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This guide walks you through the complete process of going live with M-Pesa payments, from applying for a Paybill or Till to configuring your production credentials in Moflay.

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Prerequisites

Before you can set up production credentials, you need an approved Paybill or Till from Safaricom.
Personal Till and Paybill accounts cannot be used for M-Pesa API integrations. You must apply for a business account.

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Step 1: Choose Between Paybill or Till

Your choice depends on how you plan to use M-Pesa:
  • Only collecting online payments via STK push? → Use a Till
  • Need to track offline transactions or require unique account references? → Use a Paybill
We recommend applying for a Paybill for long-term flexibility. It supports everything a Till does, plus more.

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Step 2: Apply for Paybill or Till

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Watch the Process First

Watch this overview from Safaricom before you start:

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Required Documents

Prepare these documents before applying: Important: Stamp all documents. Sign or stamp your bank letter.

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Application Methods

Choose one of these methods to submit your application:

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Step 3: Create Daraja Production App

Once your Paybill or Till is approved, you need to create a production app in the Daraja portal.
Keep two browser tabs open: one for the Moflay Dashboard and one for your Daraja Dashboard to make the setup process easier.
1

Access Daraja Dashboard

  1. Navigate to the Daraja Website. 2. Click on Dashboard in the navigation bar. 3. You’ll be redirected to the Daraja Dashboard.
2

Create Production App

  1. Click on My Apps in the sidebar. 2. Click on Create App. 3. Enter your Application Name. 4. Select Lipa na M-Pesa Online (Production). 5. Click on Create App to finish.
3

Copy Credentials

  1. Once created, your production app will be listed. 2. Copy the Consumer Key and Consumer Secret.

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Step 4: Configure Credentials in Moflay

Now configure your production credentials in the Moflay Dashboard.
1

Navigate to Credentials Page

Go to the Moflay Dashboard Credentials page.
2

Switch to Production Environment

Make sure you’re in the Production environment (not Sandbox).
3

Enter Your Credentials

  1. Paste the Consumer Key from your Daraja production app. 2. Paste the Consumer Secret from your Daraja production app. 3. Enter your Paybill/Till Number (Business Shortcode). 4. Enter your Passkey (provided by Safaricom after approval). 5. Select your Business Type (Paybill or Till).
4

Save Configuration

Click Save to store your production credentials.
Your Passkey and final production credentials will be sent to you by Safaricom via email after your Paybill/Till application is approved.

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Step 5: Handle M-Pesa Callbacks

To receive real-time payment notifications, you need to configure callback URLs. See the Handling Callbacks guide for detailed instructions on setting up webhook endpoints.

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Troubleshooting

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Application Not Approved

  • Check documents: Ensure all forms are properly filled, stamped, and signed
  • Verify email: Make sure you’re using a valid business email
  • Contact support: Reach out to Safaricom at M-PESABusiness@safaricom.co.ke

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Credentials Not Working

  • Verify environment: Ensure you’re using production credentials in the production environment
  • Check Passkey: Confirm you’re using the correct Passkey from Safaricom’s email
  • Test connection: Use the Moflay Dashboard to test your credentials

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Next Steps

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