1STK Push resultM-Pesa error 1: Insufficient M-Pesa balance
This is an STK Push (Lipa na M-Pesa Online) result code — it comes back on the Daraja callback after the customer responds to the payment prompt.
What causes it
The customer does not have enough M-Pesa balance (including any available Fuliza overdraft) to cover the amount.
How to fix it
Nothing to fix on your side — ask the customer to top up their M-Pesa and try the payment again.
How paylod handles this
With paylod you never parse this code by hand: the hosted M-Pesa callback decodes the STK Push result for you and returns a normalized status, so you handle a clean success or failed webhook instead of raw Daraja result codes.
See the paylod M-Pesa API