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Use these examples after you have installed the SDK and created an API key with the express.pay permission. Add transactions.read when your app also reads payment or transaction status.

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Basic payment

import { Moflay } from "@moflay/sdk";

const moflay = new Moflay({
  token: process.env.MOFLAY_API_KEY!,
});

const payment = await moflay.express.pay({
  phoneNumber: "254712345678",
  amount: 1000,
  description: "Order 1001",
  accountReference: "ORDER1001",
});

console.log(payment.paymentId, payment.transactionId, payment.status);

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Payment with customer details

const payment = await moflay.express.pay({
  phoneNumber: "254712345678",
  customerName: "Jane Doe",
  amount: 250000,
  description: "Plan",
  accountReference: "SUB202604",
  metadata: {
    orderId: "SUB-2026-04",
    plan: "premium",
  },
});

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Payment for an existing customer

When you send customerId, do not include extra customer fields in the same request. 
const payment = await moflay.express.pay({
  customerId: "cus_GqfKXLmg61LURZhB",
  amount: 5000,
  description: "Invoice",
  accountReference: "INV1001",
});

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Handle payment creation errors

try {
  const payment = await moflay.express.pay({
    phoneNumber: "254712345678",
    amount: 1000,
    description: "Order 1001",
    accountReference: "ORDER1001",
  });

  console.log(payment.paymentId);
} catch (error) {
  console.error("Payment request failed", error);
}

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Request limits

FieldLimit
amountInteger in minor currency units from 1 to 250000
descriptionUp to 13 characters
accountReferenceUp to 12 alphanumeric characters
For example, amount: 1000 means KES 10.00.