Razorpay MCP Agent
Provides tools for interacting with Razorpay's Live REST API, enabling autonomous payment investigations, failure code diagnosis, instant order creation, dynamic UPI QR generation, in-chat checkout, refunds, payment links, settlements, and real-time HMAC-verified webhook triage.
Click on "Deploy Server".
Wait a few minutes for the server to deploy. Once ready, it will show a "Started" state.
In the chat, type
@followed by the MCP server name and your instructions, e.g., "@Razorpay MCP AgentCreate an order for ₹500 and generate a UPI QR code."
That's it! The server will respond to your query, and you can continue using it as needed.
Here is a step-by-step guide with screenshots.
⚡ Razorpay MCP Agent
Autonomous AI Merchant Operations, Live Tool Calling & Real-Time Payment Intelligence
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:
Zero Guesswork / No Mock Data: Connects directly to official Razorpay endpoints (
/v1/payments,/v1/orders,/v1/refunds,/v1/settlements,/v1/payment_links).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.
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.
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 <--> FBAuth2. 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" prompt3. 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/sdkv1.30.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/razorpayto capture incoming events.HMAC-SHA256 Cryptographic Verification: Validates
x-razorpay-signatureagainst 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, andrefund.processedevents 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 |
| Payments | Fetch recent payment transactions directly from Razorpay. |
|
| Payments | Retrieve complete details for a specific payment ID. |
|
| Orders | List merchant orders including amounts paid, due, and receipt numbers. |
|
| Orders | Fetch complete status and payment attempts for a specific order. |
|
| Orders | Create a new live unpaid order on Razorpay. |
|
| Links / UPI | Generate a payment link and dynamic scannable UPI QR code. |
|
| Refunds | List refunds with payment references and processing speed. |
|
| Refunds | Fetch details of a specific refund ID. |
|
| Refunds | Issue a full or partial refund for a captured payment. |
|
| Settlements | Retrieve merchant bank payout settlements and UTR numbers. |
|
| 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
Clone the repository:
git clone https://github.com/PandeyAnukrati/razorpay-mcp-agent.git cd razorpay-mcp-agentInstall dependencies:
npm install
Environment Configuration
Create a .env file in the project root:
cp .env.example .envPopulate 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_KEYNote: 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 devThe 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:serverClaude 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.mjsThis 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
Open the dashboard and navigate to the Webhook Engine tab.
Click Simulate Failed Payment to trigger an instantaneous failure payload.
Observe the AI triage engine analyze the error code and push a payment recovery notification into your active chat session.
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-signatureagainst 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
Author & Developer: Anukrati Pandey
Repository: PandeyAnukrati/razorpay-mcp-agent
Built With: Razorpay API, Model Context Protocol, Google Gemini, Vite, Tailwind CSS
Made with ❤️ for merchants, support engineers, and AI developers.
⭐ Star this repository if you find it helpful!
This server cannot be deployed
Maintenance
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