Express payment examples - Moflay Documentation

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.

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);

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",
  },
});

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",
});

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);
}

Request limits

Field	Limit
`amount`	Integer in minor currency units from `1` to `250000`
`description`	Up to `13` characters
`accountReference`	Up to `12` alphanumeric characters

For example, amount: 1000 means KES 10.00.