africa-mobile-money

africa-mobile-money is a skill for Claude Code, Codex from BuilderCed/agent-skills. It costs 36 tokens per session (972 once invoked), scanned A, original, MIT.

Integration guidance for accepting mobile-phone payments through M-Pesa, Orange Money, Wave, and MTN MoMo in African markets.

In plain words
What is it for?
Use it to build payment flows for apps, websites, smartphones, or feature phones, including payment confirmation, reconciliation, and multi-operator support.
Why use it?
It addresses the different APIs, authentication methods, callbacks, errors, and transaction matching needed when supporting several payment operators.

Skill for Claude CodeCodex

Which agent this was written for is unclear — built for cline. Also seen: mentions Codex; built for cline; mentions Gemini CLI.

Good fit Use it to build payment flows for apps, websites, smartphones, or feature phones, including payment confirmation, reconciliation, and multi-operator support.

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Install with agentmods
npx agentmods add skills/builderced/agent-skills/africa-mobile-money
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add BuilderCed/agent-skills --skill africa-mobile-money
Clone the repo
git clone --depth 1 https://github.com/BuilderCed/agent-skills

Made for: Claude Code, Codex.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for africa-mobile-money

README.md
[![agentmods](https://agentmods.dev/badge/skills/builderced/agent-skills/africa-mobile-money/github.svg)](https://agentmods.dev/skills/builderced/agent-skills/africa-mobile-money)
Your own site
<a href="https://agentmods.dev/skills/builderced/agent-skills/africa-mobile-money"><img src="https://agentmods.dev/badge/skills/builderced/agent-skills/africa-mobile-money/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

agentmods 80×15 button for africa-mobile-money

Your own site · 80×15
<a href="https://agentmods.dev/skills/builderced/agent-skills/africa-mobile-money"><img src="https://agentmods.dev/badge/skills/builderced/agent-skills/africa-mobile-money.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 36 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 972 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00036 $0.00972
Opus 5 $0.00018 $0.00486
Sonnet 5 $0.00007 $0.00194
Haiku 4.5 $0.00004 $0.00097

Measured 11d ago against content hash 0d0494a37519, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-11, from the pricing page.

Security

Grade A, and why

africa-mobile-money scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 11d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

skills/africa/africa-mobile-money/SKILL.md · 115 lines

How it starts

The opening of the file, as written. The whole thing — 115 lines — stays where its author put it; the contents beside it link to each section on GitHub.

Africa Mobile Money Integration

DISCLAIMER: This skill provides integration patterns only. It does not constitute financial advice. Payment processing is regulated — verify compliance with local financial authorities in each market.

When to Use

  • Accepting payments from African mobile money users
  • Building multi-operator payment flows
  • Implementing reconciliation for mobile money transactions
  • Designing payment UX for feature phones (USSD) and smartphones

Supported Operators

Operator Markets API Auth
M-Pesa (Safaricom) Kenya, Tanzania, DRC, Mozambique Daraja 2.0 OAuth2
Orange Money Senegal, Mali, Cote d'Ivoire, Cameroon, 10+ OMAPI API Key
Wave Senegal, Cote d'Ivoire, Mali, Uganda REST API Key
MTN MoMo Ghana, Uganda, Rwanda, Cameroon, 10+ Open API OAuth2 + Subscription Key

Common Payment Flow

1. Customer initiates payment (app, USSD, or web)
2. Your server calls operator API (STK Push / Payment Request)
3. Customer receives prompt on phone → enters PIN
4. Operator processes → sends callback to your server
5. Your server verifies callback signature
6. Update order status + send confirmation

Key Patterns

Multi-Operator Detection

Detect operator from phone number prefix:

Kenya:
  07XX, 01XX → Safaricom (M-Pesa)
  0720-0729  → Safaricom
  0733-0739  → Safaricom

Senegal:
  77X → Orange Money
  78X → Wave
  76X → Free Money

Idempotency

Mobile money callbacks can arrive multiple times. Always:

  • Use a unique transaction ID per request
  • Check if transaction already processed before updating state
  • Store callback raw payload for reconciliation

Timeout Handling

Mobile money transactions have long confirmation times:

  • M-Pesa STK Push: up to 60s for customer PIN entry
  • Orange Money: up to 120s
  • Design for: pending → success/failed/expired states
  • Never assume failure on timeout — always check status API

Reconciliation

Daily reconciliation is critical:

  1. Fetch transaction report from operator API (daily)
  2. Compare with your local records
  3. Flag mismatches: received but not recorded, recorded but not received
  4. Investigate and resolve within 24h

Read the full file on GitHub · 115 lines

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 11d ago First seen · 115 lines · 36 tokens per session scan A 0d0494a37519

Subscribe to this mod's changes

africa-mobile-money is a skill published in the GitHub repository BuilderCed/agent-skills (2 stars, last pushed 4mo ago), licensed MIT. It adds 36 tokens to every session and 972 once invoked, about $0.0002 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.

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