> ## 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.

# Payment Disbursement SMS

> Customize the SMS sent to payout recipients.

Payment disbursement SMS templates are used after a successful payout where KulmiPay sends an SMS to the recipient.

## Create or edit the template

1. Log in to `https://app.kulmipay.com`.
2. Open **Messaging**.
3. Create a new template or edit the existing one.
4. Set the template type to `PAYOUT`.
5. Save the template.

If a `PAYOUT` template already exists, update it instead of creating a duplicate.

## Supported fields

| Field       | Format          | Description                                                     |
| ----------- | --------------- | --------------------------------------------------------------- |
| `AMOUNT`    | `{{AMOUNT}}`    | Amount paid out.                                                |
| `REF`       | `{{REF}}`       | Payment provider reference, for example an M-Pesa receipt code. |
| `SENDER`    | `{{SENDER}}`    | Your business name or sending entity.                           |
| `NARRATIVE` | `{{NARRATIVE}}` | Reason or narration for the payment.                            |

## Example template

```text theme={null}
You have received KES.{{AMOUNT}}, payment reference {{REF}}, by order of {{SENDER}}. Payment Reason: {{NARRATIVE}}
```

<Note>
  Custom payout SMS applies only where KulmiPay sends recipient SMS notifications for the payout flow.
</Note>