@pay2cash/sdk

TypeScript SDK for the pay2 Cash agentic-payments MCP. Let an AI agent pay on a user's behalf over UPI (₹) or a virtual card (€), within a limit the user authorises once — and onboard merchants who get paid via split settlement.

Zero dependencies. Works in Node 18+, browsers, and Cloudflare Workers.

Install

npm install @pay2cash/sdk

Usage

import { Pay2Cash, toPaise } from "@pay2cash/sdk";

const p2c = new Pay2Cash(); // defaults to https://mcp.pay2.cash

// 1. Onboard a user by their UPI VPA
const user = await p2c.onboardUser({ vpa: "alice@okhdfcbank" });

// 2. They authorise a spend limit once (UPI Reserve Pay mandate)
const mandate = await p2c.createMandate({
  userId: user.userId,
  limitPaise: toPaise(1000), // ₹1000
});
// ...user approves in their UPI app...

// 3. The agent spends within the limit, paying an onboarded merchant
const pay = await p2c.agentPay({
  mandateId: mandate.mandateId,
  amountPaise: toPaise(499),
  merchantId: "<merchant-id>",
});
console.log(pay.split); // { operatorSharePaise, platformFeePaise, merchantId }

Issue a virtual card instead (EUR)

const card = await p2c.issueCard({
  userId: user.userId,
  limitPaise: 5000, // card-currency minor units
  provider: "stripe",
});
console.log(card.last4);

Onboard a merchant (supply side)

const merchant = await p2c.onboardMerchant({
  name: "CiCi Label",
  settleVpa: "cicilabel@hdfcbank",
  platformFeeBps: 250, // 2.5%
});

API

| Method | Returns | |---|---| | onboardUser({ vpa, email? }) | { userId, vpa } | | createMandate({ userId, limitPaise, merchant?, expiresAt? }) | { mandateId, status, approvalUrl? } | | issueCard({ userId, limitPaise, provider? }) | { cardId, provider, cardToken, last4?, status, limitPaise } | | agentPay({ mandateId, amountPaise, merchantId? }) | { paymentId, status, remainingPaise, split? } | | mandateStatus(mandateId) | { status, limitPaise, spentPaise, remainingPaise } | | onboardMerchant({ name, settleVpa, platformFeeBps? }) | { merchantId, status, payuChildId?, platformFeeBps } | | merchantStatus(merchantId) | { name, status, platformFeeBps } | | listTools() | the MCP tool list |

All amounts are in paise (integer). Use toPaise(rupees) / toRupees(paise) helpers.

Options

new Pay2Cash({
  baseUrl: "https://mcp.pay2.cash", // MCP server base URL
  fetch: customFetch,                // optional fetch implementation
});

Links

• Website: https://pay2.cash
• MCP server: https://mcp.pay2.cash
• For non-SDK setups, point any MCP client at the MCP url, or use skill.md — see https://pay2.cash/get-started