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M-Pesa (Safaricom Daraja)

M-Pesa is Safaricom's mobile-money platform for Kenya, exposed to developers through the Daraja API. The Daraja REST APIs let businesses collect payments (M-Pesa Express / STK Push, C2B), disburse funds (B2C, B2B), query transactions and balances, reverse payments, generate dynamic QR codes, and run standing orders — authorized with OAuth bearer tokens minted from Basic credentials, priced in Kenyan Shillings (KES).

agent native

Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.

Kin Score

API Evangelist profiles M-Pesa (Safaricom Daraja) the way a machine reads it — 21 machine-readable artifacts across 11 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.

Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — M-Pesa (Safaricom Daraja) scores 67.5/100 (strong), with a separate agent-readiness read of 87/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 67.5/100 · strong
Contract Quality 15.3 / 25
Developer Ergonomics 15.2 / 20
Commercial Clarity 17.9 / 20
Operational Transparency 7.2 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Payments 11.7 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

How we profile M-Pesa (Safaricom Daraja)

Each block below is one kind of artifact we hold for M-Pesa (Safaricom Daraja). For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 11

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

M-Pesa (Safaricom Daraja) Account Balance API

The Account Balance API from M-Pesa (Safaricom Daraja) — 1 operation(s) for account balance.

M-Pesa (Safaricom Daraja) Authorization API

The Authorization API from M-Pesa (Safaricom Daraja) — 1 operation(s) for authorization.

M-Pesa (Safaricom Daraja) B2B API

The B2B API from M-Pesa (Safaricom Daraja) — 2 operation(s) for b2b.

M-Pesa (Safaricom Daraja) B2C API

The B2C API from M-Pesa (Safaricom Daraja) — 1 operation(s) for b2c.

M-Pesa (Safaricom Daraja) C2B API

The C2B API from M-Pesa (Safaricom Daraja) — 2 operation(s) for c2b.

M-Pesa (Safaricom Daraja) Dynamic QR API

The Dynamic QR API from M-Pesa (Safaricom Daraja) — 1 operation(s) for dynamic qr.

M-Pesa (Safaricom Daraja) M-Pesa Express API

The M-Pesa Express API from M-Pesa (Safaricom Daraja) — 2 operation(s) for m-pesa express.

M-Pesa (Safaricom Daraja) Reversal API

The Reversal API from M-Pesa (Safaricom Daraja) — 1 operation(s) for reversal.

M-Pesa (Safaricom Daraja) Standing Order API

The Standing Order API from M-Pesa (Safaricom Daraja) — 1 operation(s) for standing order.

M-Pesa (Safaricom Daraja) Tax Remittance API

The Tax Remittance API from M-Pesa (Safaricom Daraja) — 1 operation(s) for tax remittance.

M-Pesa (Safaricom Daraja) Transaction Status API

The Transaction Status API from M-Pesa (Safaricom Daraja) — 1 operation(s) for transaction status.

Scroll within the panel for all 11 ·

MCP Servers 1

Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.

Model Context Protocol servers that expose these APIs to AI agents.

mpesa-mcp.yml

MCP SERVER

Pricing Plans 1

Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.

Published pricing tiers and plan structures.

Mpesa Plans Pricing

3 plans

PLANS

Rate Limits 1

Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.

Documented rate limits and quota policies.

Mpesa Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.

Cost, billing, and metering signals for API financial operations.

Mpesa Finops

FINOPS

Event Specifications 1

Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.

AsyncAPI definitions for this provider's event-driven and streaming APIs.

M-Pesa Daraja Callbacks

The asynchronous callback (webhook) surface of the M-Pesa Daraja API. Daraja delivers the real outcome of collections and funds-movement operations by POSTing JSON to caller-hos...

ASYNCAPI

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Mpesa Authentication

http · 3 schemes

SECURITY

Mpesa Domain Security

HSTS · DMARC

SECURITY

Mpesa Vulnerability Disclosure

Hackerone · contact published

SECURITY

Mpesa Trust Center

PCI DSS v4, ISO/IEC 27001, ISO/IEC 27701, GDPR-aligned / Kenya Data Protection Act 2019

SECURITY

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Mpesa Agentic Access

14 operations · 9 acting · 4 human-in-the-loop

14 operations · 9 acting

AGENTIC

Resources

Every other property we hold for M-Pesa (Safaricom Daraja) — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

Documentation 3

Reference material describing how the API behaves

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

Operate 2

Status, limits, changes, and where to get help

Company 1

The organization behind the API

Other 1

Properties that don't map to a standard resource type

← All providers · Data indexed from github.com/api-evangelist/mpesa · machine-readable index on apis.io