Skip to main content

Account Top-up

The account top-up (recharge) process allows customers to add funds to their Kulpay account through three channels: agent, bank digital channel, or the Kulpay app.

Participants​

ParticipantRole
CustomerRequests account recharge
KUL AgentProcesses in-person recharge
Bank / Mobile WalletProvides external funding source
Kulpay APIProcesses the instruction

Process Flow​

Channel 1: Via Agent​

Channel 2: Via Bank Digital Channel​

Channel 3: Via Kulpay App​

Step-by-Step​

Via Agent​

  1. Customer visits a KUL agent and requests an account recharge
  2. Agent asks for the recharge amount and confirms it
  3. Agent identifies the customer via QR Code scan or account number
  4. System fetches customer details for confirmation
  5. Agent confirms the details with the customer
  6. Instruction is submitted for processing
  7. Customer is notified of the result via SMS

Via Bank Digital Channel​

  1. Customer accesses their bank's digital channel (mobile banking, internet banking)
  2. Initiates a transfer to the Kulpay wallet
  3. KulOffice receives the transfer notification
  4. Customer's account is recharged with the received amount
  5. Customer is notified via SMS

Via Kulpay App​

  1. Customer initiates the top-up from the app
  2. Enters the desired recharge amount
  3. Selects the payment method to fund the recharge
  4. System checks the payment method balance
  5. Transaction details are displayed for confirmation
  6. Customer authenticates with their secret PIN
  7. Instruction is submitted for processing
EndpointPurpose
POST /v1/partners/{agent_id}/depositAgent-initiated deposit
POST /v1/customers/{id}/payment_methods/{id}/transactionsApp-initiated top-up (type: deposit)
GET /v1/customers/{id}/transactionsView transaction history

Business Rules​

  • No commission is charged for account recharge operations
  • Customer account is identified by the mobile phone number used during registration
  • Agent can identify customers by QR Code or account number
  • App-based recharge requires PIN authentication
  • Minimum recharge amount applies