Autonomous Rails for
Modern African Payments.
Explore how autonomous AI agents, developers, individuals, and modern businesses automate M-Pesa, PayBills, Tills, and Pesalink bank rails with Lipafy.
AI Chat Assistant via WhatsApp & Telegram
Settle utility bills, buy goods, and split expenses directly from chat without typing M-Pesa PINs.
Connect your personal Telegram, WhatsApp, or Claude agent to Lipafy via MCP or webhooks. Simply text "Pay my Safaricom Fibre KES 3,000 for account 0722123456" or "Buy goods at Till 5421099 for KES 450", and your AI assistant settles the transaction securely within your pre-configured daily spending limits.
Supported Rails
Execution Lifecycle
Natural Language Prompt
You text your Telegram or WhatsApp bot: "Pay my Safaricom Fibre KES 3,000 for account 0722123456".
Policy & Limit Check
Lipafy verifies the payment amount is within your daily personal spending limit (e.g. max KES 5,000).
Instant Settlement & Reply
Payment intent settles in < 3s via Safaricom Fibre PayBill, and your bot instantly sends back the confirmation code.
Settlement Latency
< 3.2s
1234567891011121314// WhatsApp/Telegram AI assistant executes Safaricom Fibre payment via Lipafyimport { Lipafy } from '@lipafy/sdk'const lipafy = new Lipafy({ apiKey: process.env.LIPAFY_API_KEY })// Natural language prompt converted to instant PayBill intentawait lipafy.payments.create({ paymentType: 'PAYBILL_PAYMENT', paybill: '150501', // Safaricom Home Fibre accountReference: '0722123456', // Customer Fibre Account amountMinor: '300000', // KES 3,000.00 currency: 'KES', purpose: 'Monthly Home Fibre Renewal via Telegram Assistant',})Knowledge Base
Frequently Asked Questions
Everything you need to know about autonomous payments, limits, and security rails.
Lipafy gives your AI agents (via MCP, API, or CLI) the ability to propose payment intents rather than directly handling bank credentials. Transactions under your configured auto-approval threshold (e.g. KES 1,000) settle instantly on Safaricom M-Pesa or Pesalink rails. Any transaction exceeding the limit is held safely in escrow until you approve it from your phone or dashboard.
Get started
Add payment controls
to every agent request.
Set limits, approve requests, show fees clearly, and reconcile local payments without exposing routing credentials.
npx lipafy whoamiLipafy wraps `curl`, Python, TypeScript, and MCP so your agents can spend safely right from your local environment.