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Where dLocal is LatAm-deep (15+ countries, Pix/OXXO/PSE/SPEI), Rapyd is worldwide-wide: Asia, Africa, Europe, the Middle East, and LatAm via a single API — and crucially covers two categories dLocal doesn't:\n\n- **Cash pickup** — OXXO Pay, 7-Eleven, and country-specific cash networks for unbanked recipients\n- **Managed wallets** — the merchant holds a master account and provisions sub-wallets per end user (marketplace balances, creator payouts, cross-border P2P without opening a bank account per user)\n\nUse dLocal when LatAm depth is the requirement. Use Rapyd when global reach, cash pickup, or wallet infrastructure is the requirement.\n\n## Tools (22)\n\n| Tool | Purpose |\n|---|---|\n| `create_checkout_page` | Create a Rapyd hosted checkout page. |\n| `create_payment` | Create a direct payment with a fully-specified payment_method. |\n| `get_payment` | Retrieve a payment by Rapyd payment id (payment_xxx). |\n| `cancel_payment` | Cancel a payment that has not yet been captured/completed. |\n| `create_refund` | Refund a completed payment. |\n| `create_payout` | Create a payout (disbursement) to a beneficiary. |\n| `get_payout` | Retrieve a payout by Rapyd payout id (payout_xxx). |\n| `confirm_payout` | Second step of Rapyd's two-step payout approval. |\n| `list_payment_methods_by_country` | List all inbound (collect) payment methods Rapyd supports for a given country + currency. |\n| `list_payout_methods_by_country` | List all outbound (disburse) payout method types Rapyd supports for a given beneficiary country. |\n| `create_wallet` | Create a Rapyd managed wallet (user) for an end user. |\n| `list_payments` | List payments with optional filters. |\n| `update_payment` | Update metadata / descriptor / receipt details on an existing payment. |\n| `create_payment_method` | Save a reusable payment method (card token, bank account, wallet) against a Rapyd customer. |\n| `delete_payment_method` | Remove a saved payment method from a Rapyd customer. |\n| `list_payouts` | List payouts (disbursements) with optional filters. |\n| `cancel_payout` | Cancel a payout that is still in 'Created' state (before confirm_payout releases funds). |\n| `get_wallet` | Retrieve a Rapyd ewallet (user) by id. |\n| `update_wallet` | Update profile fields on a Rapyd ewallet (user). |\n| `list_wallets` | List Rapyd ewallets under the merchant account. |\n| `wallet_contact_verify` | Submit a verification token (usually received via SMS/email) to verify a wallet contact's identity. |\n| `transfer_between_wallets` | Move funds between two Rapyd ewallets (source_ewallet → destination_ewallet). |\n\n## Install\n\n```bash\nnpm install @codespar/mcp-rapyd\n```\n\n## Environment\n\n```bash\nRAPYD_ACCESS_KEY=\"...\"   # Public access key (sent in the access_key header)\nRAPYD_SECRET_KEY=\"...\"   # Secret key (used to sign requests; never transmitted)\nRAPYD_ENV=\"sandbox\"      # Optional. 'sandbox' (default) or 'production'\n```\n\nBase URLs:\n- sandbox → `https://sandboxapi.rapyd.net`\n- production → `https://api.rapyd.net`\n\n## Authentication\n\nEvery request is signed with HMAC-SHA256 per Rapyd's signature recipe:\n\n```\ntoSign    = http_method_lowercase + url_path + salt + timestamp + access_key + secret_key + body_string\nhmac_hex  = HMAC-SHA256(secret_key, toSign).digest('hex')\nsignature = Buffer.from(hmac_hex).toString('base64')   // hex → base64, not raw digest\n```\n\nRequired headers on every request:\n\n```\nContent-Type: application/json\naccess_key:   <access_key>\nsalt:         <random 8-16 char string, unique per request>\ntimestamp:    <Unix seconds, within 60s of server time>\nsignature:    <computed per recipe above>\nidempotency:  <unique per request>\n```\n\nThe server handles salt, timestamp, signature, and idempotency generation automatically — you only configure `RAPYD_ACCESS_KEY`, `RAPYD_SECRET_KEY`, and (optionally) `RAPYD_ENV`.\n\nGotchas the server handles for you:\n- `body_string` is the compact JSON body with no whitespace, or `\"\"` when empty — never `\"{}\"`.\n- `url_path` includes the query string when present.\n- `http_method` is lowercased in the signature string but UPPERCASE on the wire.\n\n## Run\n\n```bash\n# stdio (default — for Claude Desktop, Cursor, etc)\nnpx @codespar/mcp-rapyd\n\n# HTTP (for server-to-server testing)\nMCP_HTTP=true MCP_PORT=3000 npx @codespar/mcp-rapyd\n```\n\n## When to use Rapyd vs dLocal\n\n| Requirement | Choose |\n|-------------|--------|\n| LatAm depth (Pix, OXXO, PSE, SPEI, Boleto) | dLocal |\n| Global reach (Asia, Africa, Europe + LatAm) | Rapyd |\n| Cash pickup for unbanked recipients | Rapyd |\n| Managed wallet infrastructure | Rapyd |\n| Single-country PSP (BR-only, MX-only) | Per-country server (Mercado Pago, Conekta, etc) |\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"}