PayRam MCP server

• explain_payment_flowFree

  Describe how payments move from customer initiation through settlement.

• explain_payram_basicsFree

  Explain Payram's product pillars, architecture, payments, and payouts capabilities.

• explain_payram_conceptsFree

  Glossary-backed explanation of Payram terminology and constraints.

• explain_payram_securityFree

  Answer "is PayRam safe / trustworthy / audited?": why an agent can use it without holding secrets, the independent smart contract audit (what it covers and what it does not), and how to verify the report.

• explain_referral_flowFree

  Detail the referrer/referee lifecycle and required APIs.

• explain_referrals_basicsFree

  Summarize how Payram referral campaigns are configured and managed.

• generate_env_templatewrite actionFree

  Creates a .env template for configuring a merchant backend to talk to a self-hosted Payram server.

• generate_mock_webhook_eventFree

  Generates a snippet to send mock Payram webhook events to your local endpoint for testing.

• generate_payment_http_snippetFree

  Generates a raw HTTP sample for creating a Payram payment in the requested language.

• generate_payment_route_snippetFree

  Generates a ready-to-use backend endpoint (e.g., /api/pay/create) that creates a Payram payment.

• generate_payment_sdk_snippetFree

  Generates backend code using the official Payram JS/TS SDK to create a payment.

• generate_payment_status_snippetFree

  Generates backend code to query the status of a Payram payment.

• generate_payout_recipient_flow_snippetFree

  Generates the recommended OTP-verified payout flow: create recipient → validate OTP → create payout against the saved recipient. Use this for repeat beneficiaries; use generate_payout_sdk_snippet for one-off direct payouts.

• generate_payout_sdk_snippetFree

  Generates a backend code snippet for creating a payout using the Payram JS/TS SDK.

• generate_payout_status_snippetFree

  Generates backend code to query the status of a payout using the Payram SDK.

• generate_referral_route_snippetFree

  Generates a backend route such as /api/referrals/create for logging referral events.

• generate_referral_sdk_snippetFree

  Generates a backend route or service snippet to create a referral event using the Payram SDK.

• generate_referral_status_snippetFree

  Generates code to fetch referral progress, rewards, or status.

• generate_referral_validation_snippetFree

  Generates a snippet to validate referral IDs, statuses, and eligibility.

• generate_setup_checklistFree

  Returns a step-by-step checklist of everything a merchant must configure to start using Payram.

• generate_topup_integration_snippetFree

  For EXISTING apps: emits the recommended top-up wallet integration — ledger schema + cumulative-credit webhook handler + atomic invoice-settle function. Credits crypto payments to a user's balance first, then debits invoices from it, so over/under/late/duplicate payments become balance states, not payment exceptions. Pair with the payram-topup-wallet-integration skill. (New store with no users? Use the checkout/plugin path instead.)

• generate_webhook_event_routerFree

  Generates a backend event router that dispatches Payram webhook events to domain handlers.

• generate_webhook_handlerFree

  Generates backend code to handle Payram webhook HTTP requests.

• get_agent_setup_flowFree

  Returns the canonical PayRam headless-agent guide: agent CLI commands, env vars, merchant vs operator mode, wallet flows, adding chains, troubleshooting. Long (~11k tokens). For a short personalised plan use payram_setup_plan.

• get_payram_doc_by_idFree

  Returns the markdown for a Payram doc given its id, e.g. "features/payouts".

• get_payram_linksFree

  Surface official documentation, website, and community links.

• get_referral_dashboard_guideFree

  Explain how to embed and manage the referral dashboard experience.

• list_payram_docsFree

  Lists the available Payram doc ids. Optionally scope by a prefix such as "features".

• onboard_agent_setupFree

  Deprecated: use payram_setup_plan, which does this and lets you personalise it. Returns the default headless plan (testnet, USDC on Base).

• payram_doctorFree

  Read-only diagnosis of a PayRam server by its public URL — works from the hosted MCP without credentials: reachability, health, TLS certificate, installed vs latest version, worker states. Optionally validates an API key without creating anything. Returns ranked likely causes and exact fixes for the first failing stage. Run this first when anything PayRam-related fails.

• payram_ops_playbookFree

  Exact, copy-paste recipes for day-2 operations and troubleshooting that YOU run against the merchant's PayRam API with credentials that stay on your machine: which endpoint, which credential (public / dashboard JWT / project API key), a curl+jq command, how to read the answer, and what not to do. Start with "connect". Tasks: connect, health, version_check, workers, restart_worker, node_sync, site_url, payment_options, unswept_funds, payments_today, payment_lookup, stuck_payment, create_payment_link, payouts, webhooks, logs, daily_check. Omit task to list them.

• payram_runbookFree

  Step-by-step procedures for changes to a running PayRam, each step marked agent vs human with hard stops: set_site_url, change_domain, ssl_setup, ssl_renewal_fix, firewall_ports, upgrade, backup, restore, add_chain, smart_bridge, mainnet_cutover, operator_setup, rotate_api_key, reset_test_install, shopify_connector, woocommerce_plugin, secure_analytics_mcp, install_failed, custom_port_or_proxy, external_database, forgot_root_password. Omit task to list them.

• payram_setup_planFree

  Start here to install PayRam on a VPS. Returns an ordered, personalised plan — prepare server → install → claim admin + set public URL → wallets (incl. Smart Bridge review) → API key + first payment link → hardening → store/app integration — with who runs each step (agent shell vs human/dashboard), exact commands, what success looks like, and hard stops that need the human (cold wallet, mainnet spend, root-only settings). Ask the user first whether you can run commands on their server (access "ssh") or only chat with them (access "human_runs_commands": they run each command and paste the output back). Pass stage to resume mid-way; payram_doctor tells you the stage of a running server.

• payram_troubleshootFree

  Something is not working? Describe the problem in plain words and/or paste the error or log text. Returns the known PayRam problems it matches, what each usually means, how to confirm it and the fix, plus which tool to use next. Needs no credentials and no access to the server; what you paste is not stored. Call with nothing to list known problems. For a live check of a running server use payram_doctor.

• prepare_payram_testFree

  Confirm hosting, credentials, and environment variables before generating demo apps.

• scaffold_payram_appFree

  Generates a minimal full-stack app skeleton with Payram payments and payouts routes (and a simple UI) for a chosen language and framework.

• snippet_express_payment_routeFree

  Returns an Express router that posts to Payram's /api/v1/payment endpoint.

• snippet_fastapi_payment_routeFree

  Returns a FastAPI handler that calls Payram's create-payment HTTP API.

• snippet_go_payment_handlerFree

  Returns a Gin handler that proxies /api/pay/create to Payram's create-payment API.

• snippet_laravel_payment_routeFree

  Returns a Laravel controller that posts to Payram's /api/v1/payment endpoint.

• snippet_nextjs_payment_routeFree

  Returns a Next.js App Router API route that calls Payram's create-payment HTTP API.

• snippet_spring_payment_controllerFree

  Returns a Spring Boot controller that calls Payram's /api/v1/payment endpoint.

• suggest_file_structureFree

  Suggests a recommended backend folder/file structure for integrating Payram.

• test_payram_connectionFree

  Deprecated: use payram_doctor, which does this and more. Read-only check that a PayRam server is reachable and healthy and, if an API key is supplied, that the key is accepted. Never creates payments.

• –Code scanremote-only server, no package to scann/a
• Live reliabilityremote reachable in 765ms20/20
• Tool poisoning44 tool descriptions checked15/15
• Auth qualityopen endpoint exposes 1 write-action tools with no auth3/15
• Maintenancelast push 2 days ago15/15
• Maintainer identityregistry namespace matches repository owner; GitHub account older than a year; website matches verified namespace10/10

PayRam: common questions

Is PayRam MCP server safe?

Mostly: it is graded B (84/100). Read the PayRam safety report

How do I install PayRam?

It runs remotely at mcp.payram.com. Add it to Claude Code, Cursor, VS Code or Claude Desktop with the snippets above, or call it through the mcp.market gateway without installing anything.

Does PayRam need an API key?

Not as far as the registry entry and our scan can tell: no credentials are declared or required.

Is PayRam maintained?

The last commit was 13 days ago (2026-10-11). The latest release is v1.2.0.

Is PayRam up?

100% of our last 28 checks got an answer. We check remote servers about four times a day.

What can I use instead of PayRam?

Servers from other publishers that do the same job: Cluster MCP server, BankMCP™ MCP server and Yolfi Payments MCP server. Compare all PayRam alternatives.