Jasiyo
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    Settings & Configuration4 min read

    Payment Provider Setup

    Connect a payment gateway in Jasiyo — credentials, choosing a different gateway per service, and sandbox mode.

    All payment gateway configuration is managed from Settings → Payments in your ISP dashboard. You can have more than one connected at a time, and a green dot marks the ones that are active.

    Your customers' money never passes through Jasiyo. Payments settle straight into your own Paybill, Till or bank account — whether or not you have your own Daraja credentials.

    Supported gateways

    M-Pesa Daraja

    Setup guide →

    Use when: You have a Safaricom-issued Paybill or Till and your own Daraja API credentials

    Paybill — without API keys

    Use when: You have your own M-Pesa Paybill but no Daraja credentials. STK Push settles straight to it

    Till Number — without API keys

    Use when: Same, for an M-Pesa Till instead of a Paybill

    Bank Transfer

    Use when: Your Paybill is held at a bank and you want STK Push to settle into it directly, with no forwarding step

    M-Pesa via Bank (PayHero)

    Setup guide →

    Use when: Your Paybill is issued by a bank (Equity, KCB, Co-op, and similar) and you want PayHero to route it

    Paystack

    Setup guide →

    Use when: You have no Paybill at all and want to start collecting today. Also accepts cards. Settles to your bank the next working day

    IoTec

    Use when: You operate in Uganda and collect MTN MoMo or Airtel Money

    The three "without API keys" and Bank Transfer options exist so you can go live the same day. They send a real STK Push that settles into your own Paybill or Till without you applying to Safaricom for Daraja credentials first.

    A different gateway per service

    By default one gateway takes both your hotspot and your PPPoE payments. If you would rather split them — say Paystack on the hotspot portal and your own Daraja Paybill for PPPoE renewals — turn on Use a different gateway per service at the top of the Payments section and pick one for each.

    Only gateways you have already configured appear in those two dropdowns. Each active gateway shows a badge saying which service it is currently taking.

    If you split them, set both halves. A service left without a gateway cannot take payments at all, and hotspot and PPPoE fail independently — your captive portal can look perfectly healthy while every PPPoE renewal is failing.

    C2B payments, where a customer pays a Paybill directly rather than through Jasiyo, always arrive via whichever gateway owns that Paybill number. The per-service setting does not affect them.

    Sandbox mode

    Daraja supports a sandbox environment for testing. Toggle Sandbox mode on in the Daraja settings to use Safaricom's test credentials and test phone numbers. No real money is moved in sandbox mode.

    Make sure sandbox mode is OFF in production. Payments made in sandbox mode are not real and customers will not actually be charged — but Jasiyo will process them as if they were real, potentially renewing subscriptions for free.
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