🌍 Africa Payments MCP

The missing piece for African fintech. One MCP server. Every major African payment provider. Natural language payments.

✨ What if accepting payments was as easy as sending a message?

# "Send KES 5,000 to Mary via M-Pesa"
# "Request $100 from a customer in Nigeria"  
# "Check if that MTN MoMo payment came through"
# "Process a refund for order #12345"

No more wrestling with 5 different APIs. No more juggling documentation.
Just natural language that works across M-Pesa, Paystack, MTN MoMo, and more.

🎬 See It In Action

| Demo with Claude | Demo with Cursor | |:----------------:|:----------------:| | | |

💡 Why Africa Payments MCP?

The Problem 😤

Africa has the world's most innovative payment systems—M-Pesa, Paystack, Flutterwave, MTN MoMo, Chipper Cash—but integrating them is a nightmare:

• 🔀 Fragmented APIs: M-Pesa uses SOAP. Paystack uses REST. MTN MoMo uses something entirely different.
• 📚 Scattered Documentation: Hours spent hunting for the right docs
• 🔧 Different Auth Methods: API keys, OAuth, basic auth—each one unique
• 🐛 Edge Cases Everywhere: Each provider has quirks that break your code
• ⏱️ Weeks of Integration Time: Before you process a single payment

The Solution 🎯

One MCP server. Every provider. Natural language.

// Instead of this...
const mpesa = new MpesaAPI({ consumerKey, consumerSecret, passkey });
await mpesa.authenticate();
const result = await mpesa.stkPush({ phone, amount, accountRef });

// Just say this:
"Send KES 5,000 to 254712345678 via M-Pesa"

The Impact 🚀

• ⚡ Ship in hours, not weeks — Your first payment working today
• 🧠 AI-native from day one — Built for the era of AI agents
• 🌍 Truly Pan-African — One integration covers the continent
• 🔓 Open Source — MIT licensed, community-driven
• 🛠️ Developer-First — Built by Africans who understand the pain

🚀 Quick Start

1. Install

npm install -g @kenyaclaw/africa-payments-mcp

2. Configure

africa-payments-mcp init
# Follow the prompts to add your provider credentials

3. Connect to Your AI

Add to your MCP client configuration:

{
  "mcpServers": {
    "africa-payments": {
      "command": "africa-payments-mcp",
      "env": {
        "MPESA_CONSUMER_KEY": "your_key",
        "PAYSTACK_SECRET_KEY": "your_key"
      }
    }
  }
}

4. Start Accepting Payments

Open Claude, ChatGPT, Cursor, or any MCP client and just ask:

"Send KES 5,000 to Mary via M-Pesa"

🔌 Supported Providers

| Provider | Countries | Status | Features | |----------|-----------|--------|----------| | M-Pesa | 🇰🇪 Kenya, 🇹🇿 Tanzania, 🇲🇿 Mozambique, 🇨🇩 DRC, 🇪🇬 Egypt | ✅ Ready | STK Push, B2C, B2B, C2B, Reversal | | Paystack | 🇳🇬 Nigeria, 🇬🇭 Ghana, 🇿🇦 South Africa, +4 more | ✅ Ready | Cards, Bank Transfer, Mobile Money | | MTN MoMo | 🇳🇬 Nigeria, 🇬🇭 Ghana, 🇺🇬 Uganda, +12 more | ✅ Ready | Collections, Disbursements, Remittances | | Flutterwave | 🇳🇬 Nigeria, 🇰🇪 Kenya, 🇿🇦 South Africa, +30 more | 🚧 Beta | Cards, Mobile Money, Bank Transfer | | Chipper Cash | 🇳🇬 Nigeria, 🇬🇭 Ghana, 🇰🇪 Kenya, +7 more | 🚧 Beta | P2P Transfers, Payments |

💡 Want to add a provider? See our contribution guide

📖 Documentation

• 📚 Full Documentation
• 🚀 Quick Start Guide
• 🔧 Provider Setup
• 💻 API Reference
• 🧪 Examples

🏗️ Architecture

┌─────────────────────────────────────────────────────────────┐
│                    Your AI Agent                             │
│              (Claude, ChatGPT, Cursor, etc.)                │
└─────────────────────┬───────────────────────────────────────┘
                      │ MCP Protocol
┌─────────────────────▼───────────────────────────────────────┐
│              Africa Payments MCP Server                      │
│  ┌─────────────┐ ┌─────────────┐ ┌─────────────────────────┐ │
│  │   M-Pesa    │ │  Paystack   │ │     MTN MoMo            │ │
│  │   Adapter   │ │   Adapter   │ │     Adapter             │ │
│  └─────────────┘ └─────────────┘ └─────────────────────────┘ │
│  ┌─────────────┐ ┌─────────────┐ ┌─────────────────────────┐ │
│  │ Flutterwave │ │ ChipperCash │ │    More Coming...       │ │
│  │   Adapter   │ │   Adapter   │ │                         │ │
│  └─────────────┘ └─────────────┘ └─────────────────────────┘ │
└─────────────────────────────────────────────────────────────┘

🌟 What Developers Are Saying

"Integrated M-Pesa in 10 minutes. Took me 3 weeks the old way."
— David O., Fintech Developer, Lagos

"Finally, payments that work the way I think about them."
— Grace W., Startup Founder, Nairobi

"The USB-C of African payments. One connection, everything works."
— Kofi A., Full Stack Engineer, Accra

🤝 Contributing

We built this for Africa's developers. Help us make it better:

1. 🍴 Fork the repo
2. 🌿 Create your branch (git checkout -b feature/amazing-feature)
3. 💻 Make your changes
4. ✅ Add tests
5. 📝 Update documentation
6. 🔀 Submit a PR

Read our Contributing Guide

📜 License

MIT License — use it, modify it, build the future of African fintech.

💬 Join the Community

• 🐦 Twitter/X
• 💼 LinkedIn
• 💬 Discord
• 📧 Email us