> For the complete documentation index, see [llms.txt](https://tuku-pay.gitbook.io/tuku-pay-internal-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://tuku-pay.gitbook.io/tuku-pay-internal-docs/readme.md).
# Welcome to Tuku Pay
Tuku Pay is a comprehensive payment and financial services platform that allows you to manage payments, SMS services, wallets, and more. Whether you're an app developer, a business owner, or an individual, Tuku Pay offers tools to manage your finances, send money, receive payments, and send bulk SMSs with ease.
**Key Features of Tuku Pay:**
1. **User Wallets & Sub-Wallets:**
* Create and manage user wallets with unique account numbers (e.g., AAA0705035022).
* Sub-wallets are linked to main wallets for more detailed financial management.
* Top-up your wallet using various payment methods, including MPESA, PayPal, Visa/MasterCard, and others.
2. **Send Money & Withdrawals:**
* Send money to various destinations including bank accounts, mobile wallets, PayPal, Visa/MasterCard, and more.
* Withdraw funds to mobile money, banks, cards, or agents.
* Transaction costs are handled as separate records for easy reconciliation.
3. **Transaction Costs Management:**
* Define and manage transaction costs for sending money and withdrawals.
* Apps can set their own transaction costs, and users can view and adjust costs for different destinations (e.g., to Coop Bank, MPESA, PayPal, etc.).
4. **KYC Management:**
* KYC (Know Your Customer) is required for registering apps, wallets, and users.
* Ensure compliance with regulatory standards by submitting and verifying identification details.
5. **Bulk SMS & Sender ID Management:**
* Send SMS messages to users individually or in bulk.
* Manage custom Sender IDs with KYC verification (e.g., TUKUPAY).
* Purchase and manage SMS pools for bulk messaging.
6. **Checkout Links for Payments:**
* Create unique payment links (e.g., for donations, products, or services).
* Users can pay via MPESA, Visa/MasterCard, PayPal, and other payment methods.
* Provide a branded experience with the ability to customize each checkout link for your business.
7. **Scheduled SMS & Custom SMS:**
* Schedule both single and bulk SMS messages to be sent at a later time.
* Customize SMS content by embedding dynamic fields (e.g., "Dear {name}, your balance is {balance}").
8. **SMS Pay:**
* Generate SMS links that allow users to pay via MPESA, PayPal, or Card payments directly through a shortened URL.
* MPESA Express allows for easy mobile payments with pre-determined amounts and phone numbers.
* Mcoop Cash Link allows Coop Bank users to pay via their Mcoop Cash app.
9. **App Registration & API Integration:**
* Register your app with Tuku Pay and get API keys for seamless integration.
* Handle app-specific settings like transaction costs, user management, and more.
* Access API endpoints for sending money, withdrawing funds, and managing users.
10. **SMS Balance & Alerts:**
* Monitor your SMS usage and get alerts when your balance is low.
* Easily top-up your SMS wallet by purchasing SMS credits with different payment options.
***
#### Getting Started with Tuku Pay
1. **Register Your App:**
* Complete the KYC verification for your app.
* Submit app details including name, description, country, and more.
* Get API keys for integration with Tuku Pay.
2. **Create User Wallets:**
* Register users and create wallets for them, either as individuals, joint accounts, or organizations.
* Set up main and sub-wallets with unique account numbers for each user.
3. **Top-up Your Wallet:**
* Load money into your wallet using MPESA, PayPal, Visa/MasterCard, Cash, Agent or other methods.
* Purchase SMS credits to send bulk or single messages.
4. **Send & Withdraw Money:**
* Send money to users, apps, or external recipients using defined transaction costs.
* Withdraw funds to bank accounts, mobile wallets, or agents.
5. **Bulk SMS & Sender ID:**
* Register your Sender IDs and use them to send SMS to users or customers.
* Send individual or bulk SMS messages with a unique sender ID.
* Use the Outbox feature to track your sent messages.
6. **Create Checkout Links:**
* Set up payment links for your users or customers to pay via MPESA, PayPal, Visa/MasterCard, or others.
* Customize your checkout experience with logos, descriptions, and more.
***
#### Developer Guide
For developers integrating with Tuku Pay, here are a few key tips:
* **API Integration:** Utilize Tuku Pay's RESTful API for sending money, managing users, and integrating SMS services.
* **SMS Customization:** To send customized SMS for each recipient, handle it in your app by dynamically generating content (e.g., inserting user data like name, balance, etc.) before sending it through the API.
* **Transaction Costs:** Use the provided endpoints to define and manage transaction costs for both sending money and withdrawals.
* **Checkout Links:** Customize checkout links by adding dynamic fields like amounts, reasons for payments, and more.
### Jump right in