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Niubiz/Izipay is the default for enterprise merchants with serious volume and a direct acquirer contract.\n\n## Positioning vs Culqi\n\n| | [@codespar/mcp-culqi](../culqi) | @codespar/mcp-izipay |\n|---|---|---|\n| Segment | Peru SMB | Peru enterprise |\n| Type | PSP (Stripe-analog) | Acquirer (Niubiz) |\n| Onboarding | Self-serve | Commercial contract |\n| Customers | D2C, SaaS, startups | Retail chains, airlines, utilities, banks |\n\nPeruvian merchants with serious volume typically have an Izipay acquirer contract **before** they adopt a PSP — different customers, different contracts, different commercial terms. The two servers complement each other.\n\n## Status: alpha\n\nThis is **0.1.0-alpha.1**. Izipay's developer portal at `developers.izipay.pe` is contract-gated — the public homepage advertises the API but the full REST reference is only available to contracted merchants. The endpoint paths in this server are best-effort inferences from Izipay's public SDK repositories (`github.com/izipay-pe`) and common Niubiz/Izipay REST conventions. **Every endpoint below should be validated against your integration kit before going live**, and corrections are welcome via PR.\n\n### Best-guess endpoints (unverified)\n\n| Tool | Method | Path |\n|---|---|---|\n| auth (internal) | `POST` | `/auth/login` |\n| `create_charge` | `POST` | `/v1/charges` |\n| `capture_charge` | `POST` | `/v1/charges/{id}/capture` |\n| `cancel_charge` | `POST` | `/v1/charges/{id}/cancel` |\n| `refund_charge` | `POST` | `/v1/charges/{id}/refund` |\n| `get_charge` | `GET` | `/v1/charges/{id}` |\n| `tokenize_card` | `POST` | `/v1/tokens` |\n| `delete_token` | `DELETE` | `/v1/tokens/{id}` |\n| `create_installment_plan` | `POST` | `/v1/installments` |\n| `list_transactions` | `GET` | `/v1/transactions` |\n| `get_settlement` | `GET` | `/v1/settlements/{date}` |\n\n## Tools (20)\n\n| Tool | Purpose |\n|---|---|\n| `create_charge` | Authorize a card payment. |\n| `capture_charge` | Capture a previously authorized charge (when capture=false was used in create_charge). |\n| `cancel_charge` | Void an authorized-but-uncaptured charge. |\n| `refund_charge` | Refund a captured charge. |\n| `get_charge` | Retrieve a charge by Izipay charge id. |\n| `tokenize_card` | Tokenize a card for PCI-safe reuse. |\n| `delete_token` | Delete a stored card token. |\n| `create_installment_plan` | Create a Peruvian cuotas (installment) plan on a charge. |\n| `list_transactions` | List transactions for reconciliation. |\n| `get_settlement` | Get the daily settlement batch (liquidación) for a given date. |\n| `get_charge_by_order` | Retrieve a charge by the merchant-side orderNumber (order_id passed to create_charge). |\n| `list_installment_options` | Query available cuota programs for a given card BIN and amount. |\n| `list_settlements` | List settlement batches across a date range. |\n| `create_payment_link` | Create a hosted payment link (pay-by-link). |\n| `get_payment_link` | Retrieve a payment link by id. |\n| `pay_yape` | Initiate a Yape direct payment. |\n| `pay_plin` | Initiate a Plin direct payment. |\n| `authenticate_3ds` | Complete a 3-D Secure challenge. |\n| `create_subscription` | Start a recurring card charge (subscription). |\n| `cancel_subscription` | Cancel an active subscription. |\n\n## Install\n\n```bash\nnpm install @codespar/mcp-izipay@alpha\n```\n\n## Environment\n\n```bash\nIZIPAY_USERNAME=\"...\"       # merchant username\nIZIPAY_PASSWORD=\"...\"       # merchant password (secret)\nIZIPAY_MERCHANT_CODE=\"...\"  # codigoComercio\nIZIPAY_ENV=\"production\"     # or \"sandbox\"\nIZIPAY_BASE_URL=\"...\"       # Optional override\n```\n\nDefaults:\n- `IZIPAY_ENV=production` → `https://api.izipay.pe`\n- `IZIPAY_ENV=sandbox` → `https://sandbox-api.izipay.pe`\n\n## Authentication\n\nJWT Bearer. On the first API call the server POSTs `{ username, password, merchantCode }` to `/auth/login`, caches the returned JWT in memory, and attaches it as `Authorization: Bearer <jwt>` on every subsequent request. The cached JWT is refreshed 60s before expiry. Transparent to callers.\n\n## Run\n\n```bash\n# stdio (default)\nnpx @codespar/mcp-izipay\n\n# HTTP\nMCP_HTTP=true MCP_PORT=3000 npx @codespar/mcp-izipay\n```\n\n## Enterprise\n\nNeed governance, budget limits, and audit trails for agent payments? [CodeSpar Enterprise](https://codespar.dev/enterprise) adds policy engine, payment routing, and compliance templates on top of these MCP servers.\n\n## License\n\nMIT\n","readmeFilename":"README.md"}