xpayr_health_check
API Gateway Health Check
Check XPayr Gateway API v1 operational health, version, and server timestamp.
GET /health
Public (No Key)
Model Context Protocol (MCP) Server for Non-Custodial Crypto Commerce.
Give Claude Desktop, Cursor, VS Code Copilot, Windsurf, Cline, and n8n agents native, policy-guarded access to 21 strongly-typed XPayr tools — create multi-chain USDT/USDC checkouts, verify HMAC webhooks, submit autonomous payment intents, and model 99.5% / 0.5% settlement splits.
⚡ Launch Live 21-Tool MCP Playground
🌐 Open mcp.xpayr.com Portal
📦 npm: @xpayr/mcp-server
📄 /.well-known/mcp.json
21 ToolsAcross checkout, webhooks, AI agents & merchant treasury.
2 TransportsRemote JSON-RPC 2.0 (
/api/mcp) + Local npx Stdio.6 SuitesScope context windows via
--suite flagship or all.GuardrailsPer-tx caps, daily budgets & human approval queues.
1-Click IDE & Agent Client Configuration
Live Browser Probe → POST /api/mcp
Send a real JSON-RPC 2.0 request to XPayr's live Streamable HTTP MCP endpoint right from this page.
// Click "Run tools/list" or "Run Fee Split ($250 USDC)" to inspect live JSON-RPC 2.0 output from https://xpayr.com/api/mcp
All 21 Official MCP Tools
xpayr_create_payment_session
Create Crypto Payment Session (Dual Checkout)
Create a non-custodial crypto payment session supporting Web3 1-Click Pay, Direct Exchange QR Transfer, Multi-Chain Links, 1-Year Reusable Links, and Automated HTML Invoice Email Delivery.
POST /payments
Bearer sk_test / sk_live
xpayr_get_payment_session
Get Payment Session Details
Retrieve full details, metadata, settlement split amounts, checkout mode, and on-chain transaction hash for a payment session.
GET /payments/{session_id}
Bearer sk_test / sk_live
xpayr_list_payment_sessions
List Merchant Payment Sessions
List merchant crypto payment sessions with filtering by status, currency, network, and pagination.
GET /payments
Bearer sk_test / sk_live
xpayr_get_public_payment_status
Poll Public On-Chain Payment Status
Poll real-time public checkout status, on-chain tx_hash, sender wallet address, block confirmations, and paid_at timestamp without an API key.
GET /payments/{session_id}/status
Public (No Key)
xpayr_apply_payment_coupon
Apply Checkout Discount Coupon
Validate and apply a merchant promotional discount coupon code to an active pending payment session.
POST /payments/{session_id}/coupon
Public (No Key)
xpayr_get_merchant_profile
Get Merchant Profile & Settlement Wallet
Retrieve authenticated merchant profile, settlement wallet address, commission rate in basis points (50 bps = 0.5%), and active API keys.
GET /me
Bearer sk_test / sk_live
xpayr_get_merchant_balance
Get Multi-Chain Settlement Volume & Balance
Query confirmed non-custodial settlement volume, transaction counts, and platform fees grouped by currency and blockchain network.
GET /me/balance
Bearer sk_test / sk_live
xpayr_get_supported_networks
List Supported Networks, Chains & Tokens
List all active EVM, TRON, Solana, and Arc Mainnet/Testnet blockchain networks, chain IDs, RPC endpoints, splitter contracts, and supported tokens.
GET /me/networks
Bearer sk_test / sk_live
xpayr_get_webhook_config
Get Webhook Configuration & Events
Inspect the merchant webhook callback URL, masked HMAC-SHA256 signing secret, and subscribed payment lifecycle events.
GET /webhooks
Bearer sk_test / sk_live
xpayr_set_webhook_endpoint
Configure HTTPS Webhook Endpoint
Configure or update the merchant HTTPS webhook receiver URL and generate a fresh 32-byte HMAC-SHA256 signing secret.
POST /webhooks
Bearer sk_test / sk_live
xpayr_send_test_webhook
Dispatch Signed Test Webhook Event
Send a signed test.webhook payload with HMAC-SHA256 headers to verify merchant webhook signature verification.
POST /webhooks/test
Bearer sk_test / sk_live
xpayr_create_ai_agent
Create Policy-Controlled AI Commerce Agent
Provision a new merchant-managed AI commerce agent identity with scoped credentials and programmable spending guardrails.
POST /agents
Bearer sk_test / sk_live
xpayr_list_ai_agents
List Merchant AI Commerce Agents
List all AI commerce agents managed by the merchant along with their status, assigned wallets, and spending policies.
GET /agents
Bearer sk_test / sk_live
xpayr_update_ai_agent_policy
Update AI Agent Spending Guardrails
Configure spending policy guardrails for an AI agent (max per-tx USD, daily cap, auto-approve threshold, allowed chains/tokens).
PUT /agents/{agent_id}/policy
Bearer sk_test / sk_live
xpayr_submit_agent_payment_intent
Submit Autonomous AI Agent Payment Intent
Submit an autonomous AI agent payment intent evaluated in real time against merchant policy rules (approved, pending_approval, rejected).
POST /agent-intents
Bearer agk_test / agk_live
xpayr_list_agent_payment_intents
List AI Agent Payment Intents & Audit Logs
List AI agent payment intents, policy evaluation decisions, and audit trail records for the merchant.
GET /agent-intents
Bearer sk_test / sk_live
xpayr_bridge_agent_intent_to_checkout
Bridge Approved Agent Intent to Checkout Session
Bridge an approved AI agent payment intent into a live executable XPayr payment session with hosted checkout URL and on-chain verification.
POST /agent-intents/{intent_id}/bridge
Bearer sk_test / sk_live
xpayr_approve_agent_intent
Approve Pending AI Agent Intent (Human-in-the-Loop)
Approve a pending AI agent payment intent from the merchant approval queue and bridge it to checkout.
POST /agent-approvals/{intent_id}/approve
Bearer sk_test / sk_live
xpayr_reject_agent_intent
Reject Pending AI Agent Intent
Reject a pending AI agent payment intent in the merchant approval queue with an audit reason.
POST /agent-approvals/{intent_id}/reject
Bearer sk_test / sk_live
xpayr_calculate_gateway_fee_and_split
0.5% Gateway Fee Split & Exchange Tolerance Calculator
Deterministically calculate XPayr flat 0.5% (50 bps) gateway fee split, net merchant wallet settlement, 1% (max $0.50) exchange withdrawal tolerance, and savings vs BitPay, Coinbase Commerce, and Stripe.
LOCAL /tools/crypto-payment-fee-calculator
Offline / Public
XPayr MCP Server FAQ
Should I connect via Remote Streamable HTTP (/api/mcp) or local npx (@xpayr/mcp-server)?
Both expose all 21 XPayr tools with identical schemas. Remote Streamable HTTP (https://xpayr.com/api/mcp) requires zero local Node.js runtime and works immediately in cloud agents, n8n, and modern IDEs; npx -y @xpayr/mcp-server@1.0.0 runs over stdio locally and supports module scoping (--suite flagship,checkout).
Can AI agents call public MCP tools without an API key?
Yes. Public discovery, gateway health (xpayr_health_check), deterministic 0.5% fee split calculation (xpayr_calculate_gateway_fee_and_split), and public session status polling run without credentials. Authenticated checkout creation and agent-intent tools use your sk_test_ or sk_live_ key.
How do spending guardrails prevent an LLM hallucination from overspending?
XPayr AI Commerce Agents enforce server-side per-transaction caps, daily rolling budgets, auto-approval thresholds, chain/token whitelists, and human-in-the-loop approval queues (/agent-commerce) before any on-chain funds move.
Where is XPayr MCP published and verified?
XPayr MCP is published on npm (@xpayr/mcp-server@1.0.0), GitHub Container Registry (ghcr.io/xpayrcom/xpayr-mcp-server), Official MCP Registry, Glama, Smithery, and documented at https://mcp.xpayr.com and /.well-known/mcp.json.