> ## 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.

# Send Money

> Send money from your KulmiPay wallet to M-Pesa wallets, M-Pesa Till or PayBill numbers, bank accounts, and KulmiPay wallets.

Send Money lets you disburse funds from a KulmiPay wallet to one or many recipients. Use it for salaries, supplier payments, customer refunds, agent commissions, marketplace settlements, and wallet-to-wallet transfers.

The flow is built around a **payment file**. You initiate a file with one or more transactions, optionally approve it, then track its status until every transaction is complete or failed.

## Supported payout types

| Payout type  | Provider value | Use case                                       |
| ------------ | -------------- | ---------------------------------------------- |
| M-Pesa B2C   | `MPESA-B2C`    | Send to a customer's M-Pesa wallet             |
| M-Pesa B2B   | `MPESA-B2B`    | Pay an M-Pesa PayBill or Till number           |
| Bank payouts | `PESALINK`     | Send to a Kenyan bank account through PesaLink |
| KulmiPay P2P | `P2P`          | Transfer between KulmiPay wallets/accounts     |

## How it works

<Steps>
  <Step title="Initiate a payment file">
    Call `POST /api/v1/send-money/initiate/` with the provider, currency, and transactions array.
  </Step>

  <Step title="Approve or auto-approve">
    If `requires_approval` is `"YES"`, approve the file with `POST /api/v1/send-money/approve/` and include the returned transaction IDs. If it is `"NO"`, KulmiPay queues the file immediately.
  </Step>

  <Step title="Track transaction status">
    Call `POST /api/v1/send-money/status/` with the `tracking_id`, or listen for callbacks on your `callback_url`.
  </Step>
</Steps>

## API limits

The `transactions` field is an array, so you can submit multiple recipients in one request. Use batches for payroll, vendor payouts, and other bulk workflows.

For large batches, keep your own `batch_reference` and per-transaction `idempotency_key` values so you can reconcile safely and avoid duplicate payouts during retries.

## Authentication

Send Money endpoints require a secret key:

```http theme={null}
Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx
```

Use sandbox keys with `https://sandbox.kulmipay.com` while testing, then switch to live keys with `https://app.kulmipay.com`.

## PHP SDK example

```php theme={null}
<?php

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

use KulmiPay\KulmiPayPHP\Transfer;

$transfer = new Transfer();
$transfer->init([
    "token" => "ISSecretKey_live_xxxxxxxxxxxxxxxx",
]);

$transactions = [
    [
        "name" => "Jane Doe",
        "account" => "254712345678",
        "amount" => "1000",
        "narrative" => "Refund",
        "idempotency_key" => "refund-1001",
    ],
];

$response = $transfer->mpesa("KES", $transactions, "YES");
$status = $transfer->status($response->tracking_id);
```

Use `$transfer->mpesa_b2b(...)` for M-Pesa Till or PayBill payouts, `$transfer->bank(...)` for PesaLink bank payouts, and `$transfer->p2p(...)` for KulmiPay wallet transfers.

## Next steps

<CardGroup cols={2}>
  <Card title="M-Pesa B2C" icon="mobile" href="/send-money/mpesa-b2c">
    Send money directly to M-Pesa wallets.
  </Card>

  <Card title="M-Pesa B2B" icon="building-storefront" href="/send-money/mpesa-b2b">
    Pay M-Pesa Till and PayBill numbers.
  </Card>

  <Card title="Bank Payouts" icon="building-columns" href="/send-money/bank-payouts">
    Send money to Kenyan bank accounts through PesaLink.
  </Card>

  <Card title="Transaction Status" icon="magnifying-glass" href="/send-money/transaction-status">
    Track payout files and individual transactions.
  </Card>

  <Card title="KulmiPay P2P" icon="arrows-right-left" href="/send-money/kulmipay-p2p">
    Transfer funds between KulmiPay wallets or accounts.
  </Card>
</CardGroup>