=== M-Pesa / Bank STK diagnostic ===
Active gateway: bank_stk
Demo mode: off
M-Pesa enabled: yes

Bank STK config:
  bank_name: Standard Chartered
  shortcode: 400200
  env: live
  consumer_key: [set, len 48]
  consumer_secret: [set, len 64]
  passkey: [set]

Paybill fallback:
  env: live
  consumer_key: [set]

OAuth test (bank_stk + paybill fallback):
  ok: yes
  message: Daraja OAuth OK (live)
  env used: live