# io.github.stevemilton/payagent-mcp (npm · @arispay/payagent-mcp)

Gives AI agents a wallet: pay x402 APIs (USD + EUR), check balances, self-onboard in one tool call.

- Trust score: 61/100 (medium)
- Change this week: +22
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- npm · `@arispay/payagent-mcp`: 61/100 (this document), [markdown](https://verifymcp.io/servers/stevemilton-payagent-mcp/arispay-payagent-mcp.md), [page](https://verifymcp.io/servers/stevemilton-payagent-mcp/arispay-payagent-mcp)

## Channel facts

- Registry: `npm`
- Package: `@arispay/payagent-mcp`
- Version: `3.1.2`
- 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**: 87/100
  - No malware found by supply-chain analysis.
  - Only part of the dependency tree could be resolved (106 of 110), 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 (106 of 110), 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 4 days ago).
  - Security-disclosure policy not yet verified: we couldn't inspect the source repository.
- **Schema Quality & AI Usability**: 70/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 1181 tokens (~69/item across 17 items; 17 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**: 89/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 67% 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 stevemilton-payagent-mcp -- npx -y @arispay/payagent-mcp
```

### Codex

```bash
codex mcp add stevemilton-payagent-mcp -- npx -y @arispay/payagent-mcp
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add stevemilton-payagent-mcp --command npx --arg -y --arg @arispay/payagent-mcp
```

### Hermes

```yaml
mcp_servers:
  stevemilton-payagent-mcp:
    command: "npx"
    args: ["-y", "@arispay/payagent-mcp"]
```

### Other

```json
{
  "mcpServers": {
    "stevemilton-payagent-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "@arispay/payagent-mcp"
      ]
    }
  }
}
```

## 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 61, +46)

- [security regression] Provenance: unverified → fail
- [security improvement] Install scripts: unverified → pass
- [security improvement] Known CVEs: unverified → partial
- [functional improvement] License: unverified → pass
- [functional improvement] Dependency health: unverified → partial
- [functional improvement] Stability: unverified → 0.20
- [functional improvement] Maintenance: unverified → pass
- [functional improvement] MCP protocol: unverified → pass
- [functional improvement] Schema quality: unverified → good
- [functional improvement] Tool coverage: unverified → 100
- [functional] Licence: MIT

### 2026-08-01 (score 15, 0)

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

### 2026-07-31 (score 15, −3)

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

### 2026-07-30 (score 18, −21)

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

### 2026-07-27 (score 39)

First indexed and scored.

## MCP tools (17)

### `create_user` (~75 tokens)

Cold-start in one call: create an ArisPay user account plus the master funding account. Safe to re-run — it recovers the existing account instead of creating duplicates.

Input parameters:

- `email` (string, required): Email for the new ArisPay account.
- `name` (string): Human name. Falls back to the email local-part.

### `create_wallet` (~120 tokens)

Create a sub-wallet / spending profile. Sub-wallets draw from the master funding account and enforce per-transaction, daily, and monthly spend limits.

Input parameters:

- `allowedDomains` (array): If provided, restrict this sub-wallet to paying only these domains.
- `daily` (integer, required): Daily spend cap in cents.
- `monthly` (integer, required): Monthly spend cap in cents.
- `name` (string, required): Human name for this sub-wallet, e.g. 'Daily' or 'Travel'.
- `perTx` (integer, required): Per-transaction spend cap in cents.

### `list_wallets` (~18 tokens)

List all sub-wallets under this account.

### `fund_wallet` (~116 tokens)

Add money to the master funding account so a sub-wallet can spend. rail='europ' opens the Schuman KYC / vIBAN flow in a browser; rail='card' mints a hosted card-setup URL.

Input parameters:

- `amount` (number): Optional preset amount in dollars.
- `rail` (string, required): Funding rail: 'europ' for SEPA/EURØP, 'card' for debit/credit card.
- `wallet` (string, required): Name of a sub-wallet (used only for handoff context).

### `get_balance` (~56 tokens)

Show the master funding-account balance(s) and a sub-wallet's spend limits. If no wallet is named, lists all sub-wallets.

Input parameters:

- `wallet` (string): Optional sub-wallet name. Omit to list all sub-wallets.

### `pay_merchant` (~166 tokens)

Pay a merchant from the master wallet through a sub-wallet. For balance-rail payments (from FundingAccount), merchantId is required. For card-rail payments, the user must have a verified card on file.

Input parameters:

- `amount` (integer, required): Amount in cents.
- `currency` (string): Currency code. Default: USD.
- `memo` (string, required): Human-readable memo, e.g. 'T-shirt from getwatta.com'.
- `merchantId` (string): Required for balance-rail payments to a registered merchant.
- `merchantUrl` (string, required): Canonical merchant URL for this payment.
- `rail` (string): Force balance or card rail. Default: server picks based on available funding.
- `wallet` (string, required): Name of the sub-wallet to spend through.

### `pay_api` (~98 tokens)

Advanced: make an HTTP request to an x402-protected API, paying with USDC on Base via delegated signing. This is a separate rail from the wallet-centric balance/card flows.

Input parameters:

- `agent` (string): Optional name of a stored x402 payer agent.
- `body` (string)
- `headers` (object)
- `method` (string)
- `url` (string, required): The full URL of the API endpoint to call.

### `create_agent` (~117 tokens)

Advanced: provision an x402 payer agent with its own Base USDC wallet. Use create_wallet instead unless you specifically need to pay x402-protected HTTP resources.

Input parameters:

- `agentType` (string)
- `allowedDomains` (array)
- `daily` (integer, required): Daily spend cap in cents.
- `monthly` (integer, required): Monthly spend cap in cents.
- `name` (string, required): Local identifier for this x402 agent.
- `network` (string)
- `perTx` (integer, required): Per-transaction spend cap in cents.

### `fund_agent` (~39 tokens)

Advanced: get the USDC deposit address for an x402 payer agent.

Input parameters:

- `name` (string, required): Name of a locally-stored x402 agent.

### `get_balance_agent` (~39 tokens)

Advanced: on-chain USDC balance for an x402 payer agent.

Input parameters:

- `name` (string, required): Name of a locally-stored x402 agent.

### `list_agents` (~36 tokens)

Advanced: list x402 payer agents with on-chain wallets.

Input parameters:

- `withBalance` (boolean): Fetch on-chain USDC balance per agent.

### `rename_agent` (~42 tokens)

Advanced: rename an x402 payer agent.

Input parameters:

- `name` (string, required): Current local name of the x402 agent.
- `newName` (string, required): New name.

### `create_enduser` (~52 tokens)

Platform mode: register an end-customer under your account.

Input parameters:

- `email` (string)
- `externalId` (string, required): Your own stable id for this customer.
- `findOrCreate` (boolean)

### `attach_card_for_user` (~58 tokens)

Platform mode: mint a hosted card-entry URL for an end-user.

Input parameters:

- `agentName` (string): Optional x402 agent name to scope the session to.
- `userId` (string, required): ArisPay-internal end-user id.

### `set_user_limits` (~78 tokens)

Platform mode: set per-(user, agent) spend caps.

Input parameters:

- `agentName` (string, required)
- `allowedMcc` (array)
- `blockedMcc` (array)
- `daily` (integer)
- `monthly` (integer)
- `perTx` (integer)
- `userId` (string, required)

### `get_user_status` (~30 tokens)

Platform mode: report an end-user's card and wallet readiness.

Input parameters:

- `userId` (string, required)

### `check_wallet` (~41 tokens)

Legacy diagnostic for x402 payer agents. Use get_balance for wallet-centric balances.

Input parameters:

- `agent` (string): Optional name of a locally-stored x402 agent.

## Diagnostics

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

## Score history

- 2026-08-03: 61
- 2026-08-02: 61
- 2026-08-01: 15
- 2026-07-31: 15
- 2026-07-30: 18
- 2026-07-28: 39
- 2026-07-27: 39

## Links

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