@codespar/mcp-rapyd

MCP server for Rapyd — global collect + disburse across 100+ countries.

Rapyd is the global counterpart to dLocal. 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:

• Cash pickup — OXXO Pay, 7-Eleven, and country-specific cash networks for unbanked recipients
• 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)

Use dLocal when LatAm depth is the requirement. Use Rapyd when global reach, cash pickup, or wallet infrastructure is the requirement.

Tools (22)

| Tool | Purpose | |---|---| | create_checkout_page | Create a Rapyd hosted checkout page. | | create_payment | Create a direct payment with a fully-specified payment_method. | | get_payment | Retrieve a payment by Rapyd payment id (payment_xxx). | | cancel_payment | Cancel a payment that has not yet been captured/completed. | | create_refund | Refund a completed payment. | | create_payout | Create a payout (disbursement) to a beneficiary. | | get_payout | Retrieve a payout by Rapyd payout id (payout_xxx). | | confirm_payout | Second step of Rapyd's two-step payout approval. | | list_payment_methods_by_country | List all inbound (collect) payment methods Rapyd supports for a given country + currency. | | list_payout_methods_by_country | List all outbound (disburse) payout method types Rapyd supports for a given beneficiary country. | | create_wallet | Create a Rapyd managed wallet (user) for an end user. | | list_payments | List payments with optional filters. | | update_payment | Update metadata / descriptor / receipt details on an existing payment. | | create_payment_method | Save a reusable payment method (card token, bank account, wallet) against a Rapyd customer. | | delete_payment_method | Remove a saved payment method from a Rapyd customer. | | list_payouts | List payouts (disbursements) with optional filters. | | cancel_payout | Cancel a payout that is still in 'Created' state (before confirm_payout releases funds). | | get_wallet | Retrieve a Rapyd ewallet (user) by id. | | update_wallet | Update profile fields on a Rapyd ewallet (user). | | list_wallets | List Rapyd ewallets under the merchant account. | | wallet_contact_verify | Submit a verification token (usually received via SMS/email) to verify a wallet contact's identity. | | transfer_between_wallets | Move funds between two Rapyd ewallets (source_ewallet → destination_ewallet). |

Install

npm install @codespar/mcp-rapyd

Environment

RAPYD_ACCESS_KEY="..."   # Public access key (sent in the access_key header)
RAPYD_SECRET_KEY="..."   # Secret key (used to sign requests; never transmitted)
RAPYD_ENV="sandbox"      # Optional. 'sandbox' (default) or 'production'

Base URLs:

• sandbox → https://sandboxapi.rapyd.net
• production → https://api.rapyd.net

Authentication

Every request is signed with HMAC-SHA256 per Rapyd's signature recipe:

toSign    = http_method_lowercase + url_path + salt + timestamp + access_key + secret_key + body_string
hmac_hex  = HMAC-SHA256(secret_key, toSign).digest('hex')
signature = Buffer.from(hmac_hex).toString('base64')   // hex → base64, not raw digest

Required headers on every request:

Content-Type: application/json
access_key:   <access_key>
salt:         <random 8-16 char string, unique per request>
timestamp:    <Unix seconds, within 60s of server time>
signature:    <computed per recipe above>
idempotency:  <unique per request>

The server handles salt, timestamp, signature, and idempotency generation automatically — you only configure RAPYD_ACCESS_KEY, RAPYD_SECRET_KEY, and (optionally) RAPYD_ENV.

Gotchas the server handles for you:

• body_string is the compact JSON body with no whitespace, or "" when empty — never "{}".
• url_path includes the query string when present.
• http_method is lowercased in the signature string but UPPERCASE on the wire.

Run

# stdio (default — for Claude Desktop, Cursor, etc)
npx @codespar/mcp-rapyd

# HTTP (for server-to-server testing)
MCP_HTTP=true MCP_PORT=3000 npx @codespar/mcp-rapyd

When to use Rapyd vs dLocal

| Requirement | Choose | |-------------|--------| | LatAm depth (Pix, OXXO, PSE, SPEI, Boleto) | dLocal | | Global reach (Asia, Africa, Europe + LatAm) | Rapyd | | Cash pickup for unbanked recipients | Rapyd | | Managed wallet infrastructure | Rapyd | | Single-country PSP (BR-only, MX-only) | Per-country server (Mercado Pago, Conekta, etc) |

License

MIT