> ## 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.

# Fund Wallet

> Route an M-Pesa or PesaLink collection into a specific KulmiPay wallet using wallet_id.

Fund a wallet by creating a collection and passing the target `wallet_id`. If you omit `wallet_id`, KulmiPay settles the collection into the default settlement wallet for the transaction currency.

KulmiPay currently documents M-Pesa and PesaLink for this flow. Card, Google Pay, Apple Pay, Bitcoin, and ACH funding are not included because they are not currently offered.

## Fund with M-Pesa

```bash theme={null}
curl --request POST \
  --url https://app.kulmipay.com/api/v1/payment/collection/ \
  --header "Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx" \
  --header "Content-Type: application/json" \
  --data '{
    "method": "M-PESA",
    "currency": "KES",
    "amount": "1500.00",
    "api_ref": "wallet-fund-1001",
    "phone_number": "254712345678",
    "wallet_id": "wlt_def456",
    "mobile_tarrif": "BUSINESS-PAYS"
  }'
```

## Fund with PesaLink

```bash theme={null}
curl --request POST \
  --url https://app.kulmipay.com/api/v1/payment/collection/ \
  --header "Authorization: Bearer ISSecretKey_live_xxxxxxxxxxxxxxxx" \
  --header "Content-Type: application/json" \
  --data '{
    "method": "PESALINK",
    "currency": "KES",
    "amount": "5000.00",
    "api_ref": "wallet-fund-bank-1001",
    "wallet_id": "wlt_def456",
    "bank_tarrif": "BUSINESS-PAYS"
  }'
```

## Request fields

| Field           | Required    | Description                                                    |
| --------------- | ----------- | -------------------------------------------------------------- |
| `method`        | Yes         | `M-PESA` or `PESALINK`.                                        |
| `currency`      | Yes         | Use `KES` for M-Pesa and PesaLink wallet funding.              |
| `amount`        | Yes         | Amount to collect.                                             |
| `api_ref`       | Recommended | Your unique reference for reconciliation.                      |
| `wallet_id`     | Yes         | Target wallet alias ID.                                        |
| `phone_number`  | M-Pesa only | Customer phone number in international format.                 |
| `mobile_tarrif` | No          | Fee handling for M-Pesa. `BUSINESS-PAYS` or `CUSTOMER-PAYS`.   |
| `bank_tarrif`   | No          | Fee handling for PesaLink. `BUSINESS-PAYS` or `CUSTOMER-PAYS`. |

## Response

The response includes an invoice and a `signature` you can use to check payment status.

```json theme={null}
{
  "invoice": {
    "id": "GQ7KZ2XPNM",
    "state": "PENDING",
    "value": "1500.00",
    "currency": "KES",
    "provider": "M-PESA",
    "api_ref": "wallet-fund-1001"
  },
  "signature": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9..."
}
```

Use [Wallet Transactions](/wallets/wallet-transactions) to confirm the credit once the invoice reaches `COMPLETE`.