1037STK Push resultM-Pesa error 1037: Timeout — the customer could not be reached
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 STK prompt could not reach the phone or the customer did not respond within the timeout (~60s). Common reasons: the phone is off, out of coverage, or the customer never entered their PIN.
How to fix it
Ask the customer to confirm their phone is on with Safaricom network, then retry. Confirm the number is a registered Safaricom line.
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