Tuku Pay Internal Docs
  • Welcome to Tuku Pay
  • Getting Started
    • Register Your App
    • Authentication For Apps
    • Your App Users/Customers
    • Users in Multiple Apps
    • Create Transaction Products
    • Define Transaction Costs
  • WALLETS/ACCOUNTS
    • Create Wallet and Sub Wallets
    • Coop Tuku Till
    • Apply Point of Sale
  • TRANSACTIONS
    • Top up Wallets
    • Send Money
    • Withdraw
    • Checkout and Remittance
  • BULK SMS
    • Sender IDs
    • Manage SMS Costs
    • Buy SMS
    • Send Single SMS
    • Send Bulk SMS
    • Schedule SMS
    • Mpesa Xpress and SMS Pay
  • FINTECH SACCO
    • Fintech Sacco Overview
    • Join Fintech Sacco
    • Loan Products
  • FINANCIALS AND ANALYTICS
    • App Income & Ledger
    • Analytics and Integrations
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Welcome to Tuku Pay

Tuku Pay Docs for Both Public and Internal apps consumption.

NextRegister Your App

Last updated 4 months ago

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.

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