The fund transfer process allows customers to send money to other accounts. Transfers can be initiated via five methods: QR Code, Kulpay account, Debit Card, Bank NIB, or Mobile Wallet (E-wallet). All amounts are in MZN (Mozambican Metical).
Participants
| Participant | Role | Channel |
|---|
| Individual Customer | Initiates transfer | Mobile App |
| Merchant | Initiates transfer | Portal Web / Mobile App |
| Kulpay API | Validates, authorizes, and processes the transfer | — |
| Payment Adapter | Executes the transfer via the appropriate provider | — |
Process Flow
Step-by-Step
Phase 1: Recipient Selection
- Customer selects the transfer method:
- QR Code: Scan the recipient's Kulpay QR code
- KUL Account: Select from contact list or enter Kulpay account details
- Debit Card: Enter card details (card number, expiry, CVV)
- Bank NIB: Enter the bank account NIB and issuer bank
- E-wallet: Enter the recipient's phone number and wallet provider
- System verifies the recipient's details
Phase 2: Amount & Payment Method
- Customer enters the amount to transfer
- System validates the amount against minimum thresholds
- Customer selects the payment method to fund the transfer
- System checks the account balance via the payment adapter
Phase 3: Authorization & Processing
- Transaction details and associated fees are displayed for confirmation
- An authorization code is sent via SMS
- Customer authorizes the transaction with the received OTP
- The instruction is submitted to the payment adapter for processing
Phase 4: Completion
- Transaction is processed by the adapter (Kulpay/BLNK, Card Simo, or Bank)
- Customer receives confirmation of success or failure
Authorization Methods
All transfers require PIN authentication (6-digit passkey) within the Kulpay app. Additionally, external payment methods require provider-specific authorization:
| Payment Method | Authorization |
|---|
| KUL Account / QR Code | Kulpay PIN only |
| Debit Card | Kulpay PIN + provider OTP |
| Bank NIB | Kulpay PIN + bank OTP |
| E-wallet | Kulpay PIN + wallet provider OTP |
| Endpoint | Purpose |
|---|
GET /v1/customers/get-receiver/{phone_number} | Verify recipient by phone |
GET /v1/customers/{id}/payment_methods | List available payment methods |
POST /v1/customers/{id}/payment_methods/{id}/transactions | Process the transfer |
GET /v1/customers/{id}/transactions | View transaction history |
Business Rules
- All amounts in MZN (Mozambican Metical)
- Minimum transfer amount applies (varies by configuration)
- Fees include Commission + Selo (stamp tax), displayed before authorization
- Balance must be sufficient to cover amount + fees
- Five transfer methods: QR Code, KUL Account, Debit Card, Bank NIB, E-wallet
- Individual customers use the mobile app; merchants can use the web portal or app
- See Transaction Mechanism for settlement details across KUL and OIF accounts