> ## 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.

# Bank Payouts

> Send money to Kenyan bank accounts through PesaLink.

Use Bank Payouts when the recipient should receive funds in a Kenyan bank account. KulmiPay routes these payouts through PesaLink.

## Transaction fields

| Field             | Required | Description                                                                          |
| ----------------- | -------- | ------------------------------------------------------------------------------------ |
| `account`         | Yes      | Recipient bank account number.                                                       |
| `bank_code`       | Yes      | Recipient bank code. Fetch valid codes from `GET /api/v1/send-money/bank-codes/ke/`. |
| `amount`          | Yes      | Amount to send in KES. Minimum is KES 100.                                           |
| `name`            | No       | Recipient name for your records.                                                     |
| `narrative`       | No       | Payment reason shown in your reports.                                                |
| `idempotency_key` | No       | Unique key to prevent duplicate payouts.                                             |

## Initiate a bank payout

<CodeGroup>
  ```bash cURL theme={null}
  curl -X POST https://app.kulmipay.com/api/v1/send-money/initiate/ \
    -H "Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx" \
    -H "Content-Type: application/json" \
    -d '{
      "currency": "KES",
      "provider": "PESALINK",
      "requires_approval": "YES",
      "transactions": [
        {
          "account": "1234567890",
          "bank_code": "68",
          "amount": "5000",
          "name": "John Kamau",
          "narrative": "Vendor payment",
          "idempotency_key": "vendor-jan-john-001"
        }
      ]
    }'
  ```

  ```python Python theme={null}
  import requests

  response = requests.post(
      "https://app.kulmipay.com/api/v1/send-money/initiate/",
      headers={"Authorization": "Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx"},
      json={
          "currency": "KES",
          "provider": "PESALINK",
          "requires_approval": "YES",
          "transactions": [
              {
                  "account": "1234567890",
                  "bank_code": "68",
                  "amount": "5000",
                  "name": "John Kamau",
                  "narrative": "Vendor payment",
                  "idempotency_key": "vendor-jan-john-001",
              }
          ],
      },
  )
  print(response.json())
  ```
</CodeGroup>

## Get bank codes

```bash theme={null}
curl https://app.kulmipay.com/api/v1/send-money/bank-codes/ke/ \
  -H "Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx"
```

## Validate bank account

```bash theme={null}
curl -X POST https://app.kulmipay.com/api/v1/send-money/validate-accounts/ \
  -H "Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "provider": "PESALINK",
    "account": "1234567890",
    "bank_code": "68"
  }'
```