  }'

<?php

require_once __DIR__ . "/vendor/autoload.php";

use KulmiPay\KulmiPayPHP\Collection;

$collection = new Collection();
$collection->init([
    "token" => "ISSecretKey_live_xxxxxxxxxxxxxxxx",
]);

$response = $collection->pesalink(
    "1500.00",
    "KES",
    "ORDER-1001",
    [
        "email" => "customer@example.com",
        "first_name" => "Jane",
        "last_name" => "Doe",
        "bank_tarrif" => "BUSINESS-PAYS",
    ]
);

Request fields

Field	Type	Required	Description
`method`	string	Yes	Must be `PESALINK`.
`currency`	string	Yes	Use `KES`. If another supported currency is provided, KulmiPay converts it to KES before processing.
`amount`	string	Yes	Amount to collect.
`api_ref`	string	Recommended	Your reference for reconciliation.
`email`	string	No	Customer email address.
`first_name`	string	No	Customer first name.
`last_name`	string	No	Customer last name.
`bank_tarrif`	string	No	`BUSINESS-PAYS` or `CUSTOMER-PAYS`.

Response

The response includes an invoice and signature. Store the invoice ID and use it to check payment status.

{
  "invoice": {
    "id": "GQ7KZ2XPNM",
    "state": "PENDING",
    "value": "1500.00",
    "currency": "KES",
    "provider": "PESALINK",
    "api_ref": "ORDER-1001"
  },
  "signature": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9..."
}

PesaLink availability depends on your KulmiPay account settings. Contact support if your account cannot collect via PesaLink.

​Collect through PesaLink

​Request fields

​Response

Collect through PesaLink

Request fields

Response