Side-by-Side Model Context Protocol Comparison
Mpesa MCP vs Spraay X402 MCP
In-depth architectural comparison of the Mpesa MCP and Spraay X402 MCP MCP servers. Compare execution transports, security boundaries, tool capabilities, quality scores, and ready-to-paste client installation snippets for Claude, Cursor, Windsurf, and VS Code.
At a Glance & Executive Verdict
Mpesa MCP
Finance & Fintech · Local stdio
Quality: 59/100 (Good) | Auth: API Key required
Spraay X402 MCP
Finance & Fintech · Local stdio
Quality: 60/100 (Good) | Auth: other
Verdict Summary: Choose Mpesa MCP if you need specialized Finance & Fintech tools running via a local process. Choose Spraay X402 MCP if your workspace requires Finance & Fintech integration with local subprocess execution. Both servers can be configured concurrently in your client's
mcpServers manifest.Which MCP Server Should You Choose?
Choose Mpesa MCP when:
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer local stdio subprocess transport architecture.
- Your security boundary fits: API Key required (BYOK (Pay Provider Direct)).
- You have access to required keys:
MPESA_CONSUMER_KEY, MPESA_CONSUMER_SECRET, MPESA_SHORTCODE, MPESA_PASSKEY, MPESA_CALLBACK_URL, MPESA_SANDBOX, AT_USERNAME, AT_API_KEY. - Primary tools included: mpesa_stk_push, mpesa_stk_query, mpesa_b2c.
Choose Spraay X402 MCP when:
- You need dedicated capabilities in the Finance & Fintech domain.
- You prefer local stdio subprocess transport architecture.
- Your security boundary fits: other (Free / Open Source).
- Primary tools included: spraay_chat, spraay_models, spraay_batch_execute.
Feature & Specification Comparison
Tools & Capabilities Breakdown
Mpesa MCP Tools (23)
mpesa_stk_push
Trigger M-Pesa STK Push — sends payment prompt to customer's phone.
Customer enters M-PESA PIN to complete payment.
Returns CheckoutRequestID; poll mpesa_stk_query after 10-30 seconds.
mpesa_stk_query
Check STK Push status. Poll 10-30s after mpesa_stk_push.
ResultCode 0 = success, 1032 = cancelled, 1037 = timed out.
mpesa_b2c
Business To Customer disbursement — send money from shortcode to phone.
Use for payroll, NGO field incentives, agent float, survey rewards.
Result delivered async to MPESA_RESULT_URL.
Requires MPESA_INITIATOR_NAME and MPESA_SECURITY_CREDENTIAL env vars.
mpesa_business_paybill
Pay directly from business shortcode to another paybill number.
Use for supplier payments, utility bills, inter-business transfers.
Requires MPESA_INITIATOR_NAME and MPESA_SECURITY_CREDENTIAL.
mpesa_business_buygoods
Ready-to-Paste Client Configurations
Paste either (or both) of these JSON server blocks into your client config file (e.g. claude_desktop_config.json or ~/.cursor/mcp.json).
Mpesa MCP Configuration
Spraay X402 MCP Configuration
