1032STK Push resultM-Pesa error 1032: Payment cancelled by the customer
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 received the STK prompt on their phone but pressed Cancel instead of entering their M-Pesa PIN. No money moved.
How to fix it
Nothing is wrong with your setup — offer a clear retry button so the customer can try 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