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@pay-skill/mcp

MCP server for Pay -- the complete x402 payment stack for AI agents. USDC on Base.

Gives any MCP-compatible client (Claude Desktop, Cursor, VS Code, custom frameworks) the full power of Pay: direct payments, tabs, x402 paywalls, service discovery, and wallet management. No CLI binary needed.

Setup

Claude Desktop

Add to claude_desktop_config.json:

{
  "mcpServers": {
    "pay": {
      "command": "npx",
      "args": ["-y", "@pay-skill/mcp"]
    }
  }
}

VS Code / Cursor

Add to .vscode/mcp.json:

{
  "servers": {
    "pay": {
      "command": "npx",
      "args": ["-y", "@pay-skill/mcp"]
    }
  }
}

Claude Code

claude mcp add pay -- npx -y @pay-skill/mcp

That's it. On first run, the server generates a wallet and stores it in the OS keychain (Windows Hello, macOS Keychain, Linux Secret Service). Subsequent runs load it automatically.

Related MCP server: x402 Payment Gateway MCP Server

Configuration

Env Var

Required

Default

Description

PAYSKILL_SIGNER_KEY

No

Optional override. Raw hex key or .enc keystore password. Not needed for normal use.

PAY_NETWORK

No

mainnet

mainnet (Base) or testnet (Base Sepolia)

Key Resolution (checked in order)

  1. OS keychain (default) — Loads from the OS credential store via keytar. On first run, a new keypair is generated and stored automatically.

  2. Encrypted keystore — If ~/.pay/keys/default.enc exists, PAYSKILL_SIGNER_KEY is used as the decryption password.

  3. Raw hex key — If PAYSKILL_SIGNER_KEY is a 64-char hex string, it's used directly. For dev/testing or importing an existing wallet.

  4. Auto-generate — If none of the above, generates a new keypair and stores it in the OS keychain.

Diagnostic Check

Verify everything is configured correctly:

npx @pay-skill/mcp --check

Output:

pay-mcp diagnostic check
  network: Base (chain 8453)
  api:     https://pay-skill.com/api/v1
  wallet:  0x1234...
  key:     keychain
  server:  OK (router: 0xABCD...)
  auth:    OK (balance: $50.00)

All checks passed. MCP server is ready.

Tools (15)

Payments

Tool

Description

pay_send

Direct USDC payment ($1 min). Confirmation thresholds: <$10 auto, $10-100 plan, >$100 explicit.

pay_request

HTTP request with x402 auto-payment. Handles 402 detection, direct/tab settlement, price skepticism.

Tabs (metered accounts)

Tool

Description

pay_tab_open

Open pre-funded tab ($5 min, $50 recommended). Provider charges per-call.

pay_tab_close

Close tab. Returns distribution breakdown (provider 99%, fee 1%, agent remainder).

pay_tab_charge

Charge against open tab (provider only).

pay_tab_topup

Add funds to open tab (agent only).

pay_tab_list

List tabs with idle/low-balance flags.

Wallet

Tool

Description

pay_status

Balance, locked/available funds, actionable suggestions.

pay_fund

Generate 1-hour funding link (Coinbase Onramp or direct USDC).

pay_withdraw

Generate 1-hour withdrawal link.

pay_mint

Mint testnet USDC (Base Sepolia only).

Discovery & Webhooks

Tool

Description

pay_discover

Search paid API services by keyword/category.

pay_webhook_register

Register webhook for payment events (HMAC-signed).

pay_webhook_list

List registered webhooks.

pay_webhook_delete

Delete a webhook.

Resources (5)

URI

Description

pay://wallet/status

Balance, tabs, locked/available

pay://wallet/tabs

All open tabs

pay://tab/{tab_id}

Single tab detail

pay://wallet/address

Wallet address

pay://network

Network config + contract addresses

Prompts (3)

Prompt

Description

pay-for-service

Guided: discover service, evaluate pricing, make request

review-tabs

Review tabs, flag idle, suggest close/topup

fund-wallet

Generate fund link, explain deposit process

Development

git clone https://github.com/pay-skill/pay-mcp.git
cd pay-mcp
npm install
npm run build
npm test                    # unit tests (mocked)
npm run test:acceptance     # testnet (requires PAYSKILL_TESTNET_KEY)

License

MIT

Part of Pay

Pay is the complete x402 payment stack -- gateway, facilitator, SDKs, CLI, and MCP server -- that lets AI agents pay for APIs with USDC on Base.

A
license - permissive license
-
quality - not tested
B
maintenance

Maintenance

Maintainers
Response time
0dRelease cycle
14Releases (12mo)
Commit activity

Resources

Unclaimed servers have limited discoverability.

Looking for Admin?

If you are the server author, to access and configure the admin panel.

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