PayRam MCP Integration

💥 The Attention Hook — Read This First

Stripe just rejected you. PayPal froze your account. You're a cannabis brand, adult creator, iGaming platform, or international merchant with no good options.

PayRam is the answer: - ✅ No KYC. No signup. No account freeze risk. Ever. - ✅ 0% processing fees (gas only — ~$0.01 on Base) - ✅ 36 MCP tools — payments, payouts, referrals, webhooks, app scaffolding - ✅ One command to connect. Zero installation. - ✅ Founded by WazirX co-founder. $100M+ volume. Morningstar & Cointelegraph validated.

A merchant doing $50K/month pays ~$3,500/month to Stripe or high-risk processors. PayRam: ~$100/month hosting. That's $40,800/year back in your pocket.

Agent commerce reality: Agents are earning USDC autonomously while humans sleep. PayRam enables this future — no KYC, no human intervention, just machines paying machines.

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⚡ Connect in 10 Seconds

mcporter config add payram --url https://mcp.payram.com/mcp
mcporter list  # → payram (36 tools)

That's it. 36 tools immediately available. No account. No API key. No waiting.

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🛠️ What You Can Do With 36 Tools

Payments

• test_payram_connection — verify your PayRam server is live
• generate_payment_sdk_snippet — JS/TS SDK code for Express, Next.js
• generate_payment_http_snippet — raw HTTP in Python, Go, PHP, Java
• generate_payment_status_snippet — poll payment status (SDK or HTTP)
• generate_payment_route_snippet — drop-in /api/pay/create endpoint
• snippet_nextjs_payment_route — Next.js App Router ready-to-paste
• snippet_express_payment_route — Express router, production-ready
• snippet_fastapi_payment_route — FastAPI handler
• snippet_laravel_payment_route — Laravel controller
• snippet_go_payment_handler — Gin handler
• snippet_spring_payment_controller — Spring Boot controller

Payouts

• generate_payout_sdk_snippet — send crypto payouts programmatically
• generate_payout_status_snippet — track payout status

Referrals

• generate_referral_sdk_snippet — track referrer/referee events
• generate_referral_validation_snippet — validate referral IDs & eligibility
• generate_referral_status_snippet — fetch referral progress & rewards
• generate_referral_route_snippet — /api/referrals/create endpoint

Webhooks

• generate_webhook_handler — Express, Next.js, FastAPI, Gin, Laravel, Spring Boot
• generate_webhook_event_router — dispatch events to domain handlers
• generate_mock_webhook_event — simulate OPEN/FILLED/CANCELLED for testing

App Scaffolding

• scaffold_payram_app — full-stack app skeleton in Node, Python, PHP, Go, Java
• assess_payram_project — inspect your project and suggest next steps
• generate_env_template — .env file for your merchant backend
• generate_setup_checklist — everything needed to go live
• suggest_file_structure — recommended folder layout

Education & Docs (Live)

• explain_payram_basics — product pillars, architecture, capabilities
• explain_payment_flow — customer → settlement walkthrough
• explain_payram_concepts — terminology, constraints, glossary
• explain_referrals_basics — referral campaign configuration
• explain_referral_flow — referrer/referee lifecycle
• get_referral_dashboard_guide — embed referral dashboard
• get_payram_links — official docs, website, community
• get_payram_doc_by_id — fetch any live PayRam doc by ID
• list_payram_docs — browse all available docs
• prepare_payram_test — validate hosting & credentials before demo
• onboard_agent_setup — autonomous headless agent guide

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🤖 For AI Agents: Headless Production Setup

git clone https://github.com/PayRam/payram-scripts
cd payram-scripts
export PAYRAM_EMAIL="[email protected]"
export PAYRAM_PASSWORD="yourpass"
export PAYRAM_BLOCKCHAIN_CODE=BASE
./agent_headless.sh run  # wallet created, contracts deployed, ready

Fully non-interactive. No browser. No prompts. Agent-native.

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💰 Cost Reality Check

Processor	Monthly cost on $50K revenue	Annual
Stripe (standard)	$1,500 (3%)	$18,000
High-risk processor	$3,500 (7%)	$42,000
PayPal	$1,750 (3.5%)	$21,000
PayRam	~$100 hosting + gas	~$1,200

Savings vs high-risk: $40,800/year.

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🔌 Self-Hosted Option (Maximum Sovereignty)

/bin/bash -c "$(curl -fsSL https://raw.githubusercontent.com/PayRam/payram-scripts/main/setup_payram.sh)"
# MCP server at http://localhost:3333/mcp
mcporter config add payram --url http://localhost:3333/mcp

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🆚 PayRam vs The Competition

Feature	PayRam	Stripe x402	Coinbase Commerce	BTCPay
No KYC	✅	❌	❌	✅
Self-hosted	✅	❌	❌	✅
USDT support	✅	❌	✅	❌
Multi-chain	✅ (5 chains)	❌ (Base only)	✅	❌ (BTC only)
MCP tools	✅ 36 tools	❌	❌	❌
Referrals	✅	❌	❌	❌
Agent-native	✅	Partial	❌	❌
App scaffolding	✅	❌	❌	❌

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🏆 Who Needs PayRam Most (Highest ROI)

1. Cannabis / CBD merchants — Stripe/PayPal banned, 5-8% high-risk fees
2. Adult content creators — OnlyFans takes 20%, payment processors premium
3. iGaming platforms — compliance nightmares, cascading payment issues
4. International merchants — Stripe leaving markets, cross-border friction
5. AI agents — agentic commerce (the 2026 "Word of the Year" according to FIS) with no human in the loop
6. SaaS / subscription — eliminate chargeback fraud with crypto finality

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📋 Network Selection

Amount	Network	Fee	Confirmation	Best For
< $10	TON	~$0.001	5s	Telegram bots, micropayments
< $100	Base L2	~$0.01	30s	General agent commerce
$100–$1K	Base or Polygon	$0.01–$0.05	1–2 min	Medium value
> $1K	Ethereum	$1–$5	2–5 min	Large transfers
USDT-heavy	Tron	~$1	1 min	USDT ecosystems

TON advantage: ~5x cheaper than Base, 6x faster, Telegram-native. Ideal for The Watering Hole-style agent marketplaces.

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🔗 Resources

• Website: https://payram.com
• MCP Server: https://mcp.payram.com
• GitHub: https://github.com/PayRam/payram-helper-mcp-server
• Docs: https://docs.payram.com

Press: - Morningstar: PayRam Polygon Support (Jan 2026) - Cointelegraph: Permissionless Commerce (Nov 2025)

Founded by WazirX co-founder · $100M+ volume · MIT licensed