🌍 Africa Payments MCP

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

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✨ 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.

<p align="center"> <img src="docs/assets/demo.gif" alt="Africa Payments MCP Demo" width="800"/> <br> <em>See it in action with Claude, ChatGPT, Cursor, and any MCP client</em> </p>

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🎬 See It In Action

Demo with Claude	Demo with Cursor

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💡 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

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🚀 Quick Start

One-Line Installer (Recommended)

curl -fsSL https://raw.githubusercontent.com/kenyaclaw/africa-payments-mcp/main/scripts/install.sh | bash

Or with wget:

wget -qO- https://raw.githubusercontent.com/kenyaclaw/africa-payments-mcp/main/scripts/install.sh | bash

Manual Installation

1. Install

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

2. Configure

Interactive wizard (recommended):

africa-payments-mcp init
# Beautiful interactive setup with emoji and progress indicators

Auto-detect existing credentials:

africa-payments-mcp detect --output config.json
# Automatically finds MPESA_*, PAYSTACK_* env vars and config files

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"

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🐳 Docker Quick Start

Run with Docker (no Node.js installation required):

# Pull the latest image
docker pull kenyaclaw/africa-payments-mcp:latest

# Run with a config file
docker run -v $(pwd)/config.json:/app/config/config.json \
  kenyaclaw/africa-payments-mcp:latest

# Or run with environment variables
docker run -e MPESA_CONSUMER_KEY=xxx \
  -e MPESA_CONSUMER_SECRET=xxx \
  -e PAYSTACK_SECRET_KEY=xxx \
  kenyaclaw/africa-payments-mcp:latest

Docker Compose

version: '3.8'
services:
  africa-payments:
    image: kenyaclaw/africa-payments-mcp:latest
    volumes:
      - ./config.json:/app/config/config.json:ro
    environment:
      - NODE_ENV=production
    ports:
      - "3000:3000"  # For webhook support
    restart: unless-stopped

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🔌 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

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📖 Documentation

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

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🏗️ 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   │ │                         │ │
│  └─────────────┘ └─────────────┘ └─────────────────────────┘ │
└─────────────────────────────────────────────────────────────┘

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🌟 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

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🤝 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

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📜 License

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

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💬 Join the Community

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

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<p align="center"> <strong>Built with ❤️ in Nairobi, Lagos, Accra, and across the continent</strong> <br> <em>🇰🇪 🇳🇬 🇬🇭 🇹🇿 🇺🇬 🇿🇦 🇪🇬 🇲🇦 🇷🇼 🇪🇹 🇸🇳 🇨🇮</em> </p>

<p align="center"> <img src="docs/assets/africa-payments-logo.svg" alt="Africa Payments MCP" width="200"/> </p>

🚀 Launch Materials

Ready to launch? Check out our complete launch kit: 📋 LAUNCH.md - Twitter, HN, Dev.to, LinkedIn, Product Hunt templates