> ## 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.

# PesaLink Bank Payments

> Collect bank payments through PesaLink and reconcile them through KulmiPay.

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"`.

<CodeGroup>
  ```bash cURL theme={null}
  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 PHP theme={null}
  <?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",
      ]
  );
  ```
</CodeGroup>

## 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.

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

<Note>
  PesaLink availability depends on your KulmiPay account settings. Contact support if your account cannot collect via PesaLink.
</Note>