> ## 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 B2C

> Send money from your KulmiPay wallet to a customer's M-Pesa phone number.

Use M-Pesa B2C when the recipient should receive funds directly in their M-Pesa wallet. Common use cases include salary payments, customer refunds, commissions, rewards, and remittance payouts.

## Transaction fields

| 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.                                    |

## Initiate M-Pesa B2C

<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-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"
        }
      ]
    }'
  ```

  ```python Python theme={null}
  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())
  ```
</CodeGroup>

## Approve the file

If you set `requires_approval` to `"YES"`, approve the returned file before money moves:

```bash theme={null}
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"
    ]
  }'
```

<Note>
  Set `requires_approval` to `"NO"` only when your backend is already doing its own review and approval checks.
</Note>