Send Money Events - Kulmi Pay

Enable send_money_event to receive notifications when a Send Money payment file is created or changes state. Send Money events use the same payment file shape returned by POST /api/v1/send-money/status/, plus your configured challenge.

When it fires

A Send Money payment file is created.
The payment file state changes during approval, balance checking, processing, completion, or cancellation.

Payload

{
  "file_id": "PF_12345",
  "tracking_id": "550e8400-e29b-41d4-a716-446655440000",
  "batch_reference": "PAYROLL-MAY-2026",
  "status": "Processing payment",
  "status_code": "BP110",
  "actual_charges": "66.00",
  "paid_amount": "25000.00",
  "failed_amount": "0.00",
  "charge_estimate": "66.00",
  "total_amount_estimate": "25066.00",
  "total_amount": "25000.00",
  "transactions_count": 1,
  "transactions": [
    {
      "transaction_id": "TX_12345",
      "status": "Payment initiated",
      "status_code": "TP102",
      "status_description": "",
      "provider": "MPESA-B2C",
      "account": "254712345678",
      "amount": "25000.00",
      "charge": "66.00",
      "currency": "KES",
      "narrative": "Salary payment",
      "provider_reference": null,
      "idempotency_key": "salary-may-001"
    }
  ],
  "wallet": {
    "wallet_id": "wlt_abc123",
    "currency": "KES",
    "wallet_type": "SETTLEMENT"
  },
  "created_at": "2026-05-28T08:00:00Z",
  "updated_at": "2026-05-28T08:05:30Z",
  "challenge": "your-configured-secret"
}

Important fields

Field	Description
`file_id`	Payment file alias ID.
`tracking_id`	UUID used to query file status.
`status`	Human-readable file status.
`status_code`	Machine-friendly KulmiPay status code.
`transactions`	Individual transaction results inside the file.
`challenge`	Your configured challenge value. Verify it before processing the event.