> ## 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.

# Send Money Events

> Webhook payloads for Send Money payment file state changes.

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

```json theme={null}
{
  "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. |