Initiate M-Pesa STK Push (SIM Toolkit push) to request payment from a customer. This sends a payment prompt directly to the customer
AI agents use 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 initiates a real financial transaction by pushing a payment request to a customer's mobile device via M-Pesa STK Push. It directly triggers a payment flow that, if misused, could fraudulently solicit money from customers. Financial category applies as it moves money or commits financial obligations, and severity is critical due to the potential for unauthorized payment solicitation at scale.
From the tool's definition Initiate M-Pesa STK Push...to request payment from a customer. This sends a payment prompt directly to the customer
Attacks that exploit this kind of access
Initiate M-Pesa STK Push (SIM Toolkit push) to request payment from a customer. This sends a payment prompt directly to the customer. 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 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.
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 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 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.
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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