Business Processes Overview
The Kulpay ecosystem supports 10 core business processes across both the Core API and the Collection API. Each process is documented with visual flowcharts, step-by-step narratives, and links to the relevant API endpoints.
Process Summary
| Process | Description | Key Participants |
|---|---|---|
| Service Onboarding | Customer registration, identity verification, and account activation | Customer, KYC System, Back Office Reviewer |
| Fund Transfer | Transfer funds via bank NIB, QR Code, or mobile wallet | Customer, Payment Adapter |
| Cash Withdrawal | Withdraw cash at an agent location or ATM | Customer, Agent/ATM |
| Account Top-up | Recharge account via agent, bank channel, or app | Customer, Agent, Bank |
| Payment Method Registration | Register debit cards, bank NIBs, or mobile wallets | Customer, Back Office Reviewer |
| Fund Request | Request funds from others via link or QR code | Requester, Sponsor |
| Merchant Onboarding | Business registration (informal and formal), verification, and account activation | Business, Back Office Reviewer |
| Agent Onboarding | Agent registration, biometric capture, GPS tagging, and activation | Agent, Back Office Reviewer |
| Invoice Lifecycle | Invoice creation, delivery, payment, and reconciliation | Biller, Payer, Payment Provider |
| Payment Collection | End-to-end payment collection via SIMO ERV or interbank | Biller, Payer, Bank |
Process Architecture
Core API financial operations require:
- A verified customer account (completed onboarding with approved KYC)
- At least one active payment method (registered and validated)
- A valid system license (active and not expired)
Collection API operations require:
- An approved business account (completed merchant onboarding)
- At least one active collection method (SIMO ERV or interbank)
- A valid system license and OIDC authentication