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AI agents should use\n  the Ra Pay CLI directly (npm install -g @rapay/cli). See rapay.ai for docs."}},"time":{"created":"2026-01-18T05:50:34.640Z","modified":"2026-03-21T02:24:00.108Z","1.1.4":"2026-01-18T05:50:34.842Z","1.1.5":"2026-01-20T20:49:01.387Z","1.1.6":"2026-01-20T22:00:00.358Z","1.1.7":"2026-01-23T00:19:19.964Z","1.1.8":"2026-01-27T08:15:25.703Z","1.1.9":"2026-01-27T22:38:56.092Z","1.1.10":"2026-01-28T06:18:33.941Z","1.1.11":"2026-01-29T04:19:57.393Z","1.2.0":"2026-02-02T06:39:25.797Z","1.2.1":"2026-02-04T22:12:08.766Z","1.2.2":"2026-02-07T21:11:37.030Z","1.2.3":"2026-02-07T23:48:39.889Z","1.2.4":"2026-02-09T07:56:36.721Z","1.2.5":"2026-02-09T18:53:29.880Z","1.2.6":"2026-02-10T01:36:43.203Z","1.3.0":"2026-02-23T22:51:04.350Z","1.3.1":"2026-02-23T23:25:51.328Z","1.3.2":"2026-02-24T01:46:41.653Z"},"bugs":{"url":"https://github.com/Ra-Pay-AI/rapay/issues"},"author":{"name":"Ra Pay"},"license":"MIT","homepage":"https://github.com/Ra-Pay-AI/rapay#readme","keywords":["mcp","model-context-protocol","rapay","payments","stripe","ai-agents","claude","automation"],"repository":{"url":"git+https://github.com/Ra-Pay-AI/rapay.git","type":"git"},"description":"Ra Pay MCP Server for Claude Desktop and Claude Code - AI Agent Payment Infrastructure","maintainers":[{"name":"misfits2025","email":"e@rapay.ai"}],"readme":"# Ra Pay MCP Server\r\n\r\nMCP (Model Context Protocol) server for AI agent payment automation. Enables Claude Desktop, Claude API, and ChatGPT to execute payments via Ra Pay CLI.\r\n\r\n**Status:** Perplexity Security Review APPROVED (98% confidence)\r\n\r\n## Features\r\n\r\n- 6 MVP tools for payment operations\r\n- Subprocess isolation (credentials never leave keyring)\r\n- Response sanitization (prevents prompt injection)\r\n- Rate limiting (1 payment/min, 10 queries/min)\r\n- Audit logging\r\n\r\n## Installation\r\n\r\n### Prerequisites\r\n\r\n- Node.js 18+\r\n- Ra Pay CLI installed and authenticated (`ra link-bank`)\r\n\r\n### Setup\r\n\r\n```bash\r\ncd rapay/mcp-server\r\nnpm install\r\nnpm run build\r\n```\r\n\r\n### Claude Desktop Configuration\r\n\r\n**macOS:** `~/Library/Application Support/Claude/claude_desktop_config.json`\r\n\r\n```json\r\n{\r\n  \"mcpServers\": {\r\n    \"rapay\": {\r\n      \"command\": \"node\",\r\n      \"args\": [\"/Users/yourname/rapay/mcp-server/dist/index.js\"]\r\n    }\r\n  }\r\n}\r\n```\r\n\r\n**Windows:** `%APPDATA%\\Claude\\claude_desktop_config.json`\r\n\r\n```json\r\n{\r\n  \"mcpServers\": {\r\n    \"rapay\": {\r\n      \"command\": \"node\",\r\n      \"args\": [\"C:\\\\Users\\\\yourname\\\\rapay\\\\mcp-server\\\\dist\\\\index.js\"]\r\n    }\r\n  }\r\n}\r\n```\r\n\r\n**With custom CLI path:**\r\n\r\n```json\r\n{\r\n  \"mcpServers\": {\r\n    \"rapay\": {\r\n      \"command\": \"node\",\r\n      \"args\": [\"/path/to/rapay/mcp-server/dist/index.js\"],\r\n      \"env\": {\r\n        \"RAPAY_CLI_PATH\": \"/custom/path/to/ra\"\r\n      }\r\n    }\r\n  }\r\n}\r\n```\r\n\r\nAfter adding, restart Claude Desktop. You should see \"rapay\" in the MCP servers list.\r\n\r\n## Tools\r\n\r\n### Payment Operations (SENSITIVE)\r\n\r\n| Tool | Description |\r\n|------|-------------|\r\n| `ra_send` | Execute a payment transaction |\r\n| `ra_subscribe` | Create a subscription for a customer |\r\n| `ra_refund` | Open Stripe Dashboard for refunds |\r\n\r\n### Query Operations\r\n\r\n| Tool | Description |\r\n|------|-------------|\r\n| `ra_balance` | Check available balance |\r\n| `ra_history` | Get transaction history |\r\n| `ra_whoami` | Check account status |\r\n\r\n## Security\r\n\r\n### Subprocess Isolation\r\n\r\nMCP server spawns Ra Pay CLI as subprocess. Credentials remain in OS keyring - MCP server never sees them directly.\r\n\r\n### Response Sanitization\r\n\r\nAll CLI output is sanitized to prevent prompt injection:\r\n- ANSI escape sequences removed\r\n- System markers filtered (`[SYSTEM]`, `[USER]`, etc.)\r\n- Control characters stripped\r\n\r\n### Rate Limiting\r\n\r\nDefense-in-depth layer at MCP level:\r\n\r\n| Tool | Limit |\r\n|------|-------|\r\n| `ra_send` | 1 per 60 seconds |\r\n| `ra_subscribe` | 1 per 60 seconds |\r\n| `ra_refund` | 5 per 60 seconds |\r\n| `ra_balance` | 10 per 60 seconds |\r\n| `ra_history` | 10 per 60 seconds |\r\n| `ra_whoami` | 20 per 60 seconds |\r\n\r\nNote: Backend also enforces velocity controls (account-tier daily limits).\r\n\r\n## Privacy & Data Storage\r\n\r\nRa Pay is designed as a \"dumb pipe\" to Stripe:\r\n\r\n**What Ra Pay stores:**\r\n- Your user ID\r\n- Your Stripe account ID (encrypted)\r\n- Action logs: \"payment sent\", \"balance checked\" (no amounts)\r\n- Transaction audit trail with Stripe transfer IDs\r\n\r\n**What Ra Pay does NOT store:**\r\n- Your payment amounts\r\n- Recipient details\r\n- Payment descriptions\r\n- Your account balance\r\n- Any personally identifiable information (Stripe handles KYC)\r\n\r\n**What MCP server adds:**\r\n- Client type tracking (\"called via Claude Desktop\")\r\n- Tool call audit logs (same privacy level as above)\r\n- No new PII storage\r\n\r\n## Configuration\r\n\r\n### Environment Variables\r\n\r\n| Variable | Description | Default |\r\n|----------|-------------|---------|\r\n| `RAPAY_CLI_PATH` | Path to Ra Pay CLI executable | `ra` |\r\n\r\n### Audit Logging\r\n\r\nLogs are written to `~/.rapay/mcp-audit.log` with 7-day retention:\r\n- Tool name, timestamp, duration\r\n- Result (success/error/rate_limited)\r\n- Sanitized inputs (amounts redacted, emails masked)\r\n\r\n## Error Handling\r\n\r\n### Error Codes\r\n\r\n| Code | Description | Retryable |\r\n|------|-------------|-----------|\r\n| `RATE_LIMIT_EXCEEDED` | MCP rate limit hit | No (wait) |\r\n| `CLI_NOT_FOUND` | Ra Pay CLI not installed | No |\r\n| `TOS_ACCEPTANCE_REQUIRED` | ToS not accepted | No |\r\n| `ACCOUNT_NOT_LINKED` | Stripe account not linked | No |\r\n| `VELOCITY_EXCEEDED` | Daily limit exceeded | No |\r\n| `TIMEOUT` | Request timed out | Yes |\r\n| `NETWORK_ERROR` | Network connectivity issue | Yes |\r\n| `EXECUTION_FAILED` | Generic CLI error | No |\r\n\r\n### Rate Limit Error\r\n\r\n```json\r\n{\r\n  \"error\": \"rate_limit_exceeded\",\r\n  \"code\": \"RATE_LIMIT_EXCEEDED\",\r\n  \"message\": \"Too many requests. Please wait 60 seconds.\",\r\n  \"retry_after_seconds\": 60,\r\n  \"retryable\": false\r\n}\r\n```\r\n\r\n### CLI Not Found Error\r\n\r\n```json\r\n{\r\n  \"error\": \"cli_not_found\",\r\n  \"code\": \"CLI_NOT_FOUND\",\r\n  \"message\": \"Ra Pay CLI not found. Please install it first.\",\r\n  \"retryable\": false\r\n}\r\n```\r\n\r\n### ToS Required Error\r\n\r\n```json\r\n{\r\n  \"error\": \"tos_required\",\r\n  \"code\": \"TOS_ACCEPTANCE_REQUIRED\",\r\n  \"message\": \"Terms of Service must be accepted. Run 'ra accept-tos' first.\",\r\n  \"retryable\": false\r\n}\r\n```\r\n\r\n### For Claude API Callers: Exponential Backoff\r\n\r\nIf you receive `RATE_LIMIT_EXCEEDED`, implement exponential backoff:\r\n\r\n```typescript\r\nconst maxRetries = 3;\r\nlet delay = 60; // seconds\r\n\r\nfor (let attempt = 0; attempt < maxRetries; attempt++) {\r\n  try {\r\n    return await mcp.callTool('ra_send', params);\r\n  } catch (error) {\r\n    if (error.code === 'RATE_LIMIT_EXCEEDED') {\r\n      console.log(`Rate limited. Waiting ${delay}s before retry...`);\r\n      await sleep(delay * 1000);\r\n      delay *= 2; // exponential backoff\r\n    } else {\r\n      throw error;\r\n    }\r\n  }\r\n}\r\n\r\n// DO NOT:\r\n// - Retry immediately (wastes time, still rate limited)\r\n// - Retry more than 3 times (indicates genuine rate limit)\r\n// - Ignore retry_after_seconds field\r\n```\r\n\r\nNote: MCP rate limiting is client-side defense-in-depth. Backend also enforces velocity controls per account tier.\r\n\r\n## Data Flow\r\n\r\n```\r\nYou (Claude Desktop/API)\r\n    |\r\n    v\r\nMCP Server (this package)\r\n    | - Logs tool calls (no amounts/PII)\r\n    | - Rate limits requests\r\n    | - Sanitizes responses\r\n    v\r\nRa Pay CLI (subprocess)\r\n    | - Credentials in OS keyring\r\n    | - Adds replay protection\r\n    v\r\nRa Pay Backend\r\n    | - Validates requests\r\n    | - Enforces velocity limits\r\n    v\r\nStripe API\r\n    | - Owns all PII\r\n    | - Processes payments\r\n    v\r\nRecipient's Bank\r\n```\r\n\r\nAll sensitive data flows directly to Stripe. Ra Pay only records that an action occurred.\r\n\r\n## Security Model\r\n\r\nThis section documents the security posture of the published npm package.\r\n\r\n### What's Published to npm\r\n\r\n| Category | Included | Excluded |\r\n|----------|----------|----------|\r\n| Compiled JavaScript | Yes | - |\r\n| TypeScript declarations | Yes | - |\r\n| Source maps (.js.map) | No | Excluded for code privacy |\r\n| Source code (src/) | No | Development only |\r\n\r\n### Intentionally Public Information\r\n\r\n| Metadata | Value | Rationale |\r\n|----------|-------|-----------|\r\n| Repository | github.com/Ra-Pay-AI/rapay | Open source by design |\r\n| Author | Ra Pay | Company name |\r\n| License | MIT | Standard permissive license |\r\n| Keywords | mcp, payments, stripe, claude | Discoverability |\r\n\r\n### Security Features Exposed (By Design)\r\n\r\nThese are documented for users and do not represent vulnerabilities:\r\n\r\n- **Rate limiting rules** - Users need to know limits to implement backoff\r\n- **Error codes** - Required for proper error handling\r\n- **Tool schemas** - Required by MCP protocol specification\r\n- **Audit log location** (~/.rapay/mcp-audit.log) - Users may need to inspect\r\n\r\n### What Is NOT Exposed\r\n\r\n| Category | Protection |\r\n|----------|------------|\r\n| API keys/secrets | Never in code (OS keyring only) |\r\n| Backend URLs | Only public rapay.ai endpoints |\r\n| User data | Subprocess isolation, never in MCP process |\r\n| Payment amounts | Redacted as `[redacted]` in all logs |\r\n| Email addresses | Masked (j***@example.com) in audit logs |\r\n\r\n### Subprocess Isolation Model\r\n\r\n```\r\n┌─────────────────────┐\r\n│  AI Agent (Claude)  │\r\n└─────────┬───────────┘\r\n          │ MCP Protocol (stdio)\r\n          ▼\r\n┌─────────────────────┐\r\n│  MCP Server (npm)   │  ← No credentials here\r\n│  - Rate limiting    │\r\n│  - Input validation │\r\n│  - Response sanitize│\r\n└─────────┬───────────┘\r\n          │ Spawns subprocess\r\n          ▼\r\n┌─────────────────────┐\r\n│  Ra Pay CLI         │  ← Credentials in OS keyring\r\n│  - Session tokens   │\r\n│  - Stripe API calls │\r\n└─────────────────────┘\r\n```\r\n\r\nThe MCP server never has access to credentials. All sensitive operations are delegated to the CLI subprocess, which reads credentials directly from the OS keyring.\r\n\r\n## Development\r\n\r\n```bash\r\nnpm run dev    # Watch mode\r\nnpm run build  # Build\r\nnpm run lint   # Lint\r\nnpm run test   # Test\r\n```\r\n\r\n## License\r\n\r\nMIT\r\n","readmeFilename":"README.md"}