payments-toolkit-mcp

A minimal Model Context Protocol (MCP) server, built as a hands-on learning project (see PLAN.md for the full step-by-step walkthrough).

It exposes payments-related validation utilities as MCP tools and one static resource — all local logic, no network calls, no API keys required.

Tools

• validate_card_number — Luhn checksum validation for a card number (digits only, 8-19 length).

• detect_card_type — identifies the card network (Visa, Mastercard, American Express, Discover, Diners Club, JCB) from the IIN/BIN prefix.

• validate_iban — format, country-specific length, and ISO 13616 mod-97 checksum validation for an IBAN.

Related MCP server: stripe-mcp-server

Resources

• card_networks (payments-toolkit://card-networks) — static JSON listing of supported card networks and their prefix ranges.

Prerequisites

• Node.js 18+ (project developed against v24)

• pnpm

Setup

pnpm install
pnpm run build

Usage

Run the server standalone (it waits on stdio, so this is mainly for sanity checking):

pnpm run start

Inspect and call the tools/resource directly via a local web UI, without wiring up a client:

pnpm run inspect

Connect to Claude Code

claude mcp add payments-toolkit-mcp -- node /path/to/payments-toolkit-mcp/dist/index.js
claude mcp list

Inside a Claude Code session, run /mcp to confirm the connection and see the discovered tools/resources.

Project structure

src/
  index.ts                   # composition root: creates the server, wires up transport
  lib/                       # pure validation/lookup logic (no MCP dependency)
    luhn.ts
    card-networks.ts
    iban.ts
    schemas.ts
  tools/                     # one file per registered MCP tool
    validate-card-number.ts
    detect-card-type.ts
    validate-iban.ts
  resources/                 # one file per registered MCP resource
    card-networks.ts

Notes

• Never console.log in this server — stdout is reserved for the JSON-RPC protocol stream over stdio. Use console.error for any debug output.