Settings & Configuration4 min read

Payment Provider Setup

Configure M-Pesa Daraja, PayHero, and Paystack in Jasiyo — credentials, sandbox mode, and default provider selection.

All payment provider configuration is managed from Payments in your ISP dashboard. You can connect multiple providers simultaneously — Jasiyo supports Daraja, PayHero, and Paystack at the same time.

Jasiyo follows an Option A architecture — all customer payments flow through your own payment provider credentials, not through Jasiyo. Your money goes directly to your Paybill or bank account.

Supported providers

M-Pesa Daraja

Setup guide →

Use when: You have a Safaricom-issued Paybill and Daraja API credentials

PayHero

Setup guide →

Use when: Your Paybill is issued by a bank (Equity, KCB, Co-op, NCBA, etc.)

Paystack

Setup guide →

Use when: You don't have a Paybill and want to start collecting M-Pesa payments immediately

Setting a default provider

If you have multiple providers connected, you can set one as the default. The default provider is used for STK Push requests initiated from the customer dashboard and the public payment page.

C2B payments (customers paying independently to a Paybill) always go through whichever provider owns that Paybill number — the default setting doesn't affect incoming C2B.

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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