Agentpay MCP
- kar69-96/useagentpay
AgentPay is a MCP server that enables AI agent purchases with human approval, encrypted local credentials, and budget controls.
About
AgentPay is an MCP server for developers who want AI assistants to help with purchases without handing over raw payment details or unlimited spend. It runs as a stdio npm package, keeps credentials encrypted on your machine, decrypts them only when you approve a transaction, and applies budget limits so experiments stay bounded. You set AGENTPAY_PASSPHRASE for decryption and ANTHROPIC_API_KEY when the flow needs browser-based checkout. It fits agent products, internal automation, and side projects where you need guardrails more than a full payments platform. Register it in Claude Code, Cursor, or other MCP-capable clients when you are integrating agent commerce, not when you only need a one-off manual checkout.
- Human-in-the-loop approval before any charge executes
- Local-first storage with passphrase-encrypted credentials
- Budget controls to cap agent spending
- Stdio MCP server published as @useagentpay/mcp-server v0.1.8
- Uses Anthropic API key for browser navigation during checkout
Agentpay MCP by the numbers
- Data as of Aug 10, 2026 (Skillselion catalog sync)
claude mcp add --env AGENTPAY_PASSPHRASE=YOUR_AGENTPAY_PASSPHRASE --env ANTHROPIC_API_KEY=YOUR_ANTHROPIC_API_KEY agentpay -- npx -y @useagentpay/mcp-serverAdd your badge
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| Package | @useagentpay/mcp-server |
|---|---|
| Transport | STDIO |
| Auth | Required |
| Repository | kar69-96/useagentpay ↗ |
What it does
Let a coding agent propose purchases while you keep cards encrypted locally and approve spend against budgets.
Who is it for?
Best when you're shipping agent workflows that occasionally need real-world checkout with explicit approval gates.
Skip if: Skip if you need PCI-hosted card vaults, high-volume merchant processing, or fully unattended billing without human review.
What you get
After install, your agent can stage purchases you approve under budgets while secrets stay encrypted locally.
- Stdio MCP tools for agent-initiated purchases pending your approval
- Local encrypted credential handling with configurable budgets
By the numbers
- Package version 0.1.8 on npm as @useagentpay/mcp-server
- Stdio transport with 2 documented secret environment variables
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MCP payment guardrail, not a Stripe dashboard or hosted wallet product.
FAQ
Who is AgentPay for?
Developers building AI agents that must pay for services occasionally while keeping humans in control of money movement.
When should I use AgentPay?
Use it during Build when you integrate agent tooling and need encrypted credentials plus budget limits before shipping autonomous purchase flows.
How do I add AgentPay to my agent?
Install @useagentpay/mcp-server via npm, configure stdio transport in your MCP client, and set AGENTPAY_PASSPHRASE and ANTHROPIC_API_KEY as required secrets.