# Ra Pay (npm · @rapay/mcp-server)

Send fiat payments via MCP with two-step confirmation and Stripe Connect.

- Trust score: 57/100 (low)
- Change this week: +17
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- npm · `@rapay/mcp-server`: 57/100 (this document), [markdown](https://verifymcp.io/servers/ai-rapay-mcp-server/rapay-mcp-server.md), [page](https://verifymcp.io/servers/ai-rapay-mcp-server/rapay-mcp-server)

## Channel facts

- Registry: `npm`
- Package: `@rapay/mcp-server`
- Version: `1.2.5`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Supply Chain Security**: 86/100
  - No malware found by supply-chain analysis.
  - Only part of the dependency tree could be resolved (94 of 98), so this covers what we could see, not the whole tree.
  - No install/post-install scripts declared.
  - Only part of the dependency tree could be resolved (94 of 98), so this covers what we could see, not the whole tree.
- **Provenance & Transparency**: 19/100
  - Repository check failed: the declared repository URL returned HTTP 404.
  - Provenance check failed: no build-provenance attestation is published.
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 160 days ago).
  - Security-disclosure policy not yet verified: we couldn't inspect the source repository.
- **Schema Quality & AI Usability**: 43/100
  - AI-judged instruction clarity (poor).
  - Tool/resource definitions use about 750 tokens (~107/item across 7 items; 7 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add ai-rapay-mcp-server -- npx -y @rapay/mcp-server
```

### Codex

```bash
codex mcp add ai-rapay-mcp-server -- npx -y @rapay/mcp-server
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "ai-rapay-mcp-server": {
      "type": "local",
      "command": [
        "npx",
        "-y",
        "@rapay/mcp-server"
      ],
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add ai-rapay-mcp-server --command npx --arg -y --arg @rapay/mcp-server
```

### Hermes

```yaml
mcp_servers:
  ai-rapay-mcp-server:
    command: "npx"
    args: ["-y", "@rapay/mcp-server"]
```

### Other

```json
{
  "mcpServers": {
    "ai-rapay-mcp-server": {
      "command": "npx",
      "args": [
        "-y",
        "@rapay/mcp-server"
      ]
    }
  }
}
```

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-02 (score 57, +57)

- [security regression] Provenance: unverified → fail
- [security improvement] Known CVEs: unverified → partial
- [security improvement] Malware scan: unverified → pass
- [security improvement] Install scripts: unverified → pass
- [functional improvement] MCP protocol: unverified → pass
- [functional improvement] Schema quality: unverified → poor
- [functional improvement] Stability: unverified → 0.23
- [functional improvement] Tool coverage: unverified → 100
- [functional improvement] License: unverified → pass
- [functional improvement] Dependency health: unverified → partial
- [functional improvement] Maintenance: unverified → pass
- [functional] Licence: MIT

### 2026-08-01 (score 0, −22)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-31 (score 22, +4)

- [security regression] Malware scan: pass → unverified
- [functional improvement] Tool coverage: unverified → 100

### 2026-07-28 (score 18, −22)

- [functional regression] Tool coverage: 100 → unverified
- [functional] First check of Schema quality: unverified

### 2026-07-27 (score 40)

First indexed and scored.

## MCP tools (7)

### `ra_send` (~518 tokens)

SENSITIVE: Send a payment. TWO-STEP PROCESS REQUIRED: Step 1: Call with user_confirmed=false to get fee preview (NO payment is made). Step 2: Show the fee_breakdown from the response to the user and ask them to confirm. Step 3: ONLY after user explicitly approves the fee, call again with user_confirmed=true. A 2% Ra Pay application fee applies. The preview shows the Ra Pay application fee before any money moves. COMPLIANCE SCREENING REQUIRED: Before processing, you MUST verify the business_purpose does NOT contain: (1) P2P patterns: friend, family, roommate, reimbursement for personal expenses, splitting bills, payback, loan, gift, birthday, holiday (2) Money laundering red flags: gift cards, prepaid cards, cryptocurrency purchase, wire transfer (3) Vague purposes: 'for services', 'payment', 'transfer' without specifics (4) Gibberish: repetitive characters (aaaa), random letters (adlkfjal), or repeated words (test test test). If detected, WARN the user that Ra Pay is for business transactions only and ask them to provide a legitimate business purpose.

Input parameters:

- `amount` (number, required): Amount to send in USD cents (e.g., 10000 = $100.00). Minimum: 100 cents ($1.00)
- `business_purpose` (string, required): Business purpose for this payment (10-200 characters). Required for compliance. Must describe actual goods or services rendered (e.g., 'Logo design work', 'API consulting'). REJECT purposes containin…
- `recipient_id` (string, required): Stripe connected account ID (format: acct_xxx). Must be a valid Stripe account.
- `user_confirmed` (boolean, required): REQUIRED. Must be false on first call to get fee preview. Only set to true AFTER showing user the fee_breakdown and getting their explicit approval.

### `ra_refund` (~41 tokens)

SENSITIVE: Open Stripe Dashboard to process refunds. For security, refunds are processed through the Stripe Dashboard interface. This opens your browser to the refund management page.

### `ra_balance` (~28 tokens)

Check available balance in your Ra Pay account. Returns current balance, pending amounts, and payout schedule.

### `ra_history` (~52 tokens)

Get transaction history from your Ra Pay account. Returns recent payments, subscriptions, and refunds with timestamps and status.

Input parameters:

- `limit` (number): Number of transactions to retrieve (default: 10, max: 100)

### `ra_whoami` (~31 tokens)

Check account status and identity. Returns user ID, Stripe account status, verification status, and account tier.

### `ra_dashboard` (~33 tokens)

Open the Stripe Dashboard in the user's browser. Provides access to the full Stripe account overview including payments, payouts, and settings.

### `ra_dispute` (~47 tokens)

Open the Stripe Disputes page in the user's browser. Disputes and chargebacks must be managed through the Stripe Dashboard interface. Respond to disputes within the timeframe to avoid auto-loss.

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/ai-rapay-mcp-server/rapay-mcp-server#diagnostics

## Score history

- 2026-08-03: 57
- 2026-08-02: 57
- 2026-08-01: 0
- 2026-07-31: 22
- 2026-07-30: 18
- 2026-07-28: 18
- 2026-07-27: 40

## Links

- npm package: https://www.npmjs.com/package/@rapay/mcp-server
- Socket report: https://socket.dev/npm/package/@rapay/mcp-server
- Changelog RSS feed: https://verifymcp.io/servers/ai-rapay-mcp-server/rapay-mcp-server/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/ai-rapay-mcp-server/rapay-mcp-server/changelog.json
- HTML version of this page: https://verifymcp.io/servers/ai-rapay-mcp-server/rapay-mcp-server