> ## 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.

# M-Pesa B2B

> Send money to M-Pesa PayBill and Till numbers from your KulmiPay wallet.

Use M-Pesa B2B when you need to pay a business through an M-Pesa PayBill or Till number. This is typically used for supplier payments, bills, and business-to-business settlement.

## Transaction fields

| Field               | Required    | Description                                                               |
| ------------------- | ----------- | ------------------------------------------------------------------------- |
| `account`           | Yes         | PayBill or Till number.                                                   |
| `account_type`      | Yes         | Use `PayBill` or `TillNumber`.                                            |
| `account_reference` | Conditional | Required for `PayBill`; this is the account number/reference on the bill. |
| `amount`            | Yes         | Amount to send in KES.                                                    |
| `name`              | No          | Recipient name for your records.                                          |
| `narrative`         | No          | Payment reason shown in your reports.                                     |

## Pay a PayBill

<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": "MPESA-B2B",
      "requires_approval": "YES",
      "transactions": [
        {
          "account": "400200",
          "account_type": "PayBill",
          "account_reference": "ACC-00123",
          "amount": "2500",
          "name": "Supplier Ltd",
          "narrative": "January invoice"
        }
      ]
    }'
  ```

  ```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": "MPESA-B2B",
          "requires_approval": "YES",
          "transactions": [
              {
                  "account": "400200",
                  "account_type": "PayBill",
                  "account_reference": "ACC-00123",
                  "amount": "2500",
                  "name": "Supplier Ltd",
                  "narrative": "January invoice",
              }
          ],
      },
  )
  print(response.json())
  ```
</CodeGroup>

## Pay a Till number

For Till payments, set `account_type` to `TillNumber` and omit `account_reference`.

```json theme={null}
{
  "currency": "KES",
  "provider": "MPESA-B2B",
  "transactions": [
    {
      "account": "123456",
      "account_type": "TillNumber",
      "amount": "2500",
      "narrative": "Store payment"
    }
  ]
}
```

## Validate before sending

Use `POST /api/v1/send-money/validate-accounts/` to confirm the PayBill or Till account before initiating a payout.