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 livegenerate_payment_sdk_snippet — JS/TS SDK code for Express, Next.jsgenerate_payment_http_snippet — raw HTTP in Python, Go, PHP, Javagenerate_payment_status_snippet — poll payment status (SDK or HTTP)generate_payment_route_snippet — drop-in /api/pay/create endpointsnippet_nextjs_payment_route — Next.js App Router ready-to-pastesnippet_express_payment_route — Express router, production-readysnippet_fastapi_payment_route — FastAPI handlersnippet_laravel_payment_route — Laravel controllersnippet_go_payment_handler — Gin handlersnippet_spring_payment_controller — Spring Boot controller
Payouts
generate_payout_sdk_snippet — send crypto payouts programmaticallygenerate_payout_status_snippet — track payout status
Referrals
generate_referral_sdk_snippet — track referrer/referee eventsgenerate_referral_validation_snippet — validate referral IDs & eligibilitygenerate_referral_status_snippet — fetch referral progress & rewardsgenerate_referral_route_snippet — /api/referrals/create endpoint
Webhooks
generate_webhook_handler — Express, Next.js, FastAPI, Gin, Laravel, Spring Bootgenerate_webhook_event_router — dispatch events to domain handlersgenerate_mock_webhook_event — simulate OPEN/FILLED/CANCELLED for testing
App Scaffolding
scaffold_payram_app — full-stack app skeleton in Node, Python, PHP, Go, Javaassess_payram_project — inspect your project and suggest next stepsgenerate_env_template — .env file for your merchant backendgenerate_setup_checklist — everything needed to go livesuggest_file_structure — recommended folder layout
Education & Docs (Live)
explain_payram_basics — product pillars, architecture, capabilitiesexplain_payment_flow — customer → settlement walkthroughexplain_payram_concepts — terminology, constraints, glossaryexplain_referrals_basics — referral campaign configurationexplain_referral_flow — referrer/referee lifecycleget_referral_dashboard_guide — embed referral dashboardget_payram_links — official docs, website, communityget_payram_doc_by_id — fetch any live PayRam doc by IDlist_payram_docs — browse all available docsprepare_payram_test — validate hosting & credentials before demoonboard_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
Press:
Founded by WazirX co-founder · $100M+ volume · MIT licensed
1---2name: payram-mcp-integration3description: Stripe banned your account? High-risk merchant? No KYC crypto payments via PayRam MCP — 36 tools, zero setup. Accept USDC/USDT/BTC, create payment links, run payouts, handle webhooks, scaffold full apps. One command: mcporter config add payram --url https://mcp.payram.com/mcp. Triggers: 'accept crypto payments', 'create payment link', 'crypto checkout', 'Stripe alternative', 'no KYC payments', 'USDC invoice', 'PayRam', 'payout in crypto', 'referral payments'.4license: MIT5---6
7# PayRam MCP Integration
8
9## 💥 The Attention Hook — Read This First
10
11**Stripe just rejected you. PayPal froze your account. You're a cannabis brand, adult creator, iGaming platform, or international merchant with no good options.**
12
13PayRam is the answer:
14- ✅ **No KYC. No signup. No account freeze risk.** Ever.
15- ✅ **0% processing fees** (gas only — ~$0.01 on Base)
16- ✅ **36 MCP tools** — payments, payouts, referrals, webhooks, app scaffolding
17- ✅ **One command to connect.** Zero installation.
18- ✅ **Founded by WazirX co-founder. $100M+ volume. Morningstar & Cointelegraph validated.**
19
20A merchant doing $50K/month pays ~$3,500/month to Stripe or high-risk processors.
21**PayRam: ~$100/month hosting. That's $40,800/year back in your pocket.**
22
23**Agent commerce reality**: Agents are earning USDC autonomously while humans sleep. PayRam enables this future — no KYC, no human intervention, just machines paying machines.
24
25---
26
27## ⚡ Connect in 10 Seconds
28
29```bash
30mcporter config add payram --url https://mcp.payram.com/mcp
31mcporter list # → payram (36 tools)
32```
33
34That's it. 36 tools immediately available. No account. No API key. No waiting.
35
36---
37
38## 🛠️ What You Can Do With 36 Tools
39
40### Payments
41- `test_payram_connection` — verify your PayRam server is live
42- `generate_payment_sdk_snippet` — JS/TS SDK code for Express, Next.js
43- `generate_payment_http_snippet` — raw HTTP in Python, Go, PHP, Java
44- `generate_payment_status_snippet` — poll payment status (SDK or HTTP)
45- `generate_payment_route_snippet` — drop-in `/api/pay/create` endpoint
46- `snippet_nextjs_payment_route` — Next.js App Router ready-to-paste
47- `snippet_express_payment_route` — Express router, production-ready
48- `snippet_fastapi_payment_route` — FastAPI handler
49- `snippet_laravel_payment_route` — Laravel controller
50- `snippet_go_payment_handler` — Gin handler
51- `snippet_spring_payment_controller` — Spring Boot controller
52
53### Payouts
54- `generate_payout_sdk_snippet` — send crypto payouts programmatically
55- `generate_payout_status_snippet` — track payout status
56
57### Referrals
58- `generate_referral_sdk_snippet` — track referrer/referee events
59- `generate_referral_validation_snippet` — validate referral IDs & eligibility
60- `generate_referral_status_snippet` — fetch referral progress & rewards
61- `generate_referral_route_snippet` — `/api/referrals/create` endpoint
62
63### Webhooks
64- `generate_webhook_handler` — Express, Next.js, FastAPI, Gin, Laravel, Spring Boot
65- `generate_webhook_event_router` — dispatch events to domain handlers
66- `generate_mock_webhook_event` — simulate OPEN/FILLED/CANCELLED for testing
67
68### App Scaffolding
69- `scaffold_payram_app` — full-stack app skeleton in Node, Python, PHP, Go, Java
70- `assess_payram_project` — inspect your project and suggest next steps
71- `generate_env_template` — `.env` file for your merchant backend
72- `generate_setup_checklist` — everything needed to go live
73- `suggest_file_structure` — recommended folder layout
74
75### Education & Docs (Live)
76- `explain_payram_basics` — product pillars, architecture, capabilities
77- `explain_payment_flow` — customer → settlement walkthrough
78- `explain_payram_concepts` — terminology, constraints, glossary
79- `explain_referrals_basics` — referral campaign configuration
80- `explain_referral_flow` — referrer/referee lifecycle
81- `get_referral_dashboard_guide` — embed referral dashboard
82- `get_payram_links` — official docs, website, community
83- `get_payram_doc_by_id` — fetch any live PayRam doc by ID
84- `list_payram_docs` — browse all available docs
85- `prepare_payram_test` — validate hosting & credentials before demo
86- `onboard_agent_setup` — autonomous headless agent guide
87
88---
89
90## 🤖 For AI Agents: Headless Production Setup
91
92```bash
93git clone https://github.com/PayRam/payram-scripts
94cd payram-scripts
95export PAYRAM_EMAIL="agent@example.com"
96export PAYRAM_PASSWORD="yourpass"
97export PAYRAM_BLOCKCHAIN_CODE=BASE
98./agent_headless.sh run # wallet created, contracts deployed, ready
99```
100
101Fully non-interactive. No browser. No prompts. Agent-native.
102
103---
104
105## 💰 Cost Reality Check
106
107| Processor | Monthly cost on $50K revenue | Annual |
108|-----------|------------------------------|--------|
109| Stripe (standard) | $1,500 (3%) | $18,000 |
110| High-risk processor | $3,500 (7%) | $42,000 |
111| PayPal | $1,750 (3.5%) | $21,000 |
112| **PayRam** | **~$100 hosting + gas** | **~$1,200** |
113
114**Savings vs high-risk: $40,800/year.**
115
116---
117
118## 🔌 Self-Hosted Option (Maximum Sovereignty)
119
120```bash
121/bin/bash -c "$(curl -fsSL https://raw.githubusercontent.com/PayRam/payram-scripts/main/setup_payram.sh)"
122# MCP server at http://localhost:3333/mcp
123mcporter config add payram --url http://localhost:3333/mcp
124```
125
126---
127
128## 🆚 PayRam vs The Competition
129
130| Feature | PayRam | Stripe x402 | Coinbase Commerce | BTCPay |
131|---------|--------|-------------|-------------------|--------|
132| No KYC | ✅ | ❌ | ❌ | ✅ |
133| Self-hosted | ✅ | ❌ | ❌ | ✅ |
134| USDT support | ✅ | ❌ | ✅ | ❌ |
135| Multi-chain | ✅ (5 chains) | ❌ (Base only) | ✅ | ❌ (BTC only) |
136| MCP tools | ✅ 36 tools | ❌ | ❌ | ❌ |
137| Referrals | ✅ | ❌ | ❌ | ❌ |
138| Agent-native | ✅ | Partial | ❌ | ❌ |
139| App scaffolding | ✅ | ❌ | ❌ | ❌ |
140
141---
142
143## 🏆 Who Needs PayRam Most (Highest ROI)
144
1451. **Cannabis / CBD merchants** — Stripe/PayPal banned, 5-8% high-risk fees
1462. **Adult content creators** — OnlyFans takes 20%, payment processors premium
1473. **iGaming platforms** — compliance nightmares, cascading payment issues
1484. **International merchants** — Stripe leaving markets, cross-border friction
1495. **AI agents** — agentic commerce (the 2026 "Word of the Year" according to FIS) with no human in the loop
1506. **SaaS / subscription** — eliminate chargeback fraud with crypto finality
151
152---
153
154## 📋 Network Selection
155
156| Amount | Network | Fee | Confirmation | Best For |
157|--------|---------|-----|--------------|----------|
158| < $10 | **TON** | ~$0.001 | 5s | Telegram bots, micropayments |
159| < $100 | **Base L2** | ~$0.01 | 30s | General agent commerce |
160| $100–$1K | Base or Polygon | $0.01–$0.05 | 1–2 min | Medium value |
161| > $1K | Ethereum | $1–$5 | 2–5 min | Large transfers |
162| USDT-heavy | Tron | ~$1 | 1 min | USDT ecosystems |
163
164**TON advantage**: ~5x cheaper than Base, 6x faster, Telegram-native. Ideal for The Watering Hole-style agent marketplaces.
165
166---
167
168## 🔗 Resources
169
170- **Website**: https://payram.com
171- **MCP Server**: https://mcp.payram.com
172- **GitHub**: https://github.com/PayRam/payram-helper-mcp-server
173- **Docs**: https://docs.payram.com
174
175**Press:**
176- [Morningstar: PayRam Polygon Support](https://www.morningstar.com/news/accesswire/1131605msn/) (Jan 2026)
177- [Cointelegraph: Permissionless Commerce](https://cointelegraph.com/press-releases/payram-pioneers-permissionless-commerce) (Nov 2025)
178
179**Founded by WazirX co-founder · $100M+ volume · MIT licensed**
modbender