Hi people,<br><br>I&#39;m just wondering if it&#39;s possible to automate payments by M-Pesa, Zap, or yuCash.<br><br>I mean, like writing an application (SIM based) that *sends* money to a different phone, by communicating with the servers at the respective telcos. Do they use standards-compliant, or reverse-engineerable protocols?<br>

<br>Or maybe by &quot;automating&quot; the M-Pesa (or Zap, or yuCash) SIM application.<br><br>Note that I know almost nothing about STK (SIM Application Toolkit) or USSD (Unstructured Supplementary Service Data).<br><br>
Joseph Wayodi.<br>