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Fund Request

The fund request process allows customers to request money from others by generating a payment link or QR Code that can be shared via messaging apps.

Participants​

ParticipantRole
RequesterCustomer requesting funds
SponsorPerson fulfilling the fund request (may or may not be a Kulpay customer)
KulOffice APIGenerates links, processes payments

Process Flow​

Requester Side​

Step-by-Step​

Phase 1: Creating the Request​

  1. Customer opens the "Request Funds" feature
  2. Enters the requested amount
  3. Specifies the intended audience (friends, family, or others)
  4. System generates a unique payment link and QR Code
  5. Customer shares the link via their preferred messaging app (WhatsApp, SMS, etc.)

Phase 2: Fulfilling the Request (Sponsor)​

If the sponsor is a Kulpay customer: 6. Sponsor opens the payment link or scans the QR Code 7. Request is added to their Kulpay profile 8. Sponsor authenticates the payment with their secret PIN 9. Transaction is submitted for processing

If the sponsor is NOT a Kulpay customer: 6. Sponsor opens the payment link 7. Selects a payment method (debit card or mobile wallet) 8. Enters the payment method details 9. Authenticates with the provider's OTP 10. Transaction is submitted for processing

Phase 3: Completion​

  1. Transaction is processed by the payment adapter
  2. If successful, the requester's account is credited
  3. Requester is notified of the received funds
EndpointPurpose
POST /v1/customers/{id}/payment_methods/{id}/transactionsProcess the fund request payment
GET /v1/customers/{id}/transactionsView transaction history
GET /v1/customers/{id}/transactions/{id}View transaction details

Business Rules​

  • Fund requests generate both a link and a QR Code
  • Links/QR Codes can be shared through any messaging platform
  • Kulpay customers authenticate with their PIN
  • Non-Kulpay sponsors can pay via debit card or mobile wallet
  • OTP verification is required for non-Kulpay sponsors
  • The requester is notified when funds are received
  • Both successful and failed transactions are recorded in history