# Razorpay MCP

> Razorpay manages your entire payment lifecycle within any AI agent. Use this server to create orders, manage customer records, track settlements, and process refunds—all from a single conversation. It gives you direct control over payments, ensuring accurate financial data without switching between apps.

## Overview
- **Category:** industry-titans
- **Price:** Free
- **Tags:** razorpay, payment-gateway, fintech-api, order-management, refunds-automation, invoicing-api, india-payments, subscription-management, mcp

## Description

Razorpay lets your AI client take full command of every payment operation. You'll use this server to create orders, manage customer records, track settlements, and process refunds—all from a single chat session. It gives you direct control over payments, so you never have to jump between apps just to check a balance.

### Customer Profile Management

To keep your contact database clean, use the `create_customer` tool to add new customer records into your payment system's database. You can also run `list_customers` whenever you need a comprehensive list of all existing accounts associated with your Razorpay dashboard.

### Executing Payments and Orders

When you're ready for money to move, start by running the `create_order` tool; this generates a new, active payment order for a specific amount. You can then use `get_order` to pull all details about that exact payment order. Once the transaction is done, `get_payment` fetches the full status and metadata for any single completed payment.

### Tracking Transactions and Statuses

You need visibility into what happened with money? The server lets you run `list_payments`, which gives an overview of every recorded payment transaction. You can also use `list_orders` to get a simple list of all payment orders created on the platform, while `get_payment` confirms the status and metadata for any specific, single payment.

### Financial Reconciliation Tools

Reconciling revenue streams is where this server shines. Use `list_settlements` to retrieve records showing funds successfully transferred into your bank account. For recurring income, you can run `list_subscriptions` to see all active and paused billing plans set up in the system, plus `list_invoices` gives a complete listing of generated invoices and their current status.

To track internal and external money movement, use `list_transfers` to show records of any fund transfers initiated through Razorpay. You can also check your overall financial picture by running `list_payments`, which details all recorded transactions.

### Handling Refunds and Failures

If a payment needs reversing or correcting, you've got coverage. Run `list_refunds` to show a record of every processed refund and the amounts associated with them. You can also use general payment listing tools to identify failure points, speeding up your reconciliation process when things don't go as planned.

This server gives you direct access to everything: from building customer profiles and initiating payments to checking settlements, invoices, and refunds—it keeps all that financial data right where you need it.

## Tools

### create_customer
Adds a new customer record into your payment system's database.

### create_order
Generates a new, active payment order for a specified amount.

### get_order
Retrieves all specific details about an existing payment order.

### get_payment
Fetches the full status and metadata for a single, completed payment transaction.

### list_customers
Retrieves a list of all customer accounts associated with your Razorpay dashboard.

### list_invoices
Gets a complete listing of generated invoices and their current status.

### list_orders
Retrieves a list of all payment orders that have been created on the platform.

### list_payments
Lists every recorded payment transaction, providing an overview of recent activity.

### list_refunds
Shows a record of all processed refunds and their associated amounts.

### list_settlements
Retrieves records showing funds that have been successfully transferred to your bank account.

### list_subscriptions
Lists all active and paused recurring billing plans set up in the system.

### list_transfers
Shows a record of internal or external fund transfers initiated through Razorpay.

## Prompt Examples

**Prompt:** 
```
List all active customers in my Razorpay account.
```

**Response:** 
```
I've retrieved your customers. You have 150 registered contacts. Notable recent profiles include 'John Miller' and 'Sarah Chen'. Which one would you like to see the payment history for?
```

**Prompt:** 
```
Show me all payment transactions from today with their statuses and settlement details.
```

**Response:** 
```
67 transactions today totaling ₹4,23,500. Captured: 62 (₹3,98,200). Authorized but not captured: 3 (₹18,400). Failed: 2 (₹6,900, card declined). By method: UPI 45% (highest), Credit Card 28%, Debit Card 15%, Net Banking 8%, Wallets 4%. Settlement: ₹3,45,000 settled to your bank account at 4 PM. Pending settlement: ₹53,200 (next cycle tomorrow). Average transaction: ₹6,320. Refunds processed: 4 (₹12,800).
```

**Prompt:** 
```
Create a new payment link for ₹15,000 for the consulting invoice with 7-day expiry.
```

**Response:** 
```
Payment link created. Amount: ₹15,000. Purpose: Consulting Invoice #INV-2025-089. Short URL: rzp.io/l/cons089. Expiry: May 20, 2025. Accepted methods: UPI, Credit Card, Debit Card, Net Banking, Wallets. Partial payments: disabled. The link has been copied to your clipboard and is ready to share via email or WhatsApp. A payment receipt will be auto-generated upon successful payment.
```

## Capabilities

### Manage Customer Profiles
Create new customer accounts or list all existing customers to maintain an accurate contact database.

### Execute Payments and Orders
Programmatically create payment orders for specific amounts, initiating the transaction flow.

### Track Payment Statuses
Retrieve detailed metadata on any specific payment to confirm success or identify failure points.

### Handle Refunds and Failures
List all processed refunds or fetch details for payments that failed, speeding up reconciliation.

### Monitor Financial Reconciliation
Access and list settlements, invoices, subscriptions, and bank transfers to reconcile revenue streams.

## Use Cases

### Handling a High-Value Refund
A customer claims they were overcharged. Instead of manually searching through multiple transaction logs, the ops manager asks their agent to run `list_payments` and then use `get_payment` on the specific ID. The agent confirms the exact amount charged and initiates the refund process via the API.

### Monthly Financial Audit
The finance team needs to confirm total revenue for the month, broken down by payment type. They ask the agent to cross-reference `list_settlements` (what hit the bank) against `list_payments` (what was actually paid), ensuring no discrepancies exist before closing books.

### Onboarding a New Client
A sales rep needs to set up billing for a new client. Instead of creating accounts in two different systems, they ask the agent to run `create_customer` first, and then immediately use that ID to `create_order`, completing the payment flow in minutes.

### Investigating Failed Payments
A customer reports a failed purchase. The developer asks their AI client to check the status using `get_payment`. The agent returns not just 'failed,' but the specific error code and reason, allowing the developer to fix the front-end payment logic immediately.

## Benefits

- Eliminate dashboard hopping. Instead of switching between your CRM, payment portal, and accounting software to track a refund, you use `list_refunds` directly via chat.
- Automate reconciliation checks. You can ask the agent to combine data from `list_settlements`, `list_invoices`, and `list_payments`—getting one comprehensive financial summary instantly.
- Speed up checkout processes. Use `create_order` to build payments programmatically, skipping manual form entry and reducing customer friction.
- Improve account oversight. The ability to run `list_subscriptions` means you always know which recurring revenue streams are active or need attention.
- Deep payment visibility. When a transaction fails, instead of guessing, the agent can call `get_payment` to give you the exact technical reason for the failure.

## How It Works

The bottom line is you treat your payment dashboard like a chat conversation; your AI client runs the background API calls for you.

1. Subscribe to the server on Vinkius. Input your Razorpay Key ID and Key Secret from your payment dashboard.
2. Direct your AI client (Claude, Cursor, etc.) to execute a task: 'List all payments for Q3.'
3. The agent calls the necessary tools (e.g., `list_payments`), processes the data, and returns a summarized report or structured JSON output.

## Frequently Asked Questions

**How do I list all payments using the Razorpay MCP Server?**
Run `list_payments`. This tool gives you an overview of every payment transaction. You can then use `get_payment` with a specific ID to get deep details on any single transaction.

**What is the best way to handle refunds with list_refunds?**
Use `list_refunds` first to see all past actions. If you need to process one, your agent can guide you through the steps using the necessary IDs.

**Can I check my recurring billing plans with list_subscriptions?**
Yes, `list_subscriptions` pulls a report of all active and paused subscription plans. This helps you monitor where your stable, predictable revenue comes from.

**How do I create an order using the Razorpay MCP Server?**
Use `create_order`. You must provide the exact amount in the smallest currency unit (e.g., cents). This tool kicks off the payment process.

**How do I use the list_settlements tool to track my actual payouts?**
The `list_settlements` tool tracks when Razorpay sends money to your bank. It provides critical details like settlement dates, total amounts received, and any associated transaction fees for reconciliation.

**What specific information does the get_payment tool return about a single order?**
It returns granular data on one payment ID. You get the real-time status (authorized, captured, failed), total amount, and which payment method was used, confirming if an order succeeded or needs manual follow-up.

**If I need to check existing user records, how do I use the list_customers tool?**
You run `list_customers` to pull your full database of contacts. Your agent can search by name or ID, allowing you to maintain accurate customer records without switching apps.

**How does the list_transfers tool help me track money movement?**
The `list_transfers` tool shows funds moving between accounts outside of core payments. This is key for tracking payouts or internal credits, giving you a complete picture of your financial flow.

**Can my AI automatically find the details for a specific payment just by providing its ID?**
Yes! Use the `get_payment` tool with the Payment ID. Your agent will respond with complete metadata, including capture status, refund history, and customer notes in seconds.

**How do I find my Razorpay Key ID and Key Secret?**
Log in to your Razorpay dashboard, navigate to **Settings** > **API Keys**, and generate a new key pair. You will see the Key ID immediately and must download the Key Secret.