India Payments (Razorpay Payment Links — UPI / cards / netbanking)

Official6 tools

by junter1989k-ai · JavaScript

India payments for AI agents — UPI, cards, wallets via Razorpay Payment Links. Never holds funds.

The app.wishpool/india-payments-mcp MCP server enables AI agents to accept India payments via Razorpay Payment Links. It supports UPI, cards, and wallets, and is designed so it never holds funds. The server uses HTTP access for integration.

🛠️ Key Features

India payments for AI agents
Payment Links integration with Razorpay
Methods: UPI, cards, wallets
Does not hold funds

🚀 Use Cases

Let AI agents collect payments in India
Process requests using Razorpay Payment Links for UPI and card/wallet payments

⚡ Developer Benefits

No installation required
Credentials, when needed, are sent as HTTP headers on each request and are not stored
Configurable in any MCP-capable client via an HTTP MCP server URL

⚠️ Limitations

Requires MCP client configuration pointing to the server’s HTTP endpoint
Credentials are only relevant “when you need them” (implies conditional use)

Topics

ai-agentsindiamcpmcp-serverpaymentsrazorpayupiai-agentclaudedianwishpool

Captured live from the server via tools/list.

create_payment_link

Create an India payment link in INR via Razorpay Payment Links, a major Indian payment gateway. Buyer pays with UPI (Google Pay / PhonePe / Paytm / any UPI app), credit/debit card, netbanking, or wallet — whatever is enabled on the merchant account. Returns a hosted payment page URL (rzp.io short link) the buyer opens to pay — payment completes automatically, no confirm step. Amounts are in INR rupees (decimals allowed, e.g. 499.50). Bring your own Razorpay key pair via headers x-razorpay-key-id AND x-razorpay-key-secret (free test keys from dashboard.razorpay.com; rzp_test_ keys never move real money). Money always flows buyer→Razorpay→merchant; this service never touches funds.

Parameters8

amount_inr	number	required	Amount in INR rupees (e.g. 499 or 499.50; converted to paise internally). Minimum ₹1.
description	string	required	What this payment is for (shown to the buyer, ≤2048 chars)
customer_name	string	optional	Optional buyer name.
customer_email	string	optional	Optional buyer email — Razorpay emails the payment link to them.
customer_contact	string	optional	Optional buyer phone (e.g. +919000090000) — Razorpay SMSes the payment link to them.
callback_url	string	optional	Optional https URL Razorpay redirects the buyer to after payment.
reference_id	string	optional	Your unique order reference (≤40 chars). Auto-generated if omitted.
provider	string	optional	Which gateway. Omit to auto-select: Cashfree when x-cashfree-* headers are present, otherwise Razorpay. Cashfree requires customer_contact (buyer phone).

Raw schema

{
  "type": "object",
  "properties": {
    "amount_inr": {
      "type": "number",
      "minimum": 1,
      "maximum": 10000000,
      "description": "Amount in INR rupees (e.g. 499 or 499.50; converted to paise internally). Minimum ₹1."
    },
    "description": {
      "type": "string",
      "description": "What this payment is for (shown to the buyer, ≤2048 chars)"
    },
    "customer_name": {
      "type": "string",
      "description": "Optional buyer name."
    },
    "customer_email": {
      "type": "string",
      "description": "Optional buyer email — Razorpay emails the payment link to them."
    },
    "customer_contact": {
      "type": "string",
      "description": "Optional buyer phone (e.g. +919000090000) — Razorpay SMSes the payment link to them."
    },
    "callback_url": {
      "type": "string",
      "description": "Optional https URL Razorpay redirects the buyer to after payment."
    },
    "reference_id": {
      "type": "string",
      "description": "Your unique order reference (≤40 chars). Auto-generated if omitted."
    },
    "provider": {
      "type": "string",
      "enum": [
        "razorpay",
        "cashfree"
      ],
      "description": "Which gateway. Omit to auto-select: Cashfree when x-cashfree-* headers are present, otherwise Razorpay. Cashfree requires customer_contact (buyer phone)."
    }
  },
  "required": [
    "amount_inr",
    "description"
  ]
}

query_payment_status

Check whether an India payment link (created by create_payment_link) has been paid. Fetches the link from Razorpay directly — a reliable pull-based alternative to webhooks. paid=true when status is PAID.

Parameters2

payment_link_id	string	required	The payment_link_id returned by create_payment_link (Razorpay plink_... or Cashfree link_id)
provider	string	optional	Omit to auto-select by credential headers.

Raw schema

{
  "type": "object",
  "properties": {
    "payment_link_id": {
      "type": "string",
      "description": "The payment_link_id returned by create_payment_link (Razorpay plink_... or Cashfree link_id)"
    },
    "provider": {
      "type": "string",
      "enum": [
        "razorpay",
        "cashfree"
      ],
      "description": "Omit to auto-select by credential headers."
    }
  },
  "required": [
    "payment_link_id"
  ]
}

refund_payment

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

Parameters3

payment_link_id	string	required	The payment_link_id of the paid payment (Razorpay plink_...)
amount	number	optional	Optional partial-refund amount in INR (decimals allowed). Omit for a full refund.
provider	string	optional	Refunds are currently supported on Razorpay only.

Raw schema

{
  "type": "object",
  "properties": {
    "payment_link_id": {
      "type": "string",
      "description": "The payment_link_id of the paid payment (Razorpay plink_...)"
    },
    "amount": {
      "type": "number",
      "description": "Optional partial-refund amount in INR (decimals allowed). Omit for a full refund."
    },
    "provider": {
      "type": "string",
      "enum": [
        "razorpay"
      ],
      "description": "Refunds are currently supported on Razorpay only."
    }
  },
  "required": [
    "payment_link_id"
  ]
}

create_subscription_link

Create a recurring subscription link in INR via Razorpay Subscriptions. It builds a Razorpay plan (period + interval + per-cycle amount) then a subscription for a fixed number of billing cycles, and returns a hosted authorization URL (rzp.io). The buyer opens it, authorizes their UPI/card once (UPI AutoPay / card e-mandate), and is then charged automatically every period until it completes or is cancelled. amount_inr is charged PER billing period. Bring your own Razorpay key pair via headers x-razorpay-key-id AND x-razorpay-key-secret. Respects the same owner policy guardrails as payments (the per-period amount is checked before anything is created). Money always flows buyer→Razorpay→merchant; this service never touches funds.

Parameters5

amount_inr	number	required	Amount charged PER billing period, in INR rupees (e.g. 499 or 499.50; converted to paise internally). Minimum ₹1.
period	string	optional	Billing period. Default "monthly".
interval	integer	optional	Charge every N periods (e.g. period=monthly, interval=1 = every month; interval=3 = every 3 months). Default 1. Note: Razorpay requires interval>=7 for daily plans.
total_count	integer	optional	Number of billing cycles to charge before the subscription completes (e.g. 12 monthly cycles = one year). Default 12.
description	string	required	What the subscription is for (used as the Razorpay plan item name, shown to the buyer).

Raw schema

{
  "type": "object",
  "properties": {
    "amount_inr": {
      "type": "number",
      "minimum": 1,
      "maximum": 10000000,
      "description": "Amount charged PER billing period, in INR rupees (e.g. 499 or 499.50; converted to paise internally). Minimum ₹1."
    },
    "period": {
      "type": "string",
      "enum": [
        "monthly",
        "yearly",
        "weekly",
        "daily"
      ],
      "description": "Billing period. Default \"monthly\"."
    },
    "interval": {
      "type": "integer",
      "minimum": 1,
      "description": "Charge every N periods (e.g. period=monthly, interval=1 = every month; interval=3 = every 3 months). Default 1. Note: Razorpay requires interval>=7 for daily plans."
    },
    "total_count": {
      "type": "integer",
      "minimum": 1,
      "maximum": 1000,
      "description": "Number of billing cycles to charge before the subscription completes (e.g. 12 monthly cycles = one year). Default 12."
    },
    "description": {
      "type": "string",
      "description": "What the subscription is for (used as the Razorpay plan item name, shown to the buyer)."
    }
  },
  "required": [
    "amount_inr",
    "description"
  ]
}

query_subscription

Check a subscription created by create_subscription_link, using its subscription_id (sub_...). active=true once the buyer has authorized (status active or authenticated). Full status list: created (awaiting authorization) | authenticated (mandate set up) | active (charging) | pending (a charge failed, retrying) | halted (retries exhausted) | cancelled | completed (all cycles charged) | expired.

Parameters1

subscription_id

string

required

The subscription_id (sub_...) returned by create_subscription_link

Raw schema

{
  "type": "object",
  "properties": {
    "subscription_id": {
      "type": "string",
      "description": "The subscription_id (sub_...) returned by create_subscription_link"
    }
  },
  "required": [
    "subscription_id"
  ]
}

cancel_subscription

Cancel a subscription so it stops renewing. Pass the subscription_id (sub_...) from create_subscription_link / query_subscription. By default cancels immediately; set cancel_at_cycle_end=true to keep it active until the end of the current paid cycle, then stop.

Parameters2

subscription_id	string	required	The subscription_id (sub_...) to cancel
cancel_at_cycle_end	boolean	optional	true = cancel at the end of the current billing cycle (buyer keeps access until then); false/omitted = cancel immediately.

Raw schema

{
  "type": "object",
  "properties": {
    "subscription_id": {
      "type": "string",
      "description": "The subscription_id (sub_...) to cancel"
    },
    "cancel_at_cycle_end": {
      "type": "boolean",
      "description": "true = cancel at the end of the current billing cycle (buyer keeps access until then); false/omitted = cancel immediately."
    }
  },
  "required": [
    "subscription_id"
  ]
}

README.md5 KBView on GitHub

India Payments MCP — let AI agents accept UPI & card payments in India

Use it in 60 seconds

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

json

{
  "mcpServers": {
    "india-payments": {
      "type": "http",
      "url": "https://mcp-in.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/india-payments-mcp && cd india-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-in.wishpool.app/mcp · Listed on the official MCP Registry as app.wishpool/india-payments-mcp · Sister servers: Taiwan · Japan · Korea · Indonesia

A remote MCP server that lets any AI agent (Claude, ChatGPT, Cursor…) accept payments in India:

📱 UPI — Google Pay / PhonePe / Paytm / any UPI app; the rail India actually uses
💳 Credit & debit cards / netbanking / wallets
✉️ Link delivery — optionally Razorpay SMSes/emails the payment link straight to the buyer
🔍 Payment status check — pull-based, no webhook needed; no confirm step, payment completes automatically

v0.1 routes through Razorpay Payment Links, a major Indian payment gateway with a hosted payment page. The provider registry is built for aggregation — more Indian gateways join behind the same tools.

⚖️ Stateless translation layer: funds always flow buyer → Razorpay → merchant directly. This server never holds, moves, or stores funds or credentials — no database at all.

Why this exists

Indian payment rails — UPI above all — are built for humans clicking through checkout pages and scanning QR codes. An AI agent has no agent-ready API for "let my Indian customer pay by UPI". This MCP server translates that flow into tools an agent can call.

Quick start

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

Add the server URL in any remote-MCP client (Claude Desktop / Claude Code / Cursor…), then send your Razorpay key pair as headers on each request:

Header	Value
`x-razorpay-key-id`	Your Razorpay key id. `rzp_test_...` = test mode (no real money, free from dashboard.razorpay.com); `rzp_live_...` = production.
`x-razorpay-key-secret`	The matching key secret.

No public demo key exists for Razorpay, so bring your own — a test key pair takes a minute to get and never moves real money.

Tools

Tool	What it does
`create_payment_link`	Create an INR payment link (rupees, decimals OK — converted to paise). Returns the hosted rzp.io URL; optional `customer_contact` / `customer_email` makes Razorpay deliver the link by SMS/email.
`query_payment_status`	Check status by `payment_link_id`: CREATED / PARTIALLY_PAID / PAID / CANCELLED / EXPIRED. `paid=true` on PAID.

Develop

bash

node test/serve.js      # local server (http://localhost:3215/mcp)
node test/e2e.js        # protocol + validation suite (probes real Razorpay auth errors)

Zero runtime dependencies; Node ≥ 18.

Summary

Remote MCP server for India payments: UPI (Google Pay / PhonePe / Paytm), cards, netbanking, wallets — via Razorpay Payment Links' hosted page. Bring-your-own credentials (x-razorpay-key-id + x-razorpay-key-secret), stateless, never touches funds, MIT-licensed, zero dependencies. Endpoint: https://mcp-in.wishpool.app/mcp.

Part of a family: Taiwan (ECPay 綠界 / NewebPay 藍新 + e-invoices) · Japan (KOMOJU — konbini / PayPay) · Korea (Toss Payments — cards / KakaoPay·NaverPay) · Indonesia (Midtrans Snap — GoPay / QRIS / Alfamart).

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-in.wishpool.app/mcp

Add to VS Code Add to Cursor

claude_desktop_config.json

json

{
  "mcpServers": {
    "india-payments-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "mcp-remote",
        "https://mcp-in.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

India Payments MCP — let AI agents accept UPI & card payments in India

Use it in 60 seconds

Or run it yourself

Why this exists

Quick start

Tools

Develop

Summary

Install

Remote endpoint

Related servers