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Pay MCP

Handles USDC payments, x402 requests, metered tabs, wallet actions, service discovery, and payment webhooks on Base.

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Install Pay MCP

Pick your client, then add it in one click or paste the config.

STDIONode.js
~/Library/Application Support/Claude/claude_desktop_config.json
claude_desktop_config.json
{
  "mcpServers": {
    "pay-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "@pay-skill/mcp"
      ],
      "env": {
        "PAYSKILL_SIGNER_KEY": "YOUR_VALUE_HERE",
        "PAY_NETWORK": "YOUR_VALUE_HERE"
      }
    }
  }
}

Settings → Developer → Edit Config, merge this into mcpServers, then fully quit and reopen Claude Desktop.

Values are written into the snippet above so you can paste it as is. They never leave your browser.

Install not yet sandbox-tested— we haven't run this command through our automated sandbox yet. Not a red flag; we're working through the catalog.

Overview

The pay-mcp MCP server gives AI agents USDC payment and wallet tools on Base. It supports direct transfers, x402-protected HTTP requests, prepaid usage tabs, paid-service discovery, funding and withdrawal links, and payment webhooks. Install it through npx in Claude Desktop, Cursor, VS Code, or Claude Code; on first launch it creates and stores a wallet unless another signer is configured. Use it when an agent needs to pay for APIs or manage USDC-based service access.

Use cases

  • Pay for an API that returns an x402 response
  • Open a prepaid tab for repeated metered calls
  • Discover paid services by category
  • Fund an agent wallet with a temporary link
  • Monitor and manage USDC payment webhooks

Key features

  • Direct USDC payments on Base
  • x402 request handling
  • Prepaid metered tabs
  • Wallet funding and withdrawal links
  • Paid API discovery
  • HMAC-signed payment webhooks

Tools15

What Pay MCP lets your agent do. Expand a tool for its parameters.

Self-reported~244 tokens of context

Security & health

What it can reach and how reliably it runs — from our own checks, not the maintainer’s claims.

ActiveLast checked 2d ago

Recent health check succeeded.

7/7 checks healthy over the last 45d

Supply-chain signal

No high-severity advisories surfaced by our automated scan.

Critical 0High 0Medium 0Low 0

Scanned 11d ago via OSV.dev · @pay-skill/mcp (npm)

Adoption & maintenance

Factual signals from GitHub, npm, and our automated checks — not a rating.

npm downloads293Package downloads in the last 30 days.
Last commit3d agoMost recent push to the default branch.
Tools exposed15Callable tools this server registers over MCP.

How Pay MCP works

What pay-mcp MCP server does

The pay-mcp MCP server connects MCP-compatible clients to Pay’s USDC payment stack on Base. It gives an agent tools for sending payments, paying x402-protected HTTP requests, managing prepaid tabs, checking wallet funds, discovering paid APIs, and handling payment webhooks.

Direct payments use pay_send, with a minimum of $1 and confirmation behavior based on amount: transfers below $10 can be automatic, $10–$100 are planned, and amounts above $100 require explicit confirmation. pay_request detects HTTP 402 responses and can settle requests through a direct payment or an existing tab. The tool also applies price skepticism when evaluating a payment request.

How it works

The pay-mcp MCP server runs as an MCP process started with npx -y @pay-skill/mcp. Its payment network defaults to Base mainnet, with Base Sepolia available through the testnet setting. The wallet uses a signer resolved from the operating system keychain, an encrypted keystore, a raw hexadecimal key, or a newly generated keypair when no existing key is available.

Tabs support metered services. An agent can open a tab with at least $5, add funds, list tabs, and close a tab. Providers can charge open tabs per call. Closing a tab reports the provider, fee, and remaining-agent distribution; the documented distribution is 99% to the provider and 1% as a fee, with any agent remainder returned in the result.

The server also exposes five resources for wallet, network, and tab information, plus three prompts for paying for a service, reviewing tabs, and funding a wallet.

Setup and configuration

Add the server to the client’s MCP configuration with the command npx -y @pay-skill/mcp. Claude Code can add it with claude mcp add pay -- npx -y @pay-skill/mcp. The README provides configuration examples for Claude Desktop, VS Code, and Cursor.

PAY_NETWORK selects mainnet or testnet; the default is mainnet. PAYSKILL_SIGNER_KEY is optional. It can provide a raw 64-character hexadecimal key or the password for an encrypted keystore. Without it, the server uses the OS credential store or generates a wallet and stores it there. Run npx @pay-skill/mcp --check to inspect the selected network, wallet, API, server, and authentication status.

Tools and capabilities

  • Send direct USDC payments and automatically pay x402 HTTP requests.
  • Open, charge, top up, list, and close prepaid usage tabs.
  • View balances and locked versus available funds.
  • Create one-hour funding and withdrawal links.
  • Mint testnet USDC on Base Sepolia.
  • Search paid API services by keyword or category.
  • Register, list, and delete HMAC-signed payment webhooks.

Limitations and notes

The pay-mcp MCP server requires an MCP-compatible client and a usable signer. Testnet minting is limited to Base Sepolia. Funding and withdrawal links are valid for one hour. The documented installation uses npm and does not require a separate CLI binary. The project is licensed under MIT.

Read the full README View source on GitHub

Reviews

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Frequently Asked Questions about Pay MCP

pay-mcp is an MCP server that connects AI agents to Pay’s USDC payment stack on Base. Its main tools send payments, handle x402 HTTP requests, manage prepaid tabs, check wallet funds, discover paid APIs, create funding or withdrawal links, and register payment webhooks for compatible MCP clients.

Install it by configuring the MCP client to run `npx -y @pay-skill/mcp`. The README includes entries for Claude Desktop, VS Code, and Cursor, while Claude Code can use `claude mcp add pay -- npx -y @pay-skill/mcp`.

Yes, pay-mcp works with Cursor through a `.vscode/mcp.json` server entry. Configure the server command as `npx` with `-y` and `@pay-skill/mcp` as its arguments.

pay-mcp handles x402 payments through `pay_request`, which makes an HTTP request, detects a 402 response, and settles the request directly or through an available tab. It also evaluates whether the requested price is reasonable.

Configure the wallet with the optional `PAYSKILL_SIGNER_KEY`, or let pay-mcp use the OS keychain and generate a keypair automatically. `PAY_NETWORK` selects Base mainnet or Base Sepolia, and `--check` verifies the resulting setup.

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