DarajaPay Studio — Safaricom Lipa Na M-Pesa STK Simulator & Webhook Studio

DarajaPay.studio v2.4 STK Studio

SAFARICOM DARAJA 2.0 GATEWAY ONLINE

AVG STK LATENCY: 1.2 SECONDS

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STK Trigger Config

Initiate a simulated Lipa Na M-Pesa STK push request to test the phone screen and webhook payloads.

CUSTOMER PHONE NUMBER Safaricom 2547...

TRANSACTION AMOUNT (KES)

MERCHANT SHORTCODE / TILL

ACCOUNT REFERENCE / INVOICE

TRANSACTION DESCRIPTION

Idempotent Webhook Engine: Every callback contains a unique cryptographic `CheckoutRequestID` to prevent duplicate ledger credits on timeout retries.

04:15 Safaricom 4G • 98%

04:15

Wednesday, September 16

Touch sensor or enter PIN to authorize

Simulated Android / iOS Safaricom SIM Toolkit Runtime

Webhook Callback Stream IDLE (200 OK)

Live JSON payload transmitted from Safaricom API to your server's endpoint.

POST /api/v1/payments/daraja/callback 16/09/2026 04:15:20 EAT

{ "status": "ready", "message": "Click 'Send Lipa Na M-Pesa STK Push' on left to trigger live transaction." }

INTEGRATION SNIPPET:

// Node.js Express Daraja STK Push Handler
const axios = require('axios');

app.post('/api/stk-push', async (req, res) => {
  const token = await getDarajaAccessToken();
  const timestamp = new Date().toISOString().replace(/[^0-9]/g, '').slice(0, 14);
  const password = Buffer.from(`${SHORTCODE}${PASSKEY}${timestamp}`).toString('base64');

  const response = await axios.post(
    'https://api.safaricom.co.ke/mpesa/stkpush/v1/processrequest',
    {
      BusinessShortCode: SHORTCODE,
      Password: password,
      Timestamp: timestamp,
      TransactionType: 'CustomerPayBillOnline',
      Amount: req.body.amount,
      PartyA: req.body.phone,
      PartyB: SHORTCODE,
      PhoneNumber: req.body.phone,
      CallBackURL: 'https://yourdomain.com/api/daraja/callback',
      AccountReference: req.body.accRef,
      TransactionDesc: req.body.desc
    },
    { headers: { Authorization: `Bearer ${token}` } }
  );
  res.json(response.data);
});
          