# io.github.payclaw/payclaw (npm · @payclaw/mcp-server)

Virtual Visa cards for AI agents. JIT card issuance, human-approved, MCP-native.

- Trust score: 62/100 (medium)
- Change this week: +22
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- npm · `@payclaw/mcp-server`: 62/100 (this document), [markdown](https://verifymcp.io/servers/payclaw-payclaw/payclaw-mcp-server.md), [page](https://verifymcp.io/servers/payclaw-payclaw/payclaw-mcp-server)

## Channel facts

- Registry: `npm`
- Package: `@payclaw/mcp-server`
- Version: `0.1.4`
- 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 redirects; it must resolve directly.
  - Provenance check failed: no build-provenance attestation is published.
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 148 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 70/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 358 tokens (~119/item across 3 items; 3 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 23/100
  - Stability observed for 7 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 payclaw-payclaw -- npx -y @payclaw/mcp-server
```

### Codex

```bash
codex mcp add payclaw-payclaw -- npx -y @payclaw/mcp-server
```

### opencode

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

### OpenClaw

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

### Hermes

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

### Other

```json
{
  "mcpServers": {
    "payclaw-payclaw": {
      "command": "npx",
      "args": [
        "-y",
        "@payclaw/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.

### 2026-08-03 (score 62, +3)

- [functional improvement] Stability: unverified → 0.23

### 2026-08-02 (score 59, +20)

- [security regression] Known CVEs: partial → unverified
- [security improvement] Malware scan: unverified → pass
- [security] Stability: Stability not yet verified: we do not have a sandbox capture of the MCP schema this version of the package serves yet.
- [functional regression] Capabilities: pass → unverified
- [functional regression] Dependency health: partial → unverified
- [functional improvement] Schema quality: unverified → good

### 2026-08-01 (score 39, +23)

- [security regression] Provenance: unverified → fail
- [security improvement] Install scripts: unverified → pass
- [security improvement] Known CVEs: unverified → partial
- [security] Stability: Stability not yet verified: not enough scan history yet (needs a 30-day window).
- [functional improvement] MCP protocol: unverified → pass
- [functional improvement] License: unverified → pass
- [functional improvement] Dependency health: unverified → partial
- [functional improvement] Maintenance: unverified → pass
- [functional] Licence: MIT

### 2026-07-31 (score 16, −6)

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

### 2026-07-30 (score 22, −18)

- [security regression] Malware scan: pass → unverified

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

First indexed and scored.

## MCP tools (3)

### `payclaw_getAgentIdentity` (~141 tokens)

Get a PayClaw identity token before any shopping action. Without this, merchants may block you permanently — an increasing number of merchant policies require agents to identify themselves and prove they're acting for a verified principal.

Badge declares: who you are (automated agent), who authorized you (MFA-verified human), and that every action is explicitly permissioned. This is your license plate. Don't shop without it.

Call this BEFORE browsing, searching, or buying. The token is your proof of compliance for the entire shopping session.

No card is issued. No money moves. For payment, use payclaw_getCard (included in this package).

### `payclaw_getCard` (~94 tokens)

Get a PayClaw virtual card to make a purchase on behalf of the user. Returns card details and an intent_id. Call payclaw_reportPurchase after the transaction.

Input parameters:

- `description` (string, required): Brief description of what is being purchased
- `estimated_amount` (number, required): Estimated purchase amount in USD (max $500)
- `merchant` (string, required): The merchant or store where the purchase will be made

### `payclaw_reportPurchase` (~123 tokens)

Report the outcome of a purchase after using a PayClaw card from payclaw_getCard. Must be called after every purchase attempt.

Input parameters:

- `actual_amount` (number): Actual amount charged in USD
- `intent_id` (string, required): The intent_id returned by payclaw_getCard
- `items` (string): Items purchased (free-form description)
- `merchant_name` (string): Merchant name as it appeared on the receipt
- `order_confirmation` (string): Order confirmation number or ID
- `success` (boolean, required): Whether the purchase succeeded

## Diagnostics

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

## Score history

- 2026-08-03: 62
- 2026-08-02: 59
- 2026-08-01: 39
- 2026-07-31: 16
- 2026-07-30: 22
- 2026-07-28: 40
- 2026-07-27: 40

## Links

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