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gabrielmahia

mpesa-mcp

by gabrielmahia

mpesa-mcp

Servidor MCP para APIs fintech de África Oriental: M-Pesa (Safaricom Daraja) y Africa's Talking

Dale a tu agente de IA la capacidad de activar pagos M-Pesa, consultar el estado de transacciones, enviar SMS y recargar tiempo aire en más de 20 redes de telecomunicaciones africanas.

Tests PyPI License: MIT Glama Score Glama

mpesa-mcp MCP server

Por qué existe esto

M-Pesa procesa más transacciones por día que PayPal en África. Africa's Talking llega a usuarios en más de 20 países en teléfonos básicos a través de SMS y USSD. Ninguno tiene un servidor MCP.

Esto significa que cualquier agente de IA construido hoy —Claude, GPT, Gemini o cualquier entorno de ejecución compatible con MCP— no puede activar un pago M-Pesa o enviar un SMS en suajili sin trabajo de integración personalizado.

mpesa-mcp cierra esa brecha con un pip install.

Related MCP server: M-Pesa MCP Server

Herramientas

Herramienta

Descripción

mpesa_stk_push

Activa una solicitud de pago STK Push en el teléfono M-Pesa del cliente

mpesa_stk_query

Comprueba el estado de una solicitud STK Push

mpesa_transaction_status

Consulta cualquier transacción de M-Pesa por número de recibo

sms_send

Envía SMS a entre 1 y 1.000 destinatarios en redes africanas

airtime_send

Envía recarga de tiempo aire a cualquier suscriptor (KES, NGN, GHS, UGX, etc.)

Cobertura

  • M-Pesa: Kenia (Safaricom Daraja v3) — STK Push, C2B, estado de transacción

  • SMS/Tiempo aire: Kenia, Nigeria, Ghana, Tanzania, Uganda, Ruanda, Sudáfrica y más de 15 adicionales a través de Africa's Talking

Glama (MCP alojado)

mpesa-mcp está disponible como servidor MCP alojado en Glama:

mpesa-mcp MCP server mpesa-mcp score

Instalación

pip install mpesa-mcp

O ejecútalo directamente con uvx:

uvx mpesa-mcp

Configuración

Establece estas variables de entorno antes de iniciar el servidor:

# M-Pesa (Safaricom Daraja)
MPESA_CONSUMER_KEY=your_consumer_key
MPESA_CONSUMER_SECRET=your_consumer_secret
MPESA_SHORTCODE=174379               # sandbox test shortcode
MPESA_PASSKEY=your_passkey
MPESA_CALLBACK_URL=https://yourdomain.com/mpesa/callback
MPESA_SANDBOX=true                   # set false for production

# Africa's Talking
AT_USERNAME=sandbox                  # your AT username (sandbox for testing)
AT_API_KEY=your_at_api_key

Credenciales de Sandbox

M-Pesa sandbox: https://developer.safaricom.co.ke — crea una aplicación gratuita para obtener credenciales de prueba.

  • Código corto de prueba: 174379

  • Passkey de prueba: bfb279f9aa9bdbcf158e97dd71a467cd2e0c893059b10f78e6b72ada1ed2c919

Africa's Talking sandbox: https://account.africastalking.com — usa username=sandbox, cualquier clave API.

Uso con Claude Desktop

Añádelo a ~/Library/Application Support/Claude/claude_desktop_config.json (macOS):

{
  "mcpServers": {
    "mpesa": {
      "command": "uvx",
      "args": ["mpesa-mcp"],
      "env": {
        "MPESA_CONSUMER_KEY": "your_key",
        "MPESA_CONSUMER_SECRET": "your_secret",
        "MPESA_SHORTCODE": "174379",
        "MPESA_PASSKEY": "your_passkey",
        "MPESA_CALLBACK_URL": "https://yourdomain.com/mpesa/callback",
        "MPESA_SANDBOX": "true",
        "AT_USERNAME": "sandbox",
        "AT_API_KEY": "your_at_key"
      }
    }
  }
}

Uso con Claude Code

claude mcp add mpesa -- uvx mpesa-mcp

Establece las variables de entorno en tu shell antes de ejecutar claude.

Ejemplos de prompts

Una vez conectado, puedes pedirle a tu agente de IA:

"Envía un STK Push de 500 KES al +254712345678 para el pedido #1234"

"Comprueba si se ha recibido el pago QKL8ABC123"

"Envía un SMS a estos 5 agricultores con el precio del maíz de hoy: [lista]"

"Recarga 50 KES de tiempo aire para nuestros agentes de campo: [lista de números]"

Escenarios del mundo real

Envío de pagos a agentes de campo

"Envía un STK Push de 300 KES a cada uno de estos 12 agentes de campo para la recolección de datos de hoy: [lista]"

El agente activa 12 solicitudes STK secuenciales, rastrea cada checkout_request_id y sondea para obtener confirmación, sin que tú escribas código.

Alerta a agricultores + tiempo aire

"Envía un SMS a estos 200 agricultores de Garissa avisando que el río está subiendo. Luego recarga 20 KES de tiempo aire a cada uno para que puedan llamar e informar."

Un prompt → 200 mensajes SMS y 200 recargas de tiempo aire en Safaricom, Airtel y Telkom.

Conciliación de pagos

"Comprueba si el recibo OKL8M3B2HF fue un pago exitoso y por cuánto fue"

Útil para agentes de soporte que usan Claude para verificar transacciones de M-Pesa en tiempo real.

Anotaciones de herramientas

Todas las herramientas declaran anotaciones de herramientas MCP para que los clientes puedan gestionar las llamadas adecuadamente:

Herramienta

readOnly

destructive

idempotent

mpesa_stk_push

mpesa_stk_query

mpesa_transaction_status

sms_send

airtime_send

Claude Desktop y otros clientes MCP solicitarán confirmación antes de activar operaciones de pago, SMS o tiempo aire.

Descubrimiento del servidor

Las capacidades se anuncian a través de .well-known/mcp.json, el estándar emergente de tarjetas de servidor MCP. Los registros y navegadores pueden indexar las herramientas de este servidor sin conectarse a él.

# Check capabilities
curl https://raw.githubusercontent.com/gabrielmahia/mpesa-mcp/main/.well-known/mcp.json

Pruebas y precisión

El benchmark del ecosistema MCP (CData, 2026) encontró que la mayoría de los servidores MCP son precisos entre el 60% y el 75% de las veces en consultas complejas, particularmente en fallos silenciosos en operaciones de escritura y aplicación parcial de parámetros.

mpesa-mcp se prueba contra los tres formatos de números de teléfono kenianos, valores límite de cantidad y campos opcionales faltantes:

pytest tests/ -v  # run full suite
pytest tests/test_phone_formats.py  # format normalization
pytest tests/test_boundary_amounts.py  # min/max amount edge cases

Las operaciones de escritura (STK push, SMS, tiempo aire) tienen una validación explícita antes de realizar cualquier llamada a la API.

Contexto del ecosistema — Mojaloop + MCP

Mojaloop (financiado por la Fundación Gates) maneja la interoperabilidad de pagos, conectando bancos, billeteras de dinero móvil y comerciantes a través de DFSP en África Oriental y más allá.

mpesa-mcp maneja la capa de herramientas para agentes de IA, permitiendo que los asistentes de codificación de IA activen y consulten pagos de M-Pesa mediante programación.

Estos son complementarios:

  • Mojaloop: los rieles de interoperabilidad entre proveedores financieros

  • mpesa-mcp: la capa de interfaz MCP que conecta a los agentes de IA con esos rieles

Consulta la contribución a la documentación de Mojaloop para obtener más información sobre este patrón.

MCP vs A2A — dos protocolos diferentes

mpesa-mcp implementa MCP (Model Context Protocol), cómo un agente de IA habla con las herramientas.

Existe un protocolo complementario, A2A (Agent-to-Agent), que maneja cómo los agentes hablan entre sí. Resuelven problemas diferentes y trabajan juntos:

  • MCP: Tu agente de IA → mpesa-mcp → API Daraja / Africa's Talking

  • A2A: Agente orquestador ↔ subagente de pago ↔ subagente de notificación

Para la mayoría de las integraciones solo necesitas MCP. A2A se vuelve relevante cuando construyes sistemas multi-agente donde un flujo de trabajo de pago se coordina con otros agentes especializados.


Desarrollo

git clone https://github.com/gabrielmahia/mpesa-mcp
cd mpesa-mcp
pip install -e ".[dev]"
pytest tests/ -v

Seguridad

No confirmes claves API. Usa variables de entorno o un gestor de secretos. Informa de vulnerabilidades a: contact@aikungfu.dev

Licencia

MIT — © 2026 Gabriel Mahia

Mantente actualizado

Recibe notificaciones de nuevos lanzamientos y desarrollos de APIs en África Oriental: Suscríbete a las actualizaciones →

O sigue este repositorio en GitHub para recibir notificaciones de lanzamientos.

Paquetes hermanos

Paquete

Instalación

Descripción

wapimaji-mcp

pip install wapimaji-mcp

Servidor MCP de inteligencia sobre sequías en Kenia

civic-agent-kit

pip install civic-agent-kit

SDK de IA cívica de África Oriental

Paquetes relacionados

Todos MIT · Todos parte de la pila de IA cívica de África Oriental

Paquete

Instalación

Descripción

wapimaji-mcp

pip install wapimaji-mcp

Servidor MCP de inteligencia sobre sequías en Kenia

kenya-health-mcp

pip install kenya-health-mcp

MCP de datos de salud de Kenia — NHIF, instalaciones, salud materna, derechos

civic-agent-kit

pip install civic-agent-kit

SDK de IA cívica de África Oriental

Portafolio completo: gabrielmahia.github.io

Available Tools

5 tools
airtime_sendSend AirtimeA
Destructive

Send airtime top-up to any MTN/Safaricom/Airtel/Vodafone subscriber. Common use: NGO field incentives, survey rewards, agent payouts. No real airtime sent in sandbox mode.

ParametersJSON Schema
NameRequiredDescriptionDefault
phoneYesRecipient phone in E.164 format e.g. '+254712345678'
amountYesAmount as string e.g. '50' (KES 50). Minimum KES 10 in production.
currency_codeNoISO currency code: KES, NGN, GHS, UGX, TZS, RWF, ZARKES

Output Schema

ParametersJSON Schema
NameRequiredDescription

No output parameters

TDQS

A4.2/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already indicate destructive/destructiveHint=true. Description adds valuable sandbox behavior disclosure. Does not discuss other aspects like auth or rate limits, but the added sandbox note is useful beyond annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Three sentences, each adding distinct value: action, use cases, sandbox note. No fluff, highly efficient.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given that an output schema exists (return values not needed), the description covers purpose, common usage, and sandbox behavior. Lacks prerequisites or error scenarios, but sufficient for a simple tool with good annotations.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100% and already describes each parameter in detail (including minimum amount in production). Description does not add new parameter information beyond what's in the schema, so baseline 3 applies.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

Description clearly states action (send airtime top-up) and target (specific network subscribers). Common use cases provided. Distinguishes from siblings like mpesa_stk_push which are for money transfers.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Lists common use cases (NGO incentives, survey rewards, agent payouts) and mentions sandbox mode behavior. Does not explicitly compare to alternatives, but given sibling tools, context is clear.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

mpesa_stk_pushM-Pesa STK PushA
Destructive

Trigger an M-Pesa STK Push — sends a payment prompt to the customer's phone. The customer enters their M-Pesa PIN to complete payment. Returns a CheckoutRequestID to track the transaction with mpesa_stk_query. Async: use mpesa_stk_query after 10-30 seconds to check completion.

ParametersJSON Schema
NameRequiredDescriptionDefault
phoneYesCustomer phone number (any Kenyan format: +254..., 07..., 254...)
amountYesAmount in KES (whole number, minimum 1)
account_refYesAccount reference shown to customer on their phone (max 12 chars)
descriptionNoTransaction description (max 13 chars)Payment

Output Schema

ParametersJSON Schema
NameRequiredDescription

No output parameters

TDQS

A4.5/5.0
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

The description adds significant behavioral context beyond annotations: it explains that the tool is async, that the customer enters their PIN to complete payment, and that a CheckoutRequestID is returned for follow-up. This aligns with destructiveHint=true and provides useful actionable information.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is concise with four short sentences, all of which provide necessary information. It front-loads the primary action and sequentially covers process, return value, and follow-up. There is no wasted text.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

The description covers the essential aspects of a payment initiation tool: what it does (trigger STK push), the user interaction (customer enters PIN), the result (CheckoutRequestID), and the asynchronous follow-up (use mpesa_stk_query after 10-30 seconds). With an output schema present, the description does not need to detail return fields.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The input schema has 100% coverage with descriptions for all parameters. The tool description does not add additional meaning beyond the schema (e.g., no examples or format clarification). Baseline 3 applies as schema already documents parameters adequately.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states that the tool triggers an M-Pesa STK Push, sends a payment prompt to the customer's phone, and returns a CheckoutRequestID for tracking. It distinguishes itself from sibling tools like mpesa_stk_query by noting that the query tool is for checking completion.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description provides explicit guidance on when to use the sibling tool mpesa_stk_query (after 10-30 seconds) to check completion. It implies that this tool is for initiating payments, but does not explicitly state when not to use it or mention alternatives like airtime_send.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

mpesa_stk_queryM-Pesa STK QueryA
Read-onlyIdempotent

Check the status of an STK Push request. Poll this 10-30 seconds after calling mpesa_stk_push. ResultCode 0 = success, 1032 = cancelled by user, 1037 = timed out.

ParametersJSON Schema
NameRequiredDescriptionDefault
checkout_request_idYesCheckoutRequestID from mpesa_stk_push response

Output Schema

ParametersJSON Schema
NameRequiredDescription

No output parameters

TDQS

A4.7/5.0
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Beyond annotations (readOnlyHint, idempotentHint), the description adds polling timing and result code meanings, disclosing behavioral traits like non-immediate result and cancellation handling.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Three concise sentences, each essential: purpose, timing advice, and result interpretation. No extraneous text.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a simple read-only tool with one parameter and existing output schema, the description fully covers polling strategy, result codes, and usage context.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100% and the description merely restates the parameter's purpose ('CheckoutRequestID from mpesa_stk_push response') without adding additional meaning or constraints.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states 'Check the status of an STK Push request' with a specific verb and resource, distinguishing it from siblings like mpesa_stk_push (initiates) and mpesa_transaction_status.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines5/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Explicitly says to poll 10-30 seconds after calling mpesa_stk_push, and interprets result codes (0=success, 1032=cancelled, 1037=timed out), providing clear when-to-use and expected outcomes.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

mpesa_transaction_statusM-Pesa Transaction StatusA
Read-onlyIdempotent

Query the status of any M-Pesa transaction by receipt number. Requires MPESA_INITIATOR_NAME and MPESA_SECURITY_CREDENTIAL env vars.

ParametersJSON Schema
NameRequiredDescriptionDefault
transaction_idYesM-Pesa receipt number e.g. QKL8XXXXXX

Output Schema

ParametersJSON Schema
NameRequiredDescription

No output parameters

TDQS

A4/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already indicate read-only, idempotent, non-destructive. Description adds valuable prerequisite info (env vars) beyond annotations. No contradictions.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Two sentences, both essential. Front-loaded with purpose, then prerequisite. No redundant information.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given simple tool with output schema and rich annotations, description is mostly complete. Missing rate limits or side-effect details, but not critical.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Input schema covers 100% of parameter with example. Description adds no new semantics, so baseline 3.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

Clear specific verb (Query) and resource (transaction status) with receipt number. Distinguishes from sibling tools like airtime_send and sms_send.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Mentions required environment variables but does not explicitly state when to use this tool vs alternatives like mpesa_stk_query. Usage is implied by name and description.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

sms_sendSend SMSA
Destructive

Send SMS to one or many recipients via Africa's Talking. Supports up to 1,000 recipients per call. Works across Kenya, Nigeria, Ghana, Tanzania, Uganda, and 15+ African markets. Returns per-recipient status and cost.

ParametersJSON Schema
NameRequiredDescriptionDefault
messageYesSMS message text. Unicode supported (Kiswahili, etc.)
sender_idNoOptional pre-registered alphanumeric sender ID
recipientsYesList of phone numbers in E.164 format e.g. ['+254712345678']

Output Schema

ParametersJSON Schema
NameRequiredDescription

No output parameters

TDQS

A4.3/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already indicate destructiveHint=true and idempotentHint=false. The description adds valuable behavioral details: the maximum recipient limit, geographic coverage, and that it returns per-recipient status and cost. No contradictions with annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is three sentences long, each serving a distinct purpose: what the tool does, its capacity and scope, and its return value. No wasted words, and the most critical information is front-loaded.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a tool with three well-documented parameters and an existing output schema, the description covers the essential aspects: operation, capacity, geographic scope, and return format. It is sufficiently complete for an agent to understand and use the tool correctly.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so the schema itself clearly documents all three parameters. The description adds no additional parameter-level meaning beyond what is in the schema (e.g., it mentions Unicode support which is already in the message description). Baseline score of 3 is appropriate.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool sends SMS via Africa's Talking, specifies the maximum recipients (1,000), mentions geographic coverage, and indicates return of per-recipient status and cost, distinguishing it from sibling tools like airtime_send or mpesa_stk_push which perform different operations.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description provides clear context for when to use the tool (sending SMS to one or many recipients) and includes practical limits (1,000 recipients). It does not explicitly mention when not to use it or compare to alternatives, but the sibling tools are sufficiently different that no confusion arises.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

Tool Schema Changelog

Recent tool additions, removals, and schema changes observed during successful MCP inspections.

  1. 5 tool updatesv0.1.0
    • First observedairtime_send
    • First observedmpesa_stk_push
    • First observedmpesa_stk_query
    • First observedmpesa_transaction_status
    • First observedsms_send

TDQS

A4.2/5.0

Scored across 5 tools

Disambiguation5/5

Each tool targets a distinct function: airtime sending, STK push initiation, STK push status query, transaction status by receipt, and SMS sending. There is no overlap or ambiguity.

Naming Consistency4/5

Most tools follow a verb_noun or noun_verb pattern (e.g., airtime_send, sms_send, mpesa_stk_push), but mpesa_transaction_status lacks a verb, breaking the pattern slightly.

Tool Count5/5

With 5 tools, the server is well-scoped for its purpose, covering core M-Pesa and SMS operations without being too few or too many.

Completeness3/5

The set covers STK push initiation/query and basic transaction status, but lacks airtime status, B2C/C2B transfers, or account balance queries, leaving notable gaps for a full M-Pesa integration.

Maintenance

ActivityActive
ResponsivenessSlow

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