# M-Pesa (Safaricom Daraja)

**Canonical:** https://apis.io/providers/mpesa/  
**Website:** https://developer.safaricom.co.ke/  
**APIs profiled:** 11

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).

## Kin Score — 62.3 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 62.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 63.1 |
| Governance | 11.5 |
| Operational Transparency | 55.3 |
| Developer Ergonomics | 64.7 |
| Commercial Clarity | 89.5 |

Regulatory layer — **Payments**: 56.3 (matched via tags).

## Agent readiness — 43.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | derived |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (11)

- **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.

## MCP servers (1)

- **mpesa-mcp.yml**

## Agentic access (1)

- **Mpesa Agentic Access** — 14 operations · 9 acting · 4 human-in-the-loop

## Security (4)

- **Mpesa Authentication** — http · 3 schemes
- **Mpesa Domain Security** — HSTS · DMARC
- **Mpesa Vulnerability Disclosure** — Hackerone · contact published
- **Mpesa Trust Center** — PCI DSS v4, ISO/IEC 27001, ISO/IEC 27701, GDPR-aligned / Kenya Data Protection Act 2019

## Plans (1)

- **Mpesa Plans Pricing**

## Tags

Mobile Money, Payments, Fintech, Kenya, Africa, M-Pesa

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/mpesa/). Scores are computed from the provider's own public artifacts under a published rubric.