Documentation Index
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Send money from your KulmiPay wallet to a customer’s M-Pesa phone number.
| Field | Required | Description |
|---|---|---|
account | Yes | Recipient phone number in international format, for example 254712345678. |
amount | Yes | Amount to send in KES. Minimum is KES 10. |
name | No | Recipient name for your records. |
narrative | No | Payment reason shown in your reports. |
idempotency_key | No | Unique key to prevent duplicate payouts. |
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-B2C",
"requires_approval": "YES",
"callback_url": "https://example.com/webhooks/send-money",
"transactions": [
{
"account": "254712345678",
"amount": "1000",
"name": "Jane Doe",
"narrative": "Salary payment",
"idempotency_key": "salary-jan-jane-001"
}
]
}'
import requests
response = requests.post(
"https://app.kulmipay.com/api/v1/send-money/initiate/",
headers={
"Authorization": "Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx",
"Content-Type": "application/json",
},
json={
"currency": "KES",
"provider": "MPESA-B2C",
"requires_approval": "YES",
"transactions": [
{
"account": "254712345678",
"amount": "1000",
"name": "Jane Doe",
"narrative": "Salary payment",
"idempotency_key": "salary-jan-jane-001",
}
],
},
)
print(response.json())
requires_approval to "YES", approve the returned file before money moves:
curl -X POST https://app.kulmipay.com/api/v1/send-money/approve/ \
-H "Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx" \
-H "Content-Type: application/json" \
-d '{
"file_id": "FILE_ID_FROM_INITIATE_RESPONSE",
"transactions": [
"TRANSACTION_ID_FROM_INITIATE_RESPONSE"
]
}'
requires_approval to "NO" only when your backend is already doing its own review and approval checks.