Payagent MCP

Name: Payagent MCP
Author: arispay-inc

by arispay-incversion 4.0.0i★ –iRuns on your computer

Registry nameio.github.stevemilton/payagent-mcp

Install

Overview

Description from the maker (original English)

Pay x402 APIs in USDC on Base, Solana, and BNB Chain with spend mandates, receipts, idempotency.

PopNx MCP’s three pillars

These three are never merged into one score: opinions, measurements and popularity are different things.

User voiceiNo reviews yetReviews open together with accounts in a later step
Our basic checksi0 of 1 passedChecked from public information; code not scanned yet
UsageiNot measured yet★ –

What you can do with it

We have not written a plain-language summary for this one yet. Below are the facts we read from the registry.

Connection: Runs on your computer
Transport: stdio
Category: Other
You need to fill in: ARISPAY_API_KEY, PAYAGENT_PRIVATE_KEY

Install

Pick the AI app you use, then copy the settings.

Before you install

Basic checks: 0 of 1 passed
Runs on your computer with your user’s permissions (files, network, apps).
You fill in yourself: ARISPAY_API_KEY, PAYAGENT_PRIVATE_KEY

Values marked secret are keys to your account. Never share them or paste them into a chat.

You need

npmNode.js installed (for the npx command)

Which app do you use?

ClaudeClaude CodeCursorVS CodeChatGPT

Pick your app above. We remember it, so next time the button says “Install in …”.

Open Claude Desktop → Settings → Developer → Edit Config, and paste this into claude_desktop_config.json

{
  "mcpServers": {
    "payagent": {
      "command": "npx",
      "args": [
        "-y",
        "@arispay/payagent-mcp"
      ],
      "env": {
        "ARISPAY_API_KEY": "your-value",
        "PAYAGENT_PRIVATE_KEY": "your-value"
      }
    }
  }
}

Run this in your terminal

claude mcp add payagent --env ARISPAY_API_KEY=your-value --env PAYAGENT_PRIVATE_KEY=your-value -- npx -y @arispay/payagent-mcp

Fill in the empty values before running it.

Open in Cursor

Or copy the settings yourself

Paste into .cursor/mcp.json in your project, or ~/.cursor/mcp.json

{
  "mcpServers": {
    "payagent": {
      "command": "npx",
      "args": [
        "-y",
        "@arispay/payagent-mcp"
      ],
      "env": {
        "ARISPAY_API_KEY": "your-value",
        "PAYAGENT_PRIVATE_KEY": "your-value"
      }
    }
  }
}

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

Open in VS Code

Or copy the settings yourself

Paste into .vscode/mcp.json in your project

{
  "servers": {
    "payagent": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "@arispay/payagent-mcp"
      ],
      "env": {
        "ARISPAY_API_KEY": "your-value",
        "PAYAGENT_PRIVATE_KEY": "your-value"
      }
    }
  }
}

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

This one runs on your computer, and ChatGPT can only connect to servers on the internet. Pick another app.

Your choice stays on this device in a cookie; no account needed.

Values you fill in

ARISPAY_API_KEY secret env
ArisPay developer API key (ap_live_… / ap_test_…). Optional — the create_user tool can self-provision one from just an email, or set PAYAGENT_PRIVATE_KEY to sign locally with no account.
PAYAGENT_PRIVATE_KEY secret env
EVM private key for permissionless local signing (zero-signup mode): pay_api signs x402 payments with it directly — no ArisPay account needed. Generate one with `npx payagent wallet new`. Never sent…

These settings are generated from the maker’s registry entry. If the README says otherwise, follow the README.

What it can do

Runs on your computer; the tool list appears in your AI app after you install it.

Basic checksi

We check information anyone can see; we have not read the code. Checks that do not apply are left out of the count. · Checked Nov 7, 2026

! Caution
Maker matches the repo
The publisher (stevemilton) is not the repo owner (arispay-inc); someone else may have listed it
… Not checked yet
Still maintained
We have not read this repo from GitHub yet
… Not checked yet
Has a licence
We have not read this repo from GitHub yet
– Not applicable
Endpoint responds
This one runs on your computer; there is no internet endpoint
– Not applicable
Sign-in with OAuth
Runs on your computer and uses local settings instead
… Not checked yet
No hidden instructions in tool descriptions
Runs on your computer; we can only read tool lists from internet endpoints

Compared with others in Otheri

More stars than 0% of the other 32700 servers in this category
Published to the registry more recently than 30% of the other 32700 servers in this category
Basic checks equal to or better than 28% of the other 32700 servers in this category

Compared with every active server in this category in the registry. Stars count only when the publisher owns the repo.

Common questions

Is Payagent MCP safe?

It passed 0 of 1 applicable basic checks. We have not read the code. Before adding a key or token, see what access the server asks for and use a key with only the permissions you need.

What keys or codes does it need?

You need to fill in: ARISPAY_API_KEY, PAYAGENT_PRIVATE_KEY

Does it run on my computer or in the cloud?

It runs on your computer. Your AI app starts it when needed, and data does not pass through the maker’s servers (unless it calls an online service itself).

Is it still maintained?

The GitHub repo last changed –, and the latest version (4.0.0) reached the registry 2 months ago.

Which apps can use it?

Apps that support MCP, such as Claude Desktop, Claude Code, Cursor and VS Code. You also need Node.js on your computer.

What can I use instead?

In the same category: Spec Driven Development, Remote Desktop Commander, Agent Data Tools: Utilities

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README from the maker

Open the README

Copied from the maker’s repo as written. PopNx MCP has not reviewed or endorsed it. HTML, images and scripts are removed. Links lead off this site.

@arispay/payagent-mcp

One coherent USDC payment product for AI agents: call x402-paid APIs, with spend mandates, receipts, and idempotency. Works with Claude Desktop, Cursor, Windsurf, or any MCP client. A thin wrapper around the payagent SDK.

Two ways to hold the wallet:

Local key (zero signup). Set PAYAGENT_PRIVATE_KEY to a funded EOA key. pay signs EIP-3009 locally — no ArisPay account, no email. The only guardrail is the wallet balance; use a dedicated low-balance wallet.
Delegated custody (managed, recommended). setup({ email }) self-provisions an account, a CDP-managed wallet, and a spend mandate in one call. ArisPay enforces per-transaction, daily, and monthly limits server-side before signing; no private key ever lives in this process.

Tools

Seven core tools (the default surface):

Tool	What it does	Money
`setup`	Create or recover an account + payer wallet in one call (delegated mode)	moves none
`discover`	Search the paid-API catalog by intent + budget	read-only
`inspect`	Read a URL's price and payment requirements without paying	read-only
`pay`	The complete machine path: request → 402 → select variant → validate policy → pay → structured receipt. Requires an `idempotencyKey`; a repeated key returns the cached receipt without paying again	spends real money
`balance`	Active identity, deposit address, on-chain USDC balance, mandate limits	read-only
`history`	Recent payments — server feed (delegated) or local receipts (self-custody)	read-only
`check_payment_signal`	Buy ArisPay Signal: recent signed probe evidence about an x402 resource (did a real paid probe settle and deliver?). A still-valid cached artifact returns without spending; an unknown resource is answered free	spends 1¢ per uncached call

Wallet administration (create_agent, fund_agent, list_agents, rename_agent) loads only when the host config sets PAYAGENT_MCP_PROFILE=admin.

Every tool declares MCP safety annotations (readOnlyHint, destructiveHint, idempotentHint, openWorldHint); pay and check_payment_signal are the only destructive tools — both spend real money.

Support matrix

Asset	Network	Local key (self-custody)	Delegated (managed mandate)
USDC	Base (default)	✅	✅
USDC	Ethereum, Polygon	✅	✅
USDC	Base Sepolia (testnet)	✅	✅
USDC (SPL)	Solana, Solana devnet	❌ (EVM signing only)	✅ (live on `api.arispay.app` since 2026-08-25)
USD1	BNB Chain	✅	✅

Notes:

All prices are quoted by sellers in the 402 challenge; pay prefers an EVM variant and falls back to Solana when the seller offers no EVM option.
Delegated mandates are integer cents, validated server-side before any signature exists. Local mode has no server-side cap.
Settlement is a single on-chain transferWithAuthorization (EIP-3009): it succeeds or reverts atomically. When the seller returns X-PAYMENT-RESPONSE, the receipt carries the settlement transaction hash.
ArisPay's own facilitator (facilitator.arispay.app) charges no facilitator fee; sellers may use any facilitator, and their fee/finality policy applies.

Setup

Add the server to your MCP client config. No environment variables are required — pick a wallet mode later, from inside the chat, or set one of the env options below.

Claude Desktop

Edit ~/Library/Application Support/Claude/claude_desktop_config.json:

"mcpServers": { "arispay": { "command": "npx", "args": ["-y", "@arispay/payagent-mcp"] } } }

For the zero-signup mode, add the key to the env block:

      "env": { "PAYAGENT_PRIVATE_KEY": "0x..." }

Cursor

Same server block in .cursor/mcp.json. Windsurf: same pattern in ~/.codeium/windsurf/mcp_config.json.

Cold start, from nothing

Zero signup: generate a key with npx payagent wallet new, put it in the host config as PAYAGENT_PRIVATE_KEY, send USDC on Base to the printed address. balance shows the deposit address; pay pays.
Managed: ask the agent to run setup({ email: "you@example.com" }) — it returns the wallet address and mandate. Fund the wallet with USDC, confirm with balance, then pay. Credentials persist to ~/.payagent/config.json and are shared with the payagent CLI.

Environment variables (all optional)

Variable	Description
`PAYAGENT_PRIVATE_KEY`	Funded EOA key for local self-custody signing (zero-signup mode).
`ARISPAY_API_KEY`	Developer key — usually unneeded; `setup` self-provisions one.
`ARISPAY_URL`	ArisPay API base URL. Default `https://api.arispay.app`.
`PAYAGENT_MCP_PROFILE`	`admin` additionally loads the four wallet-administration tools. Default: core (seven tools).
`ARISPAY_AGENT_KEY` / `PAYAGENT_WALLET`	Legacy single-agent pair for v2.0.x hosts.

Migrating from v3

v4 is a breaking release: the surface collapsed to one x402/USDC product.

v3 tool	v4
`create_user`	`setup`
`pay_api`	`pay` (now requires `idempotencyKey`, returns a structured receipt)
`discover_paid_api`	`discover`
`inspect_paid_api`	`inspect`
`check_wallet`, `get_balance_agent`	`balance`
—	`history` (new)
`create_agent`, `fund_agent`, `list_agents`, `rename_agent`	unchanged, behind `PAYAGENT_MCP_PROFILE=admin`
`create_wallet`, `list_wallets`, `fund_wallet`, `get_balance`, `pay_merchant`, `create_enduser`, `attach_card_for_user`, `set_user_limits`, `get_user_status`	removed — the fiat funding and platform (end-user) surfaces left the public MCP

Receipts and idempotency

pay requires a caller-chosen idempotencyKey (min 8 chars — use a UUID). Every completed payment writes a machine-readable receipt (amount, asset, network, wallet, settlement tx, remaining mandate) to ~/.payagent/mcp-receipts.json. Re-calling pay with a key that already paid returns the stored receipt and does not pay again — including when the paid request failed mid-flight. history lists receipts in self-custody mode; delegated mode reads the authoritative server feed.

How it works

The agent calls pay with a URL and an idempotencyKey; the seller answers HTTP 402 with its price.
With PAYAGENT_PRIVATE_KEY set, payagent signs the EIP-3009 authorization locally. Otherwise ArisPay validates the request against the agent's mandate and signs via Coinbase CDP.
payagent retries with the signed payment header; the seller's facilitator settles USDC on-chain.
The tool returns the paid response plus a structured receipt.

In delegated mode, no private key lives in this process and payments that breach the mandate are rejected before any on-chain action. In local mode, the key is yours and stays in your process.

Install

npm install @arispay/payagent-mcp

Or invoke directly via npx @arispay/payagent-mcp from an MCP client config — no pre-install required. npx buyforme-mcp is the same server under the consumer brand.

payagent — the SDK + CLI for programmatic use
facilitator.arispay.app — ArisPay's open x402 facilitator, where paid 402s settle
x402 protocol — HTTP 402 payment standard

License

MIT

Payagent MCP

Overview

PopNx MCP’s three pillars

What you can do with it

Install

Before you install

Values you fill in

What it can do

Basic checksi

Maker matches the repo

Still maintained

Has a licence

Endpoint responds

Sign-in with OAuth

No hidden instructions in tool descriptions

Compared with others in Otheri

Common questions

Alternatives

Spec Driven Development

Remote Desktop Commander

Agent Data Tools: Utilities

README from the maker

@arispay/payagent-mcp

Tools

Support matrix

Setup

Claude Desktop

Cursor

Cold start, from nothing

Environment variables (all optional)

Migrating from v3

Receipts and idempotency

How it works

Install

Related

License