merchant-mcp

Universal Merchant MCP Server — integrate once, speak every AI agent protocol.

The Problem

Every AI agent protocol (MCP, OpenAI tool-calling, Visa TAP, UCP) needs its own integration. A merchant who wants their catalog and checkout accessible to AI agents today must build and maintain separate connectors for each one. When a new protocol ships, the work starts over.

merchant-mcp solves this by sitting between agents and merchants. Merchants implement one interface. New protocols are added as adapters on the server side — the merchant does nothing.

Related MCP server: Armor Crypto MCP

How It Works

AI Agent (Claude, GPT, etc.)
        │
        │  MCP / OpenAI SDK / Visa TAP / ...
        ▼
┌──────────────────────────────┐
│         merchant-mcp         │
│   ┌──────────────────────┐   │
│   │   MCP Tool Layer     │   │
│   │  get_catalog         │   │
│   │  create_checkout     │   │
│   │  get_tx_status       │   │
│   └──────────┬───────────┘   │
│              │ MerchantAdapter│
└──────────────┼───────────────┘
               │
       ┌───────┼───────┐
       ▼       ▼       ▼
     Mock   Autopay  Stripe
   (built-in)        (coming)

The MerchantAdapter interface is the only contract a backend needs to satisfy. See docs/adapter-spec.md.

Quickstart

git clone https://github.com/autopaylab/merchant-mcp
cd merchant-mcp
npm install
npm run dev

Verify it's running:

curl http://localhost:3000/health
# {"status":"ok","server":"merchant-mcp","version":"0.1.0","adapter":"mock"}

Call a tool directly:

curl -X POST http://localhost:3000/mcp \
  -H "Content-Type: application/json" \
  -d '{
    "jsonrpc": "2.0",
    "id": 1,
    "method": "tools/call",
    "params": {
      "name": "get_catalog",
      "arguments": { "merchant_id": "demoshop", "limit": 3 }
    }
  }'

Install Claude Plugin

The fastest way to connect Claude.ai to merchant-mcp.

1. Download merchant-mcp.plugin

2. Open Claude → Settings → Connectors → Upload plugin

3. Start a new conversation — three tools are now available

Compatible with Claude.ai (Connectors) and Claude Cowork desktop app.

OpenAI Agents SDK

merchant-mcp works with the OpenAI Agents SDK via its built-in MCP support. The SDK fetches the tool list automatically and translates it to OpenAI function-calling format.

Python:

from agents import Agent
from agents.mcp import MCPServerStreamableHttp

server = MCPServerStreamableHttp(url="https://mcp.autopaylab.com/mcp")
agent = Agent(name="shop-agent", mcp_servers=[server])

TypeScript / JS:

import { Agent, MCPServerStreamableHttp } from "@openai/agents";

const server = new MCPServerStreamableHttp({ url: "https://mcp.autopaylab.com/mcp" });
const agent = new Agent({ name: "shop-agent", mcpServers: [server] });

Docs: Python SDK · JS SDK · MCP in Responses API

Tools Reference

Full input/output schemas: see source files in src/tools/.

Building an Adapter

See docs/adapter-spec.md for:

• The full MerchantAdapter TypeScript interface with JSDoc

• All input/output types

• Error contract (what to throw and when)

• A minimal 30-line skeleton you can copy and fill in

Roadmap

• OpenAI SDK function-calling adapter (expose tools via /openai/tools)

• Per-request authentication (Authorization header → buyer context)

• Multi-merchant routing (single server, many merchant_ids, each pointing to a different adapter)

• Visa TAP adapter

• Stripe adapter

License

MIT © Autopay Lab