payment

Paytm MCP Server exposes a set of payment-focused capabilities that AI agents can invoke through the MCP surface. This enables context-aware automation across Paytm’s payments APIs, such as creating and fetching payment links, querying and refunding transactions, and retrieving settlement information. Tools available include create_link to generate a new payment link, fetch_link to retrieve details about a specific link, fetch_transaction to inspect a transaction tied to a link, fetch_order_list to get orders within a 30-day window, initiate_refund and check_refund_status to manage refunds, fetch_refund_list for refunds within a date range, and various settlement APIs (get_settlement_summary, get_settlement_detail, get_settlement_order_details, get_settlement_transaction_details) for payout analytics. Agents can issue natural-language prompts like “Create a ₹500 payment link for customer X,” “Show me the status of refund REF123,” or “Provide the settlement summary for last week,” and the MCP layer routes these to Paytm’s APIs with the appropriate authentication.

To use the MCP server, connect your client (Remote MCP as recommended) and ensure you have a valid Client ID, Secret Key, Merchant ID, and an access token. Once configured, you can enable the AI panel in your UI (Cursor or compatible tool) and start a conversational workflow that translates natural-language intents into API calls via the MCP bridge. The result is contextual automation across payment workflows, including refunds, settlements, and transaction inquiries, all accessible through prompts or integrated AI-assisted tooling.

Prerequisites

• Access to Paytm Remote MCP (or your chosen MCP deployment option) and corresponding credentials: Client ID, Secret Key, Merchant ID.
• A development environment capable of configuring MCP connections (Cursor, terminal, or your preferred MCP client).
• Network access to Paytm MCP endpoints as described in the remote configuration guide.

Step-by-step installation and setup

1. Obtain MCP credentials

   • Request access to Paytm Remote MCP via devsupport@paytmpayments.com and secure your Client ID, Secret Key, and Merchant ID.

2. Prepare your MCP configuration

   • Use the following layout to configure your MCP connection (fill in your actual Client ID and JWT token):

   { "mcpServers": { "Paytm MCP Server": { "url": "https://paytm-mcp.pg2prod.paytm.com/sse/", "headers": { "client-id": "<Client ID>", "Authorization": "Bearer <Authorization Token>" } } } }

3. Connect via your MCP client

   • If using Cursor or a compatible MCP consumer, add the above JSON to your MCP configuration in the Tools & Integrations section under New MCP Server.
   • Save and test the connection. You should see a green indicator once the Paytm MCP Server is reachable.

4. Verify access and start using tools

   • Open the AI panel associated with your MCP client and begin issuing natural-language prompts that map to Paytm APIs (e.g., creating a link, fetching a transaction, or retrieving settlement data).

Notes

• Ensure tokens are refreshed according to Paytm’s OAuth/Token policy and kept secure.
• Use the remote MCP URL and headers exactly as specified to ensure proper authentication.

Tips and common issues:

• If you see a connection failure, double-check that the client-id and Authorization token match the credentials issued by Paytm and that the Merchant ID is active.
• Tokens often expire; implement a token refresh flow in your integration and update the MCP config accordingly.
• When testing, start with read-only operations (e.g., fetch_link, fetch_transaction, get_settlement_summary) to verify permissions before performing mutating actions like initiate_refund.
• Keep a log of prompts and resulting API calls to audit automated workflows and troubleshoot intents that don’t map cleanly to a Paytm API.