M-PESA STK Push integration

An STK Push sends a payment prompt to the customer's phone. The customer enters their M-PESA PIN and Safaricom returns the result asynchronously.

Payment lifecycle

initiated
NixPay accepts your request and records the transaction.
pending
Safaricom accepted the STK push and the customer is prompted.
successful
Customer paid. An M-PESA receipt number is recorded.
failed / cancelled / timeout
No payment completed.

Status values

Status	Meaning
`initiated`	Request received, not yet acknowledged by Daraja.
`pending`	Customer prompted, awaiting PIN entry.
`successful`	Payment confirmed.
`failed`	Declined, insufficient funds, or a Daraja error.
`cancelled`	Customer cancelled the prompt.
`timeout`	No result received in the expected window.

Verifying a payment

Treat a payment as final only when its status is successful. The safest pattern is to act on the payment.success webhook and then re-fetch the transaction to confirm.

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