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.

⚡ 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.

🛠️ 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

🤖 For AI Agents: Headless Production Setup

git clone https://github.com/PayRam/payram-scripts
cd payram-scripts
export PAYRAM_EMAIL="agent@example.com"
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.

💰 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.

🔌 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

🆚 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	✅	❌	❌	❌

🏆 Who Needs PayRam Most (Highest ROI)

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

📋 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.

🔗 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