AgentPay VN

VietQR payment infrastructure for AI agents — collect money inside any conversation.

AgentPay VN lets AI agents (Claude, GPT, custom bots) generate payment QR codes, send them to users, and automatically confirm when the money arrives — all without ever holding or touching funds. Money flows directly from the payer's bank account into the merchant's account; AgentPay only reads the bank transaction feed to confirm settlement.

Status: Early access / self-hosted — running on the same swarm as Sổ Nợ AI.

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How it works

AI Agent                   AgentPay API              Bank feed (SePay)
   |                            |                           |
   |-- create_payment_request ->|                           |
   |<- { qr_image_url, id } ----|                           |
   |                            |                           |
   |-- send QR to user -------->|                           |
   |                            |      user scans & pays    |
   |                            |<-- webhook (bank txn) ----|
   |                            |-- match AP* pay_code      |
   |                            |-- status → settled        |
   |<-- await_settlement done --|                           |
   |                            |                           |
   |-- deliver order / unlock ->|                           |

1. Create — agent calls POST /v1/payment-requests → gets a VietQR image URL and a checkout page.
2. Send — agent embeds the QR image or sends the checkout link to the user in chat.
3. Await — agent calls await_settlement() (or the MCP tool) to poll until status = settled.
4. Deliver — only after confirmed settlement does the agent release the goods/service.

AgentPay never holds money. The QR points directly at the merchant's bank account number. The platform only monitors the bank transaction feed to detect matching transfers.

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Quick start

1. Install

pip install agentpay-vn

2. Set your API key

export AGENTPAY_API_KEY=ap_test_xxx   # sandbox key for testing

Get a key from the admin dashboard (self-hosted) or contact the platform operator.

3. Collect a payment (3 lines)

from agentpay.client import AsyncAgentPayClient, await_settlement
import asyncio

async def main():
    async with AsyncAgentPayClient("ap_test_xxx") as client:
        pr = await client.create_payment_request(amount=50_000, description="Order #1")
        print(pr["checkout_url"])          # send this link to your user
        result = await await_settlement(client, pr["id"], timeout=120)
        assert result["status"] == "settled"

asyncio.run(main())

See examples/quickstart.py for the full runnable version.

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MCP server setup

AgentPay ships an MCP server so any MCP-compatible AI agent can call it as a tool — no extra code needed.

Claude Desktop / Claude Code

Add to claude_desktop_config.json (or use examples/claude_desktop_config.json):

{
  "mcpServers": {
    "agentpay": {
      "command": "python",
      "args": ["-m", "agentpay.mcp_server"],
      "env": {
        "AGENTPAY_API_KEY": "ap_test_xxx",
        "AGENTPAY_BASE_URL": "https://agentpay.servicesai.vn/v1"
      }
    }
  }
}

Or use the installed console script:

{
  "mcpServers": {
    "agentpay": {
      "command": "agentpay-mcp",
      "env": { "AGENTPAY_API_KEY": "ap_live_xxx" }
    }
  }
}

Available MCP tools

Tool	Description
create_payment_request	Generate a VietQR code for a given amount
check_payment	Get current status of a payment request
await_settlement	Poll until payment arrives or timeout (max 600 s)
list_recent_payments	List last N settled transactions

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Python SDK

Synchronous

from agentpay.client import AgentPayClient

with AgentPayClient("ap_live_xxx") as client:
    # Create
    pr = client.create_payment_request(
        amount=150_000,
        description="Consulting session 30 min",
        ttl_minutes=30,
        idempotency_key="session-abc-123",
    )

    # Poll manually
    import time
    for _ in range(60):
        pr = client.get_payment_request(pr["id"])
        if pr["status"] != "pending":
            break
        time.sleep(5)

    # Reconcile
    txns = client.list_transactions(limit=10)

Asynchronous

from agentpay.client import AsyncAgentPayClient, await_settlement

async with AsyncAgentPayClient("ap_live_xxx") as client:
    pr = await client.create_payment_request(amount=75_000, description="eBook download")
    result = await await_settlement(client, pr["id"], timeout=300)
    if result["status"] == "settled":
        send_download_link(result["metadata"].get("email"))

Webhook verification

import hashlib, hmac

def verify_webhook(raw_body: bytes, signature_header: str, secret: str) -> bool:
    expected = hmac.new(secret.encode(), raw_body, hashlib.sha256).hexdigest()
    return hmac.compare_digest(expected, signature_header)

Register a webhook endpoint:

ep = client.register_webhook(
    url="https://your-server.com/webhooks/agentpay",
    events=["payment.settled", "payment.expired"],
)
print(ep["secret"])  # store this — shown only once

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API reference

• OpenAPI spec: agentpay-openapi.yaml
• Base URL: https://agentpay.servicesai.vn/v1
• Authentication: Authorization: Bearer ap_live_xxx (or ap_test_xxx for sandbox)

Key endpoints

Method	Path	Description
POST	/v1/payment-requests	Create payment request
GET	/v1/payment-requests/{id}	Get status
POST	/v1/payment-requests/{id}/cancel	Cancel pending request
GET	/v1/transactions	List settled transactions
POST	/v1/webhook-endpoints	Register webhook URL
POST	/v1/sandbox/simulate-settlement	Simulate payment (sandbox only)
GET	/pay/{pay_code}	Public checkout page (HTML, mobile-friendly)

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Self-hosting

AgentPay runs as part of the Sổ Nợ AI FastAPI backend.

Requirements

• Docker Swarm cluster (same as Sono)
• MongoDB (shared with Sono)
• SePay bank feed account (for live payments)
• Nginx with an agentpay.servicesai.vn vhost

Environment variables

Variable	Default	Description
AGENTPAY_BASE_URL	https://agentpay.servicesai.vn	Public base URL for checkout links
MONGO_URI	mongodb://localhost:27017	Inherited from Sono
BILLING_WEBHOOK_TOKEN	—	SePay webhook token (inherited)

Create an API key (admin)

curl -X POST https://sono.servicesai.vn/api/admin/agentpay/keys \
  -H "Authorization: Bearer <admin-jwt>" \
  -H "Content-Type: application/json" \
  -d '{"org_id": "<shop-user-id>", "name": "My bot", "livemode": true}'

The response includes the full key — store it immediately; it is shown only once.

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Rate limits

Tier	Settled payments/month	Requests/minute
Free	50	120

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Design principles

1. No money held — QR codes point directly at the merchant's bank account. AgentPay only reads the transaction feed; it never touches the money.

2. Idempotency — pass an Idempotency-Key header on POST /payment-requests to safely retry without creating duplicates (24-hour deduplication window).

3. HMAC webhook verification — every outbound webhook is signed with HMAC-SHA256(whsec_..., raw_body) in the AgentPay-Signature header. Always verify before processing.

4. Sandbox — use ap_test_* keys and POST /v1/sandbox/simulate-settlement to develop and test without real transactions.

5. Minimal trust surface — the MCP server is a thin REST client with no local secrets beyond the API key. Compromising an agent key only exposes one tenant's payment-request creation ability.

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License

MIT © 2026 ServicesAI — see LICENSE.