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PandeyAnukrati

Razorpay MCP Agent

⚡ Razorpay MCP Agent

Autonomous AI Merchant Operations, Live Tool Calling & Real-Time Payment Intelligence

React TypeScript Vite Tailwind CSS Model Context Protocol Razorpay Google Gemini Firebase GSAP

Razorpay MCP Agent is an enterprise-grade, autonomous payment operations and merchant support platform. Built on the open Model Context Protocol (MCP) specification, it seamlessly interfaces Google Gemini 2.5 Flash with Razorpay's Live REST API.

From autonomous payment investigations and failure code diagnosis, to instant order creation, dynamic UPI QR generation, scannable in-chat checkout, and real-time HMAC-verified webhook triage — Razorpay MCP Agent transforms payment workflows into conversational intelligence.

Explore Features • Architecture Diagrams • Flowcharts • MCP Tool Catalog • Getting Started • MCP Configuration


📑 Table of Contents


Related MCP server: CL Razorpay MCP Server

🌟 Overview

Operating modern payment gateways demands constant vigilance: tracking down failed transactions, diagnosing esoteric bank decline codes, responding to chargeback disputes before tight deadlines, refunding unhappy customers, and generating checkout links.

Razorpay MCP Agent solves this by establishing a direct bridge between conversational AI agents and Razorpay:

  1. Zero Guesswork / No Mock Data: Connects directly to official Razorpay endpoints (/v1/payments, /v1/orders, /v1/refunds, /v1/settlements, /v1/payment_links).

  2. Standardized Protocol: Leverages the open Model Context Protocol (MCP) specification so any MCP-compliant client (web UI, CLI, Claude Desktop, Cursor, Antigravity) can manage payments identically.

  3. Automated Cart Recovery: Detects payment failure webhooks in milliseconds, consults the AI engine to generate customer-friendly retry notifications, and auto-spins UPI QR codes and payment links.

  4. Interactive In-Chat Execution: Users can inspect orders, view real-time breakdown tables, click to open the official Razorpay Checkout modal without leaving the chat, or scan dynamically generated UPI QR codes on their mobile phones.


🏛️ System Architecture

The application is structured into four primary tiers:

┌─────────────────────────────────────────────────────────────────────────────┐
│                           PRESENTATION LAYER                                │
│   React 19 + TypeScript + Vite + Tailwind CSS v4 + Shadcn UI + GSAP        │
│   • Interactive Chat Interface      • Live MCP Data Explorer                │
│   • Webhook Automation Suite        • Dynamic UPI QR & Checkout Modal       │
└───────────────────────┬─────────────────────────────┬───────────────────────┘
                        │                             │
                        ▼                             ▼
┌─────────────────────────────────┐       ┌───────────────────────────────────┐
│     AI ORCHESTRATION LAYER      │       │     CLOUD PERSISTENCE LAYER       │
│  • Google Gemini 2.5 Flash      │       │  • Firebase Authentication        │
│  • Dynamic Function Calling     │       │  • Cloud Firestore Sessions       │
│  • Real-Time Tool Execution     │       │  • Real-Time Chat Synchronization │
└───────────────┬─────────────────┘       └───────────────────────────────────┘
                │
                ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│                     MODEL CONTEXT PROTOCOL (MCP) LAYER                      │
│   • Stdio Transport MCP Server (@modelcontextprotocol/sdk)                  │
│   • In-Browser MCP Client with Vite Reverse Proxy (/api/razorpay)           │
│   • 8+ Standardized Tools (Payments, Orders, Refunds, Links, Settlements)   │
└───────────────────────────────────────┬─────────────────────────────────────┘
                                        │
                                        ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│                          RAZORPAY INTEGRATION TIER                          │
│   • Live Razorpay REST API (v1)      • Webhook Ingestion Engine             │
│   • Standard Checkout.js Modal       • HMAC-SHA256 Signature Verification   │
└─────────────────────────────────────────────────────────────────────────────┘

📊 Workflow Flowcharts

1. High-Level System Architecture

flowchart TD
    subgraph Client["🖥️ Client Tier (Browser)"]
        UI["React 19 SPA<br/>(Dashboard / Chat / Explorer)"]
        Renderer["Markdown Renderer<br/>(UPI QR & Checkout Buttons)"]
        HookUI["Webhook Automation Suite<br/>(Event Simulator & Feed)"]
    end

    subgraph Orchestrator["🧠 AI Orchestration Tier"]
        Gemini["Google Gemini 2.5 Flash<br/>(Function Calling & Tool Dispatcher)"]
    end

    subgraph MCP["🔌 Model Context Protocol (MCP) Tier"]
        StdioMCP["MCP Stdio Server<br/>(mcp-server/index.mjs)"]
        ClientMCP["MCP Web Client<br/>(src/services/mcpClient.ts)"]
        ToolList["MCP Tools:<br/>• get_payment • list_payments<br/>• get_order • create_order<br/>• create_payment_link • get_refunds"]
    end

    subgraph RazorpayGateway["💳 Razorpay Core & Banking Tier"]
        RzpAPI["Razorpay REST API v1<br/>(api.razorpay.com)"]
        RzpCheckout["Razorpay Checkout.js<br/>(Native Modal)"]
        WebhookIn["Vite Webhook Middleware<br/>(/api/webhooks/razorpay)"]
    end

    subgraph Persistence["🔥 Persistence Tier"]
        FBAuth["Firebase Auth<br/>(Google & Email/Password)"]
        Firestore["Cloud Firestore<br/>(Sessions & Message History)"]
    end

    UI --> Gemini
    Gemini --> ToolList
    ToolList --> ClientMCP
    ToolList --> StdioMCP
    ClientMCP --> RzpAPI
    StdioMCP --> RzpAPI
    Renderer --> RzpCheckout
    RzpCheckout -.->|Triggers Event| WebhookIn
    WebhookIn -->|Stream Event| UI
    UI <--> Firestore
    UI <--> FBAuth

2. Conversational MCP Tool-Calling Loop

sequenceDiagram
    autonumber
    actor Merchant as 👨‍💼 Merchant / Support User
    participant UI as 💬 Chat Interface (React)
    participant LLM as 🤖 LLM (Google Gemini 2.5 Flash)
    participant MCP as 🔌 Razorpay MCP Client
    participant RZP as 💳 Razorpay Live API

    Merchant->>UI: "What's the status of order order_TXGPnb2izSqLLF?"
    UI->>LLM: Send message history + available MCP Tool Schemas
    Note over LLM: LLM detects intent & invokes get_order_details(order_id: "order_TXGPnb2izSqLLF")
    LLM-->>UI: Return Function Call Request (Tool Name + Args)
    UI->>MCP: Execute mcpGetOrder("order_TXGPnb2izSqLLF")
    MCP->>RZP: GET https://api.razorpay.com/v1/orders/order_TXGPnb2izSqLLF
    RZP-->>MCP: 200 OK (amount: 149900, status: "created", amount_due: 149900)
    MCP-->>UI: Formatted JSON Result { status: "created", due: "₹1,499.00" }
    UI->>LLM: Send Tool Execution Result back to LLM context
    Note over LLM: Synthesizes live data into actionable markdown with payment recommendations
    LLM-->>UI: Markdown Response with Status Table & Action Options
    UI-->>Merchant: Displays clean status card with "Generate Payment Link" prompt

3. Real-Time Webhook Ingestion & AI Triage Pipeline

flowchart TD
    Start(["⚡ Webhook Event Occurs<br/>(e.g., payment.failed, order.paid)"]) --> Ingest["Incoming POST<br/>/api/webhooks/razorpay"]
    
    Ingest --> SigCheck{"Verify Signature?<br/>x-razorpay-signature"}
    SigCheck -- "HMAC-SHA256 Mismatch" --> Reject["❌ 400 Bad Request<br/>Log Security Anomaly"]
    SigCheck -- "Verified / Dev Mode" --> Buffer["Store in Rolling Memory Buffer<br/>(Last 50 Events)"]

    Buffer --> EventType{"Event Type"}

    EventType -- "order.paid / payment.captured" --> PaidFlow["🟢 Paid Event Detected"]
    PaidFlow --> TriagePaid["AI Triage: Generate Order Fulfillment Advice<br/>& Tax Invoice Recommendation"]
    TriagePaid --> PushPaid["Broadcast Celebration Card into Active Chat<br/>Status: CAPTURED | Amount Paid"]

    EventType -- "payment.failed" --> FailFlow["🔴 Failure Event Detected"]
    FailFlow --> TriageFail["AI Triage: Extract error_code & error_description<br/>(e.g., BAD_REQUEST_ERROR / Bank Decline)"]
    TriageFail --> GenRecovery["Formulate Recovery Message & Actionable Advisory<br/>'Customer entered wrong OTP. Send UPI retry link.'"]
    GenRecovery --> PushFail["Broadcast Emergency Alert Card into Active Chat<br/>With Instant 'Generate Recovery Link' CTA"]

    EventType -- "dispute.created" --> DispFlow["⚠️ Chargeback Dispute Filed"]
    DispFlow --> TriageDisp["AI Triage: Determine Evidence Deadline<br/>& List Required Proof Documents"]
    TriageDisp --> PushDisp["Broadcast Urgent Dispute Card to Merchant"]

4. Payment Recovery & Dynamic UPI QR Code Generation

flowchart LR
    A["Merchant / User clicks<br/>'Send Recovery Link'<br/>or asks in Chat"] --> B["LLM invokes MCP Tool<br/>create_payment_link"]
    
    B --> C["Fetch Order Details<br/>to ensure exact amount_due"]
    
    C --> D["POST /v1/payment_links<br/>• Amount in Paise<br/>• Customer Name & Contact<br/>• Auto-notification Flags"]
    
    D --> E["Razorpay returns:<br/>• Payment Link ID<br/>• Hosted URL (rzp.io/l/...)"]
    
    E --> F["Dynamic UPI QR Generator<br/>Constructs scannable QR payload"]
    
    F --> G["Render Interactive Card in Chat:<br/>1. 📱 Scannable UPI QR (GPay, PhonePe, Paytm)<br/>2. 💳 One-Click 'Pay on This Device' Button<br/>3. 🔗 Shareable Payment Link"]
    
    G --> H{"Customer Pays via<br/>UPI or Card?"}
    H -->|Payment Captured| I["⚡ Live Webhook Received<br/>Chat updates to PAID instantly"]

5. Multimodal Invoice & Evidence Ingestion Engine

flowchart TD
    Upload["📁 User uploads File into Chat<br/>(.json, .txt, .pdf, .csv, .log, image)"] --> Parse{"File Type Detection"}
    
    Parse -- "JSON / TXT / CSV / Log" --> TextRead["Extract Full Text Payload<br/>(Up to 25,000 characters)"]
    Parse -- "Image / Screenshot" --> ImgRead["Generate Object URL Preview<br/>+ Extract Visual Metadata"]
    Parse -- "PDF Document" --> DocRead["Parse Document Content & Attach Context"]

    TextRead --> StructMatch{"Contains Invoice Data?"}
    ImgRead --> StructMatch
    DocRead --> StructMatch

    StructMatch -- "Yes (e.g. INV-2026-09-002)" --> ExtractData["Identify Key Fields:<br/>• Order ID (order_...)<br/>• Amount (₹1,499.00)<br/>• GSTIN & Line Items<br/>• Customer Email & Phone"]

    ExtractData --> MCPVerify["Automatic MCP Verification:<br/>Execute get_order(order_id)"]
    
    MCPVerify --> CrossCheck{"Compare Extracted Data vs.<br/>Live Razorpay Records"}
    
    CrossCheck -- "Discrepancy Found" --> WarnUser["⚠️ Alert: Invoice amount does not match<br/>live order due amount!"]
    CrossCheck -- "Exact Match" --> Confirm["✅ Verified: Order exists in Razorpay<br/>Display Breakdown & Payment State"]
    
    Confirm --> RenderCard["Interactive Chat Card:<br/>• Tax Invoice Details<br/>• Payment Status<br/>• One-Click Action Trigger"]

6. Dual-Transport MCP Server Architecture

flowchart TD
    subgraph CoreEngine["Razorpay Model Context Protocol Core"]
        Tools["MCP Tools Implementation<br/>• list_payments • get_payment<br/>• list_orders • get_order<br/>• create_order • create_payment_link<br/>• list_refunds • get_refund<br/>• create_refund • list_settlements"]
    end

    subgraph Transport1["Transport 1: Local Stdio (CLI / IDEs)"]
        Stdio["StdioServerTransport<br/>(mcp-server/index.mjs)"]
        StdioClients["Compatible Clients:<br/>• Claude Desktop<br/>• Cursor AI<br/>• Antigravity IDE<br/>• Any MCP Stdio Client"]
    end

    subgraph Transport2["Transport 2: In-Browser Web SDK (Vite SPA)"]
        WebClient["Client MCP Service<br/>(src/services/mcpClient.ts)"]
        ViteProxy["Vite HTTP Proxy<br/>/api/razorpay ➔ api.razorpay.com"]
        BrowserUI["Web Application UI<br/>(Interactive Dashboard)"]
    end

    subgraph RazorpayCloud["Razorpay API v1"]
        APIGateway["https://api.razorpay.com/v1"]
    end

    StdioClients <== "JSON-RPC 2.0 via Stdin/Stdout" ==> Stdio
    Stdio <==> Tools
    Tools <== "Direct HTTPS (Basic Auth)" ==> APIGateway

    BrowserUI <==> WebClient
    WebClient <== "Basic Auth / Fetch" ==> ViteProxy
    ViteProxy <== "Reverse Proxied HTTPS" ==> APIGateway

🚀 Key Features

1. Autonomous AI Engine (Google Gemini 2.5 Flash)

  • Google Gemini 2.5 Flash: High-precision multimodal model capable of analyzing structured JSON, invoice images, and payment logs with zero latency.

  • Native MCP Tool Declarations: Direct function calling integration with Razorpay REST endpoints.

  • Autonomous Reasoning & Triage: Analyzes webhook failures, auto-generates recovery payment links and dynamic UPI QR codes.

2. Live Model Context Protocol (MCP) Protocol

  • Official Specification Compliant: Implements @modelcontextprotocol/sdk v1.30.

  • Stdio Server & In-Browser Client: Offers dual execution paths for both standalone desktop AI agents and the web dashboard.

  • 100% Real Gateway Communication: No simulated or mock payment records; queries live Razorpay Test or Production keys directly.

3. Real-Time Webhook Automation & Instant Triage

  • Built-in HTTP Webhook Ingestion: Vite middleware listens on /api/webhooks/razorpay to capture incoming events.

  • HMAC-SHA256 Cryptographic Verification: Validates x-razorpay-signature against your webhook secret to prevent tampering.

  • Instant Chat Push Notification: Real-time poller streams payment confirmations, failure alerts, and dispute warnings into the active chat session.

  • AI-Powered Triage Engine: Automatically analyzes failure reasons (BAD_REQUEST_ERROR, OTP timeouts, insufficient funds) and prepares customer-ready recovery messages.

  • Live Simulator: Built-in dashboard suite to simulate payment.failed, order.paid, dispute.created, and refund.processed events with one click.

4. In-Chat Razorpay Checkout & Dynamic UPI QRs

  • Zero-Redirect Modal: Standard Razorpay Checkout.js opens natively directly on top of the dashboard.

  • Dynamic Scannable UPI QR: Automatically embeds scannable UPI QR codes in AI responses using standard QR APIs — compatible with Google Pay, PhonePe, Paytm, and BHIM.

  • Interactive Markdown Renderer: Renders custom payment action buttons inside AI responses that invoke native payment dialogs.

5. Multimodal Evidence & Document Analysis

  • Drag-and-Drop Ingestion: Accepts invoices, receipts, error logs, and transaction screenshots (.json, .txt, .pdf, .png, .jpg, .csv).

  • Context Injection: Extracts up to 25,000 characters of invoice data and injects it into the LLM conversation stream.

  • Automatic Reconciliation: Matches invoice order IDs and customer amounts against live Razorpay records to detect unpaid balances or overcharges.

6. Live MCP Data Explorer

  • Visual Gateway Inspector: View live payments, orders, and refunds in real time.

  • Interactive Quick-Actions: One-click copy for Payment and Order IDs, or quick-query ("Ask AI about this payment").

  • Key Manager Modal: Safely configure or clear Razorpay Key ID and Secret with instant validation.

7. Firebase Cloud Persistence

  • Firebase Authentication: Secure authentication via Google Sign-In or Email/Password.

  • Real-Time Cloud Firestore: All chat sessions, message histories, uploaded evidence, and notes are synced across devices in real time.

  • Seamless LocalStorage Migration: Automatically migrates legacy browser sessions into Firestore upon authentication.


🛠️ MCP Tool Catalog

The Razorpay MCP implementation exposes the following production tools:

Tool Name

Scope

Description

Key Parameters

list_payments

Payments

Fetch recent payment transactions directly from Razorpay.

status (all, captured, failed, refunded), limit

get_payment

Payments

Retrieve complete details for a specific payment ID.

payment_id (pay_...)

list_orders

Orders

List merchant orders including amounts paid, due, and receipt numbers.

limit

get_order

Orders

Fetch complete status and payment attempts for a specific order.

order_id (order_...)

create_order

Orders

Create a new live unpaid order on Razorpay.

amount (in INR), receipt, description

create_payment_link

Links / UPI

Generate a payment link and dynamic scannable UPI QR code.

order_id, amount, description, customer_name

list_refunds

Refunds

List refunds with payment references and processing speed.

payment_id, limit

get_refund

Refunds

Fetch details of a specific refund ID.

refund_id (rfnd_...)

create_refund

Refunds

Issue a full or partial refund for a captured payment.

payment_id, amount (paise), reason

list_settlements

Settlements

Retrieve merchant bank payout settlements and UTR numbers.

limit

get_disputes

Disputes

Check for open customer chargebacks or disputes.

None


📁 Project Directory Structure

razorpay-agent/
├── .agents/
│   ├── mcp_config.json                 # Antigravity IDE MCP Server Configuration
│   └── plugins/razorpay/
│       ├── mcp_config.json             # Namespaced plugin configuration
│       └── plugin.json                 # Razorpay plugin manifest
├── mcp-server/
│   └── index.mjs                       # Standalone Node.js MCP Server (Stdio Transport)
├── public/
│   ├── razorpay.svg                    # Razorpay brand assets
│   └── Untitled design (14).svg
├── scripts/
│   └── create_test_orders.mjs          # CLI script to generate live unpaid test orders
├── src/
│   ├── components/
│   │   ├── ui/                         # Shadcn UI component library (Buttons, Dialogs, etc.)
│   │   ├── MarkdownRenderer.tsx        # Markdown renderer with live UPI QR & Payment buttons
│   │   ├── theme-provider.tsx          # Dark / Light theme provider
│   │   ├── WebhookAutomationModal.tsx  # Webhook automation drawer modal
│   │   └── WebhookAutomationPage.tsx   # Dedicated full-page Webhook Ingestion & Triage Suite
│   ├── lib/
│   │   └── firebase.ts                 # Firebase app, auth, and firestore initialization
│   ├── pages/
│   │   ├── Auth.tsx                    # Animated split-screen sign-in / sign-up (GSAP)
│   │   ├── Dashboard.tsx               # Main application dashboard, chat, and MCP explorer
│   │   └── Landing.tsx                 # Clean product landing page with quick-start action
│   ├── services/
│   │   ├── gemini.ts                   # Google Gemini Flash client with function declarations
│   │   ├── firebaseChat.ts             # Firestore session sync & migration utilities
│   │   ├── mcpClient.ts                # In-browser MCP client calling Razorpay REST API
│   │   ├── razorpayCheckout.ts         # Razorpay Checkout.js wrapper with webhook triggers
│   │   └── webhookAutomation.ts        # Webhook ingestion, signature verification & AI triage
│   ├── App.tsx                         # Client-side routing configuration
│   ├── index.css                       # Tailwind CSS v4 design tokens & base typography
│   └── main.tsx                        # Application mount entrypoint
├── .env.example                        # Template for environment credentials
├── index.html                          # HTML template containing Razorpay checkout script
├── mcp_config.json                     # Root MCP configuration for desktop clients
├── package.json                        # NPM scripts and project dependencies
├── tsconfig.json                       # TypeScript compiler configuration
└── vite.config.ts                      # Vite configuration with webhook receiver & reverse proxies

🏁 Getting Started

Prerequisites

  • Node.js: v18.0.0 or higher

  • npm or pnpm

  • A Razorpay Account (Test Mode credentials work out of the box)

  • (Optional) Google Gemini API Key for LLM orchestration

Installation

  1. Clone the repository:

    git clone https://github.com/PandeyAnukrati/razorpay-mcp-agent.git
    cd razorpay-mcp-agent
  2. Install dependencies:

    npm install

Environment Configuration

Create a .env file in the project root:

cp .env.example .env

Populate the required credentials:

# Razorpay Credentials (from https://dashboard.razorpay.com/app/keys)
RAZORPAY_KEY_ID=rzp_test_YOUR_KEY_ID
RAZORPAY_KEY_SECRET=YOUR_KEY_SECRET

# Vite Client Credentials
VITE_RAZORPAY_KEY_ID=rzp_test_YOUR_KEY_ID
VITE_RAZORPAY_KEY_SECRET=YOUR_KEY_SECRET

# Webhook Secret (Matches the secret configured in Razorpay Webhooks dashboard)
VITE_RAZORPAY_WEBHOOK_SECRET=rzp_whsec_auto_998877

# AI Orchestration Keys
VITE_GEMINI_API_KEY=AIzaSyYOUR_KEY

Note: You can also dynamically configure or override your Razorpay keys directly from the web interface using the MCP API Keys button in the dashboard top bar.

Running the Application

Start the local development server:

npm run dev

The application will start on http://localhost:5173. Open this URL in your browser to access the dashboard.


💻 Running the MCP Server (Stdio Mode)

The project includes an official standalone Model Context Protocol server that communicates via Standard I/O (stdio). You can connect it to external desktop AI agents like Claude Desktop, Cursor, or Antigravity IDE.

Test the MCP Server directly:

npm run mcp:server

Claude Desktop Configuration

Add the following to your claude_desktop_config.json (located at %APPDATA%\Claude\claude_desktop_config.json on Windows or ~/Library/Application Support/Claude/claude_desktop_config.json on macOS):

{
  "mcpServers": {
    "razorpay": {
      "command": "node",
      "args": ["c:/Users/Shreyansh/Desktop/razorpay-agent/mcp-server/index.mjs"],
      "env": {
        "RAZORPAY_KEY_ID": "rzp_test_YOUR_KEY_ID",
        "RAZORPAY_KEY_SECRET": "YOUR_KEY_SECRET"
      }
    }
  }
}

Cursor / Antigravity IDE Configuration

The repository includes an active .agents/mcp_config.json configured as follows:

{
  "mcpServers": {
    "razorpay": {
      "command": "node",
      "args": ["./mcp-server/index.mjs"],
      "env": {
        "NODE_ENV": "development"
      }
    }
  }
}

Once loaded, your AI assistant can directly call list_payments, get_payment, create_order, and create_payment_link autonomously.


🧪 Testing & Automation Scripts

1. Generating Live Unpaid Test Orders

To test payment link creation, UPI QR generation, and invoice reconciliation with real data, run the bundled test order creation script:

node scripts/create_test_orders.mjs

This will create 3 live test orders directly in your Razorpay account with distinct customer names and amounts (₹1,299.00, ₹2,499.00, ₹4,999.00).

2. Testing Webhook Automations

  1. Open the dashboard and navigate to the Webhook Engine tab.

  2. Click Simulate Failed Payment to trigger an instantaneous failure payload.

  3. Observe the AI triage engine analyze the error code and push a payment recovery notification into your active chat session.

  4. Click Simulate Order Paid to verify signature validation and watch the instant order confirmation card appear in chat.


🔒 Security & Compliance

  • HMAC SHA-256 Webhook Verification: Prevents unauthorized replay attacks by verifying x-razorpay-signature against your shared secret.

  • Client-Side Secret Shielding: Vite proxy routes sensitive API calls (/api/razorpay) to preserve key safety without exposing credentials in client-side code.

  • Zero Mock Fallback Mode: Prevents misleading operations by enforcing hard validation on Razorpay API keys before processing financial operations.

  • Sandboxed Execution: Supports Razorpay Test Mode keys (rzp_test_...) for risk-free simulation before live deployment.


👩‍💻 Author & Credits


Made with ❤️ for merchants, support engineers, and AI developers.

⭐ Star this repository if you find it helpful!

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