Ghana Payments (Paystack — MTN MoMo)

Official6 tools

by junter1989k-ai · JavaScript

Ghana payments for AI agents — MTN MoMo via Paystack. Never holds funds.

Ghana payments MCP for AI agents that accept payments in Ghana. It supports MTN MoMo via Paystack and is designed to never hold funds. Tooling is exposed through an HTTP MCP endpoint, with credentials sent via HTTP headers per request rather than stored.

🛠️ Key Features

Ghana payments for AI agents
MTN MoMo via Paystack
Never holds funds
HTTP-based MCP server (https://mcp-gh.wishpool.app/mcp)
Credentials provided as HTTP headers on each request (not stored)

🚀 Use Cases

Enable AI agents to collect Ghana payments
Route payments through MTN MoMo using Paystack

⚡ Developer Benefits

Simple MCP client configuration (no local installation)
Integrates with MCP-capable agents (e.g., Claude Desktop, Cursor, Windsurf)
Stateless credential handling per request via HTTP headers

⚠️ Limitations

Only covers Ghana payments (MTN MoMo via Paystack)
Requires an MCP-capable client configured to use the HTTP endpoint

Topics

ai-agentclaudeghanamcpmcp-serverpaymentspaystackwishpool

Captured live from the server via tools/list.

create_payment_link

Create a payment link in GHS for Ghana via Paystack. Buyer pays with MTN Mobile Money, cards, and other methods via Paystack. Returns a hosted checkout URL the buyer opens to pay — payment completes automatically, no confirm step. Bring your own credentials via HTTP header (x-paystack-secret-key; free test credentials from dashboard.paystack.com never move real money). Money always flows buyer→Paystack→merchant; this service never touches funds.

Parameters5

amount_ghs	number	required	Amount in GHS (decimals allowed), e.g. 10. Minimum 1.
description	string	required	What this payment is for (shown to the buyer, ≤200 chars)
customer_email	string	required	Buyer email (required by Paystack; the receipt goes there).
reference_id	string	optional	Your unique order reference (≤40 chars). Auto-generated if omitted.
success_url	string	optional	Optional https URL to send the buyer to after payment.

Raw schema

{
  "type": "object",
  "properties": {
    "amount_ghs": {
      "type": "number",
      "minimum": 1,
      "maximum": 10000000,
      "description": "Amount in GHS (decimals allowed), e.g. 10. Minimum 1."
    },
    "description": {
      "type": "string",
      "description": "What this payment is for (shown to the buyer, ≤200 chars)"
    },
    "customer_email": {
      "type": "string",
      "description": "Buyer email (required by Paystack; the receipt goes there)."
    },
    "reference_id": {
      "type": "string",
      "description": "Your unique order reference (≤40 chars). Auto-generated if omitted."
    },
    "success_url": {
      "type": "string",
      "description": "Optional https URL to send the buyer to after payment."
    }
  },
  "required": [
    "amount_ghs",
    "description",
    "customer_email"
  ]
}

query_payment_status

Check whether a Ghana payment (created by create_payment_link) has been paid. Queries Paystack directly — pull-based, no webhook needed. paid=true when status is PAID.

Parameters1

reference

string

required

The reference returned by create_payment_link

Raw schema

{
  "type": "object",
  "properties": {
    "reference": {
      "type": "string",
      "description": "The reference returned by create_payment_link"
    }
  },
  "required": [
    "reference"
  ]
}

refund_payment

Refund a paid payment (created by create_payment_link). Full refund by default; pass amount for a partial refund where supported. Refunds respect the same owner policy guardrails (x-agentpay-max-amount) as payments — the amount is checked before anything is sent to the gateway.

Parameters2

reference	string	required	The reference of the paid payment (same id used by query_payment_status)
amount	number	optional	Optional partial-refund amount in the local currency major unit. Omit for a full refund.

Raw schema

{
  "type": "object",
  "properties": {
    "reference": {
      "type": "string",
      "description": "The reference of the paid payment (same id used by query_payment_status)"
    },
    "amount": {
      "type": "number",
      "description": "Optional partial-refund amount in the local currency major unit. Omit for a full refund."
    }
  },
  "required": [
    "reference"
  ]
}

create_subscription_link

Create a recurring subscription checkout link (GHS, monthly/yearly/weekly billing) via Paystack. The buyer opens the URL, authorizes their card once, and is then charged automatically every period until canceled. Amount is per billing period. Respects the same owner policy guardrails as payments (the per-period amount is checked before anything is created).

Parameters5

amount_ghs	number	required	Amount charged per billing period (GHS major unit)
interval	string	optional	Billing period. Default "month".
description	string	required	What the subscription is for (also used as the Paystack plan name, <=80 chars)
customer_email	string	required	Buyer email (required by Paystack; receipts and renewal notices go there).
success_url	string	optional	Optional https URL to send the buyer to after subscribing.

Raw schema

{
  "type": "object",
  "properties": {
    "amount_ghs": {
      "type": "number",
      "description": "Amount charged per billing period (GHS major unit)"
    },
    "interval": {
      "type": "string",
      "enum": [
        "month",
        "year",
        "week",
        "day"
      ],
      "description": "Billing period. Default \"month\"."
    },
    "description": {
      "type": "string",
      "description": "What the subscription is for (also used as the Paystack plan name, <=80 chars)"
    },
    "customer_email": {
      "type": "string",
      "description": "Buyer email (required by Paystack; receipts and renewal notices go there)."
    },
    "success_url": {
      "type": "string",
      "description": "Optional https URL to send the buyer to after subscribing."
    }
  },
  "required": [
    "amount_ghs",
    "description",
    "customer_email"
  ]
}

query_subscription

Check a subscription created by create_subscription_link, using the reference returned at creation. active=true when the subscription is ACTIVE; NOT_SUBSCRIBED_YET means the buyer has not completed checkout. The result includes subscription_code and email_token — keep them to cancel later.

Parameters1

reference

string

required

The reference returned by create_subscription_link

Raw schema

{
  "type": "object",
  "properties": {
    "reference": {
      "type": "string",
      "description": "The reference returned by create_subscription_link"
    }
  },
  "required": [
    "reference"
  ]
}

cancel_subscription

Cancel (disable) a subscription so it will not renew. Pass the subscription_code (SUB_...) from query_subscription; email_token is resolved automatically if omitted.

Parameters2

subscription_code	string	required	The subscription_code (SUB_...) returned by query_subscription
email_token	string	optional	Optional email_token from query_subscription; auto-resolved when omitted.

Raw schema

{
  "type": "object",
  "properties": {
    "subscription_code": {
      "type": "string",
      "description": "The subscription_code (SUB_...) returned by query_subscription"
    },
    "email_token": {
      "type": "string",
      "description": "Optional email_token from query_subscription; auto-resolved when omitted."
    }
  },
  "required": [
    "subscription_code"
  ]
}

README.md2 KBView on GitHub

Ghana Payments MCP — let AI agents accept payments in Ghana

Use it in 60 seconds

Paste this into your MCP client config (Claude Desktop, Cursor, Windsurf, or any MCP-capable agent):

json

{
  "mcpServers": {
    "ghana-payments": {
      "type": "http",
      "url": "https://mcp-gh.wishpool.app/mcp"
    }
  }
}

Nothing to install. Credentials, when you need them, travel as HTTP headers on each request and are never stored — see the threat model.

Or run it yourself

Would you rather not send production credentials to a server you do not control? Deploy this identical code to your own account and point your agent at your own URL:

bash

git clone https://github.com/junter1989k-ai/ghana-payments-mcp && cd ghana-payments-mcp && npx vercel --prod

MIT-licensed. Self-hosting removes us from the picture entirely, at no cost and with no loss of function.

Live · MCP endpoint: https://mcp-gh.wishpool.app/mcp · Listed on the official MCP Registry as app.wishpool/ghana-payments-mcp · Part of a 30-country family — hub: mcp.wishpool.app

A remote MCP server that lets any AI agent (Claude, ChatGPT, Cursor…) accept payments in Ghana: MTN Mobile Money, cards, and other methods via Paystack — via Paystack's hosted checkout.

⚖️ Stateless translation layer: funds always flow buyer → Paystack → merchant directly. Never holds funds or stores credentials — no database at all.

Quick start

MCP endpoint: https://mcp-gh.wishpool.app/mcp (Streamable HTTP, stateless JSON-RPC)

Header	Value
`x-paystack-secret-key`	your Paystack secret key (sk_test_ = test mode from dashboard.paystack.com, sk_live_ = production)

Tools

Tool	What it does
`create_payment_link`	Create a GHS hosted-checkout link.
`query_payment_status`	Pull-based status check; `paid=true` when PAID.

Develop

bash

node test/serve.js      # local server (http://localhost:3235/mcp)
node test/e2e.js        # protocol + validation suite (probes real Paystack auth errors)

Zero runtime dependencies; Node ≥ 18. MIT license.

Install

Tools (6)

create_payment_linkquery_payment_statusrefund_paymentcreate_subscription_linkquery_subscriptioncancel_subscription

Remote endpoint

Streamable HTTP

Hosted server - connect over the network, no local install.

url

https://mcp-gh.wishpool.app/mcp

Add to VS Code Add to Cursor

claude_desktop_config.json

json

{
  "mcpServers": {
    "ghana-payments-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "mcp-remote",
        "https://mcp-gh.wishpool.app/mcp"
      ]
    }
  }
}

Desktop config is stdio-only; this bridges via mcp-remote. Native remote: Settings > Connectors.

🛠️ Key Features

🚀 Use Cases

⚡ Developer Benefits

⚠️ Limitations

Topics

create_payment_link

query_payment_status

refund_payment

create_subscription_link

query_subscription

cancel_subscription

Ghana Payments MCP — let AI agents accept payments in Ghana

Use it in 60 seconds

Or run it yourself

Quick start

Tools

Develop

Install

Remote endpoint

Related servers