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MCP server

PayLink

Open-source framework with MCP servers that let AI agents initiate mobile money payments, starting with M-Pesa STK Push via Safaricom's Daraja API.

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  • Community
  • Runs locally
  • API key

Repository and documentation last checked Built from public product pages and documentation. SourcesClaim this listing

ecommerceguide summary

PayLink is an open-source Python framework that gives AI agents a payment interface through the Model Context Protocol. Its M-Pesa MCP server calls Safaricom's Daraja API to initiate STK Push payment requests, so an agent can trigger a mobile money prompt as part of a workflow. You run it locally over stdio, via Docker Compose or uv, with provider credentials supplied in an .env file. Airtel Money, Equity Bank and KCB are listed as coming soon. MIT licensed.

Why it stands out

Open-source MIT framework whose MCP server initiates M-Pesa STK Push payment requests through Safaricom's Daraja API.

What PayLink does

ecommerceguide editorial
  • M-Pesa MCP server initiates STK Push through Safaricom's Daraja API
  • Runs locally over stdio via Docker Compose or uv
  • Provider credentials set through .env, described as secure credential management
  • Written in Python, MIT licensed, maintained by the PayLink community project
  • Airtel Money, Equity Bank and KCB listed on the roadmap
  • Repository also ships an example MCP server for reference

How ecommerce teams could use it

ecommerceguide editorial

Illustrative scenarios written by ecommerceguide from the product's documented capabilities. They are not customer case studies.

  1. A Kenyan online retailer collecting payment through M-Pesa

    Building an assistant that asks a shopper to authorise payment during a conversation

    Intended outcomeThe agent calls the M-Pesa MCP server to initiate an STK Push request to the shopper's phone.

  2. A developer team building an internal agent on top of mobile money rails

    Wiring payment initiation into an agent without writing provider-specific code

    Intended outcomePayLink exposes the M-Pesa payment call as an MCP tool, run locally over stdio with credentials from .env.

Who it suits

ecommerceguide editorial

Best for

You collect payment through M-Pesa and want an agent to initiate STK Push requests from a locally run, MIT-licensed MCP server.

Probably not for

You need Airtel Money, Equity Bank or KCB support today, hosted remote access, or anything beyond initiating M-Pesa STK Push requests.

Business size
Any stageNo pricing or stated audience; the project is a self-hosted open-source framework run from source.

Technical details

From the vendor's own pages

From the server's repository, documentation and MCP directory listings.

What an agent can do
Payments
Transport
stdio (local)
Authentication
API keyServer directories include .env.example for provider credentials; README cites 'Secure credential management'.
Package
None published; build from source
Language
Python
Licence
MIT
Repository last updated
30 Nov 2025

Connect PayLink

Third-party data
Install command
git clone https://github.com/paylinkmcp/paylink.git && cd paylink && docker compose up --build

Command as listed on the repository README, not tested by ecommerceguide. Check the official documentation (opens in a new tab) for configuration and credentials before running it.

Categories and use cases

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Sources

ecommerceguide profiles are built from public product information and written for ecommerce teams. We do not test products, and paying never changes where a listing ranks.

Also listed on mcpservers.org.

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