Initiate M-Pesa STK Push (Paybill/Till number payment). Sends payment prompt to customer phone.
AI agents use mpesa_stk_push to commit financial operations through Africa Payments MCP — usually the final step of a payment, billing, or trading workflow. A call moves real money.
This tool directly initiates a mobile money payment request via M-Pesa's STK Push mechanism, which triggers a real financial transaction prompt on a customer's phone. It involves moving money and committing financial obligations, placing it firmly in the Financial category. Misuse could result in unauthorized payment requests being sent to customers, making it critical severity.
From the tool's definition Initiate M-Pesa STK Push (Paybill/Till number payment). Sends payment prompt to customer phone.
Attacks that exploit this kind of access
Initiate M-Pesa STK Push (Paybill/Till number payment). Sends payment prompt to customer phone. It is categorised as a Financial tool in the Africa Payments MCP MCP Server, which means it involves financial transactions. Block by default and require explicit approval.
Register the Africa Payments MCP server in PolicyLayer and add a rule for mpesa_stk_push: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Africa Payments MCP. Nothing to install.
mpesa_stk_push is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.
Yes. Add a rate_limit block to the mpesa_stk_push rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for mpesa_stk_push. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
mpesa_stk_push is provided by the Africa Payments MCP server (kenyaclaw/africa-payments-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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