pay-mcp
Provides integration with Coinbase Onramp for generating funding links, enabling users to deposit USDC into their Pay wallet through Coinbase's payment infrastructure.
@pay-skill/mcp
MCP server for Pay -- the complete x402 payment stack for AI agents. USDC on Base.
Gives any MCP-compatible client (Claude Desktop, Cursor, VS Code, custom frameworks) the full power of Pay: direct payments, tabs, x402 paywalls, service discovery, and wallet management. No CLI binary needed.
Setup
Claude Desktop
Add to claude_desktop_config.json:
{
"mcpServers": {
"pay": {
"command": "npx",
"args": ["-y", "@pay-skill/mcp"]
}
}
}VS Code / Cursor
Add to .vscode/mcp.json:
{
"servers": {
"pay": {
"command": "npx",
"args": ["-y", "@pay-skill/mcp"]
}
}
}Claude Code
claude mcp add pay -- npx -y @pay-skill/mcpThat's it. On first run, the server generates a wallet and stores it in the OS keychain (Windows Hello, macOS Keychain, Linux Secret Service). Subsequent runs load it automatically.
Configuration
Env Var | Required | Default | Description |
| No | — | Optional override. Raw hex key or |
| No |
|
|
Key Resolution (checked in order)
OS keychain (default) — Loads from the OS credential store via
keytar. On first run, a new keypair is generated and stored automatically.Encrypted keystore — If
~/.pay/keys/default.encexists,PAYSKILL_SIGNER_KEYis used as the decryption password.Raw hex key — If
PAYSKILL_SIGNER_KEYis a 64-char hex string, it's used directly. For dev/testing or importing an existing wallet.Auto-generate — If none of the above, generates a new keypair and stores it in the OS keychain.
Diagnostic Check
Verify everything is configured correctly:
npx @pay-skill/mcp --checkOutput:
pay-mcp diagnostic check
network: Base (chain 8453)
api: https://pay-skill.com/api/v1
wallet: 0x1234...
key: keychain
server: OK (router: 0xABCD...)
auth: OK (balance: $50.00)
All checks passed. MCP server is ready.Tools (15)
Payments
Tool | Description |
| Direct USDC payment ($1 min). Confirmation thresholds: <$10 auto, $10-100 plan, >$100 explicit. |
| HTTP request with x402 auto-payment. Handles 402 detection, direct/tab settlement, price skepticism. |
Tabs (metered accounts)
Tool | Description |
| Open pre-funded tab ($5 min, $50 recommended). Provider charges per-call. |
| Close tab. Returns distribution breakdown (provider 99%, fee 1%, agent remainder). |
| Charge against open tab (provider only). |
| Add funds to open tab (agent only). |
| List tabs with idle/low-balance flags. |
Wallet
Tool | Description |
| Balance, locked/available funds, actionable suggestions. |
| Generate 1-hour funding link (Coinbase Onramp or direct USDC). |
| Generate 1-hour withdrawal link. |
| Mint testnet USDC (Base Sepolia only). |
Discovery & Webhooks
Tool | Description |
| Search paid API services by keyword/category. |
| Register webhook for payment events (HMAC-signed). |
| List registered webhooks. |
| Delete a webhook. |
Resources (5)
URI | Description |
| Balance, tabs, locked/available |
| All open tabs |
| Single tab detail |
| Wallet address |
| Network config + contract addresses |
Prompts (3)
Prompt | Description |
| Guided: discover service, evaluate pricing, make request |
| Review tabs, flag idle, suggest close/topup |
| Generate fund link, explain deposit process |
Development
git clone https://github.com/pay-skill/pay-mcp.git
cd pay-mcp
npm install
npm run build
npm test # unit tests (mocked)
npm run test:acceptance # testnet (requires PAYSKILL_SIGNER_KEY)License
MIT
Part of Pay
Pay is the complete x402 payment stack -- gateway, facilitator, SDKs, CLI, and MCP server -- that lets AI agents pay for APIs with USDC on Base.
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