Welcome to Tuku Pay
Tuku Pay Docs for Both Public and Internal apps consumption.
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:
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.
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.
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.).
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.
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.
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.
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}").
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.
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.
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
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.
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.
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.
Send & Withdraw Money:
Send money to users, apps, or external recipients using defined transaction costs.
Withdraw funds to bank accounts, mobile wallets, or agents.
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.
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
Last updated