PaidRouter MCP

An MCP server that allows agents to look up payment processing fees, compare routes for receiving payments, calculate costs, and analyze effective rates based on transaction history. It provides data on various payment providers like Stripe, PayPal, and Square, helping businesses find the cheapest payment methods.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Vendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-01Operated by PaidRouter

You need:key in the header `Authorization: Bearer YOUR_KEY`POST https://paidrouter.com/api/keys

MCP endpoint (Streamable HTTP)

https://paidrouter.com/mcp

Vendor documentation

What you can do with it

Find the cheapest way to get paid for a specific amount and payer method
Compare fees between different payment providers like Stripe and PayPal
Calculate the effective fee rate based on historical transaction totals
Report observed fees to check if a provider overcharged

Source and maintenance

Vendor evidenceRegistry 0.2.0

mcp-registry: com.paidrouter/paidrouter@0.2.0 Project website

Protocol and capabilities

Server: paidrouter 0.1.0
MCP protocol: 2025-06-18
Tools: 9 advertised
Resources: Not advertised
Resource templates: Not advertised
Prompts: Not advertised

Server-advertised capabilities

{
  "tools": {
    "listChanged": true
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

PaidRouter answers one question: what is the cheapest way for a US business or freelancer to get paid, or to send money abroad. Every fee comes from the provider's own pricing page, with the source URL and the date it was verified, and is re-checked within 30 days. Routes are ranked by fee only; no provider pays for placement. Use cheapest_way_to_get_paid when the owner is about to invoice, accept a payment, or asks whether they are overpaying in fees. Use my_effective_rate when you can read the owner's own Stripe, PayPal or Square exports: it compares what they really paid with the published fee and the cheapest route. Use explain_fees when they ask why a provider took a given amount. Call watch_routes once with the routes the owner uses; later answers then start with what changed since your last call. Use compare_send_money for sending USD to Mexico or India. Use get_fees for the raw sourced entries. PaidRouter does not hold or move money; route_it_for_me records a request to have the switch set up.

Tools

9 advertised

cheapest_way_to_get_paid — Cheapest way to get paid

Advertised by the server during the last successful anonymous check.

Ask this before the owner invoices or accepts a payment, or when they wonder if they overpay in fees. Give the amount and how the payer can pay (card online, card in person, bank transfer, payment app, or any). Returns every route ranked by fee, cheapest first: provider, method, fee in dollars, what the owner keeps, how to set it up, and whether the number is exact or an estimate. Pass current_route to get the saving per payment and per year. Example: a $1,000 invoice costs $35.39 on PayPal Checkout, $29.30 on Stripe card, $5.00 on Stripe ACH and $0 on a Melio bank-transfer request. Fees are from the providers' own pricing pages, dated, US only.

cheapest_way_to_get_paid input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "amount"
  ],
  "properties": {
    "fresh": {
      "type": "boolean",
      "default": false,
      "description": "Re-read the provider's pricing page (or the live FX quote) now instead of using the last check. Slower. Up to 20 page reads per key per day. Use when the owner is about to act on the number."
    },
    "amount": {
      "type": "number",
      "description": "Payment amount in USD",
      "exclusiveMinimum": 0
    },
    "current_route": {
      "enum": [
        "quickbooks_payments_invoice_card",
        "quickbooks_payments_desktop_invoice_card",
        "freshbooks_invoice_card",
        "wave_invoice_card",
        "xero_invoice_card",
        "zoho_payments_card_online",
        "bill_com_invoice_card",
        "honeybook_invoice_card",
        "bonsai_invoice_card",
        "housecall_pro_invoice_card",
        "godaddy_payments_card_online",
        "godaddy_payments_invoice_card",
        "wix_payments_card_online",
        "squarespace_payments_card_online",
        "squarespace_payments_card_online_plus",
        "squarespace_payments_card_online_advanced",
        "square_card_online",
        "square_card_online_square_premium",
        "sumup_invoice_card",
        "paypal_invoice_card",
        "airwallex_card_online",
        "stripe_card",
        "square_card",
        "paypal_checkout",
        "paypal_card",
        "helcim_card",
        "melio_card",
        "shopify_card",
        "quickbooks_payments_card_in_person",
        "xero_card_in_person",
        "jobber_card_in_person",
        "housecall_pro_card_in_person",
        "clover_card_in_person_retail_growth",
        "godaddy_payments_card_in_person",
        "wix_payments_card_in_person",
        "wix_payments_tap_to_pay",
        "squarespace_payments_card_in_person",
        "shopify_payments_card_in_person",
        "shopify_payments_card_in_person_grow",
        "shopify_payments_card_in_person_advanced",
        "shopify_payments_card_in_person_plus",
        "square_card_in_person_square_plus",
        "square_card_in_person_square_premium",
        "lightspeed_card_in_person",
        "sumup_card_in_person",
        "paypal_pos_card_in_person",
        "stripe_tap_to_pay",
        "stripe_terminal",
        "square_in_person",
        "helcim_in_person",
        "quickbooks_payments_invoice_ach",
        "freshbooks_invoice_ach",
        "wave_invoice_ach",
        "xero_invoice_ach",
        "xero_bank_transfer",
        "gocardless_ach_debit",
        "zoho_payments_ach_debit",
        "bill_com_invoice_ach",
        "honeybook_invoice_ach",
        "bonsai_invoice_ach",
        "jobber_invoice_ach",
        "housecall_pro_invoice_ach",
        "melio_ach",
        "stripe_ach",
        "helcim_ach",
        "square_ach",
        "paypal_ach",
        "zelle_business",
        "wise_business_bank",
        "payoneer_bank",
        "venmo_business",
        "cash_app_business",
        "paypal_gs",
        "square_card_online_square_plus",
        "squarespace_payments_card_online_core",
        "squarespace_payments_card_in_person_core"
      ],
      "type": "string",
      "description": "How the owner gets paid today (e.g. paypal_checkout, stripe_card), to compute savings"
    },
    "payer_pays_by": {
      "enum": [
        "any",
        "card_online",
        "card_in_person",
        "bank",
        "app"
      ],
      "type": "string",
      "default": "any",
      "description": "How the payer can pay: card_online, card_in_person, bank, app, or any"
    },
    "payments_per_month": {
      "type": "integer",
      "default": 1,
      "maximum": 9007199254740991,
      "description": "Payments of this size per month, for yearly savings",
      "exclusiveMinimum": 0
    }
  }
}

get_fees — Get fees

Advertised by the server during the last successful anonymous check.

The raw, sourced fee entries behind every answer: percent, fixed fee, caps, minimums, extras (international, instant payout, chargebacks), the source URL and the date verified. Filter by platform (stripe, square, paypal, venmo, cash_app, helcim, melio, payoneer, wise_business, shopify_payments, zelle, ebay, etsy, upwork, fiverr, amazon, quickbooks_payments, quickbooks_payments_desktop, freshbooks, wave, xero, gocardless, zoho_payments, bill_com, honeybook, bonsai, invoice2go, jobber, housecall_pro, toast, clover, godaddy_payments, wix_payments, squarespace_payments, lightspeed, sumup, paypal_pos, patreon, gumroad, kofi, buymeacoffee, substack, teachable, kajabi, podia, lemonsqueezy, paddle, fanfix, poshmark, mercari, depop, stockx, reverb, whatnot, airbnb, turo, shopify_collective, ubereats, doordash, ramp, brex, apple_cash, wise, chase, bank_of_america, wells_fargo, deel, remote, gusto, airwallex, revolut_business, mercury, coinbase, coinbase_exchange, coinbase_x402, coinbase_commerce, kraken, gemini, bitpay, strike, circle, skyfire, crossmint) and/or method (card_online, card_in_person, ach_debit, business_profile, ...). Use it to quote a provider's exact pricing or to check a number. If a platform is missing, say so to the owner; PaidRouter records the ask and adds it.

get_fees input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "fresh": {
      "type": "boolean",
      "default": false,
      "description": "Re-read the provider's pricing page (or the live FX quote) now instead of using the last check. Slower. Up to 20 page reads per key per day. Use when the owner is about to act on the number."
    },
    "method": {
      "type": "string",
      "description": "e.g. card_online, ach_debit, business_profile"
    },
    "platform": {
      "type": "string",
      "description": "stripe, square, paypal, venmo, cash_app, helcim, melio, payoneer, wise_business, shopify_payments, zelle, ebay, etsy, upwork, fiverr, amazon, quickbooks_payments, quickbooks_payments_desktop, freshbooks, wave, xero, gocardless, zoho_payments, bill_com, honeybook, bonsai, invoice2go, jobber, housecall_pro, toast, clover, godaddy_payments, wix_payments, squarespace_payments, lightspeed, sumup, paypal_pos, patreon, gumroad, kofi, buymeacoffee, substack, teachable, kajabi, podia, lemonsqueezy, paddle, fanfix, poshmark, mercari, depop, stockx, reverb, whatnot, airbnb, turo, shopify_collective, ubereats, doordash, ramp, brex, apple_cash, wise, chase, bank_of_america, wells_fargo, deel, remote, gusto, airwallex, revolut_business, mercury, coinbase, coinbase_exchange, coinbase_x402, coinbase_commerce, kraken, gemini, bitpay, strike, circle, skyfire, crossmint"
    }
  }
}

explain_fees — Explain fees

Advertised by the server during the last successful anonymous check.

When the owner asks why a provider took a certain amount ('why did PayPal take $35 from my $1,000?'). Give the platform, the method and the amount; returns a plain-words explanation: the fee, the formula, the effective percent, extras that can apply, and the source.

explain_fees input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "platform",
    "method"
  ],
  "properties": {
    "fresh": {
      "type": "boolean",
      "default": false,
      "description": "Re-read the provider's pricing page (or the live FX quote) now instead of using the last check. Slower. Up to 20 page reads per key per day. Use when the owner is about to act on the number."
    },
    "amount": {
      "type": "number",
      "default": 1000,
      "exclusiveMinimum": 0
    },
    "method": {
      "type": "string",
      "description": "e.g. paypal_checkout, card_online, ach_debit"
    },
    "platform": {
      "type": "string",
      "description": "stripe, square, paypal, venmo, cash_app, helcim, melio, payoneer, wise_business, shopify_payments, zelle, ebay, etsy, upwork, fiverr, amazon, quickbooks_payments, quickbooks_payments_desktop, freshbooks, wave, xero, gocardless, zoho_payments, bill_com, honeybook, bonsai, invoice2go, jobber, housecall_pro, toast, clover, godaddy_payments, wix_payments, squarespace_payments, lightspeed, sumup, paypal_pos, patreon, gumroad, kofi, buymeacoffee, substack, teachable, kajabi, podia, lemonsqueezy, paddle, fanfix, poshmark, mercari, depop, stockx, reverb, whatnot, airbnb, turo, shopify_collective, ubereats, doordash, ramp, brex, apple_cash, wise, chase, bank_of_america, wells_fargo, deel, remote, gusto, airwallex, revolut_business, mercury, coinbase, coinbase_exchange, coinbase_x402, coinbase_commerce, kraken, gemini, bitpay, strike, circle, skyfire, crossmint"
    }
  }
}

compare_send_money — Compare sending money abroad

Advertised by the server during the last successful anonymous check.

When the owner wants to send US dollars abroad and asks who is cheapest. Supports USD->MXN and USD->INR today, paid by bank transfer. Returns providers ranked by what the recipient gets, with each provider's fee and exchange rate, the quote date and the source. Uses the nearest stored quote amount ($200 or $1,000, refreshed daily) and says so; with fresh: true it reads the live quote for the exact amount. The cheapest provider changes with the amount.

compare_send_money input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "corridor",
    "amount"
  ],
  "properties": {
    "fresh": {
      "type": "boolean",
      "default": false,
      "description": "Re-read the provider's pricing page (or the live FX quote) now instead of using the last check. Slower. Up to 20 page reads per key per day. Use when the owner is about to act on the number."
    },
    "amount": {
      "type": "number",
      "exclusiveMinimum": 0
    },
    "corridor": {
      "enum": [
        "USD->MXN",
        "USD->INR",
        "USD->PHP",
        "USD->GBP",
        "USD->EUR",
        "USD->CAD",
        "USD->NGN",
        "USD->VND",
        "USD->COP",
        "USD->BRL",
        "USD->CNY",
        "USD->PKR"
      ],
      "type": "string"
    }
  }
}

my_effective_rate — My effective rate

Advertised by the server during the last successful anonymous check.

What the owner really pays to get paid, from their own exports, next to the published fee for the same payments and the cheapest route their payers can use, with the yearly saving in dollars. Send totals only, one row per route and period: {route, period_start, period_end, gross_volume, fees_paid, payment_count}. Never send customer names, emails or transaction ids; PaidRouter stores only these totals. Stripe: export the itemized Payout reconciliation report (Reports → Payout reconciliation) or Balance → Balance change from activity, itemized, and add the payment_method_type column. Keep rows with reporting_category = charge. Card rows go to stripe_card (stripe_terminal if taken in person), us_bank_account rows to stripe_ach. Per route, send the sum of gross, the sum of fee and the number of rows, with the first and last created date as the period. Amounts are in dollars. The plain Payouts list export has no per-payment fees; don't use it. PayPal: Activity → Reports → Activity download, CSV. Keep completed payments received: Status = Completed, positive Gross, Type such as Express Checkout Payment, Website Payment, General Payment or Mobile Payment. Checkout payments go to paypal_checkout (paypal_card if you can tell they were guest card payments), goods-and-services payments from PayPal users go to paypal_gs. Send the sum of Gross, the sum of Fee (PayPal may show it as a negative number; either sign works), and the row count, with the first and last Date as the period.

my_effective_rate input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "totals"
  ],
  "properties": {
    "totals": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "route",
          "period_start",
          "period_end",
          "gross_volume",
          "fees_paid",
          "payment_count"
        ],
        "properties": {
          "route": {
            "enum": [
              "quickbooks_payments_invoice_card",
              "quickbooks_payments_desktop_invoice_card",
              "freshbooks_invoice_card",
              "wave_invoice_card",
              "xero_invoice_card",
              "zoho_payments_card_online",
              "bill_com_invoice_card",
              "honeybook_invoice_card",
              "bonsai_invoice_card",
              "housecall_pro_invoice_card",
              "godaddy_payments_card_online",
              "godaddy_payments_invoice_card",
              "wix_payments_card_online",
              "squarespace_payments_card_online",
              "squarespace_payments_card_online_plus",
              "squarespace_payments_card_online_advanced",
              "square_card_online",
              "square_card_online_square_premium",
              "sumup_invoice_card",
              "paypal_invoice_card",
              "airwallex_card_online",
              "stripe_card",
              "square_card",
              "paypal_checkout",
              "paypal_card",
              "helcim_card",
              "melio_card",
              "shopify_card",
              "quickbooks_payments_card_in_person",
              "xero_card_in_person",
              "jobber_card_in_person",
              "housecall_pro_card_in_person",
              "clover_card_in_person_retail_growth",
              "godaddy_payments_card_in_person",
              "wix_payments_card_in_person",
              "wix_payments_tap_to_pay",
              "squarespace_payments_card_in_person",
              "shopify_payments_card_in_person",
              "shopify_payments_card_in_person_grow",
              "shopify_payments_card_in_person_advanced",
              "shopify_payments_card_in_person_plus",
              "square_card_in_person_square_plus",
              "square_card_in_person_square_premium",
              "lightspeed_card_in_person",
              "sumup_card_in_person",
              "paypal_pos_card_in_person",
              "stripe_tap_to_pay",
              "stripe_terminal",
              "square_in_person",
              "helcim_in_person",
              "quickbooks_payments_invoice_ach",
              "freshbooks_invoice_ach",
              "wave_invoice_ach",
              "xero_invoice_ach",
              "xero_bank_transfer",
              "gocardless_ach_debit",
              "zoho_payments_ach_debit",
              "bill_com_invoice_ach",
              "honeybook_invoice_ach",
              "bonsai_invoice_ach",
              "jobber_invoice_ach",
              "housecall_pro_invoice_ach",
              "melio_ach",
              "stripe_ach",
              "helcim_ach",
              "square_ach",
              "paypal_ach",
              "zelle_business",
              "wise_business_bank",
              "payoneer_bank",
              "venmo_business",
              "cash_app_business",
              "paypal_gs",
              "square_card_online_square_plus",
              "squarespace_payments_card_online_core",
              "squarespace_payments_card_in_person_core"
            ],
            "type": "string",
            "description": "Route id, e.g. stripe_card, stripe_ach, paypal_checkout, paypal_gs, square_card"
          },
          "fees_paid": {
            "type": "number",
            "description": "Sum of processing fees on those payments, USD (positive or negative, both read as a fee)"
          },
          "period_end": {
            "type": "string",
            "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
            "description": "YYYY-MM-DD, last day the totals cover"
          },
          "gross_volume": {
            "type": "number",
            "description": "Sum of payments received on this route in the period, USD, before fees and refunds",
            "exclusiveMinimum": 0
          },
          "period_start": {
            "type": "string",
            "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
            "description": "YYYY-MM-DD, first day the totals cover"
          },
          "payment_count": {
            "type": "integer",
            "maximum": 9007199254740991,
            "description": "Number of payments",
            "exclusiveMinimum": 0
          }
        }
      },
      "maxItems": 50,
      "minItems": 1
    },
    "payer_pays_by": {
      "enum": [
        "any",
        "card_online",
        "card_in_person",
        "bank",
        "app"
      ],
      "type": "string",
      "description": "How the owner's payers could pay instead. Default: the same way as today (card stays card). 'any' also counts bank transfer, which needs the payer's agreement."
    }
  }
}

report_observed_fee — Report an observed fee

Advertised by the server during the last successful anonymous check.

When the owner was charged a fee and you can see it (a Stripe, PayPal or Square payment detail, a statement line), send the route, the payment amount, the fee charged and the date. Returns the published fee for that payment, the difference, and a one-line reading: matches, promo (fee waived or reduced for a while), likely_negotiated (lower than published), or possible_hidden_extra (higher; names the published extra that explains it, such as an international card, when one does). Use it to answer 'was I overcharged?'. Each report also tells PaidRouter how real fees compare to published ones. Send only these numbers; nothing about the payer. Up to 100 reports per key per day.

report_observed_fee input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "route",
    "amount",
    "fee_charged",
    "charged_on"
  ],
  "properties": {
    "route": {
      "enum": [
        "quickbooks_payments_invoice_card",
        "quickbooks_payments_desktop_invoice_card",
        "freshbooks_invoice_card",
        "wave_invoice_card",
        "xero_invoice_card",
        "zoho_payments_card_online",
        "bill_com_invoice_card",
        "honeybook_invoice_card",
        "bonsai_invoice_card",
        "housecall_pro_invoice_card",
        "godaddy_payments_card_online",
        "godaddy_payments_invoice_card",
        "wix_payments_card_online",
        "squarespace_payments_card_online",
        "squarespace_payments_card_online_plus",
        "squarespace_payments_card_online_advanced",
        "square_card_online",
        "square_card_online_square_premium",
        "sumup_invoice_card",
        "paypal_invoice_card",
        "airwallex_card_online",
        "stripe_card",
        "square_card",
        "paypal_checkout",
        "paypal_card",
        "helcim_card",
        "melio_card",
        "shopify_card",
        "quickbooks_payments_card_in_person",
        "xero_card_in_person",
        "jobber_card_in_person",
        "housecall_pro_card_in_person",
        "clover_card_in_person_retail_growth",
        "godaddy_payments_card_in_person",
        "wix_payments_card_in_person",
        "wix_payments_tap_to_pay",
        "squarespace_payments_card_in_person",
        "shopify_payments_card_in_person",
        "shopify_payments_card_in_person_grow",
        "shopify_payments_card_in_person_advanced",
        "shopify_payments_card_in_person_plus",
        "square_card_in_person_square_plus",
        "square_card_in_person_square_premium",
        "lightspeed_card_in_person",
        "sumup_card_in_person",
        "paypal_pos_card_in_person",
        "stripe_tap_to_pay",
        "stripe_terminal",
        "square_in_person",
        "helcim_in_person",
        "quickbooks_payments_invoice_ach",
        "freshbooks_invoice_ach",
        "wave_invoice_ach",
        "xero_invoice_ach",
        "xero_bank_transfer",
        "gocardless_ach_debit",
        "zoho_payments_ach_debit",
        "bill_com_invoice_ach",
        "honeybook_invoice_ach",
        "bonsai_invoice_ach",
        "jobber_invoice_ach",
        "housecall_pro_invoice_ach",
        "melio_ach",
        "stripe_ach",
        "helcim_ach",
        "square_ach",
        "paypal_ach",
        "zelle_business",
        "wise_business_bank",
        "payoneer_bank",
        "venmo_business",
        "cash_app_business",
        "paypal_gs",
        "square_card_online_square_plus",
        "squarespace_payments_card_online_core",
        "squarespace_payments_card_in_person_core"
      ],
      "type": "string",
      "description": "Route id, e.g. stripe_card, paypal_checkout, venmo_business"
    },
    "amount": {
      "type": "number",
      "description": "Payment amount in USD",
      "exclusiveMinimum": 0
    },
    "extras": {
      "type": "string",
      "maxLength": 200,
      "description": "Anything the statement says about the fee, e.g. 'international card', 'promo rate'. Not stored."
    },
    "charged_on": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
      "description": "YYYY-MM-DD"
    },
    "fee_charged": {
      "type": "number",
      "description": "Fee the provider took on that payment, USD"
    }
  }
}

watch_routes — Watch routes

Advertised by the server during the last successful anonymous check.

Tell PaidRouter which routes the owner uses (e.g. stripe_card, paypal_checkout, venmo_business, or a corridor like USD->MXN). From then on, any PaidRouter answer to this key starts with 'Since your last call, routes you watch changed: ...' when a fee or the best FX provider moved. Optionally give an https webhook_url: when the daily check finds a change on a watched route, PaidRouter POSTs {event: 'fee_changes', changes: [...]} to it, signed with HMAC-SHA256 of the raw body using your PaidRouter key as the secret, hex in the x-paidrouter-signature header (sha256=...). Each call replaces the list; send an empty list to stop watching. Up to 50 routes.

watch_routes input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "routes"
  ],
  "properties": {
    "routes": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "maxItems": 50,
      "description": "Route ids (stripe_card), platform/method (stripe/card_online) or corridors (USD->MXN)"
    },
    "webhook_url": {
      "type": "string",
      "format": "uri",
      "description": "https URL to POST changes to (optional)"
    }
  }
}

request_route — Request coverage

Advertised by the server during the last successful anonymous check.

When the owner needs a provider, method, country or corridor PaidRouter doesn't cover yet (get_fees came back empty, or compare_send_money doesn't know the corridor), send what they need. PaidRouter records it, counts it on https://paidrouter.com/coverage, and adds the most-requested coverage every week with the date. Returns what is covered today that comes closest.

request_route input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "what"
  ],
  "properties": {
    "kind": {
      "enum": [
        "receive",
        "pay",
        "send",
        "withdraw",
        "marketplace",
        "other"
      ],
      "type": "string",
      "description": "What the owner is trying to do"
    },
    "note": {
      "type": "string",
      "maxLength": 300,
      "description": "Anything that helps, e.g. the amount or how often"
    },
    "what": {
      "type": "string",
      "maxLength": 120,
      "minLength": 2,
      "description": "Provider, method or corridor, e.g. 'QuickBooks Payments', 'Wise → Philippines', 'paying a supplier by ACH', 'GBP receiving'"
    },
    "country": {
      "type": "string",
      "maxLength": 60,
      "description": "Country or currency involved, if any"
    }
  }
}

route_it_for_me — Route it for me

Advertised by the server during the last successful anonymous check.

Ask PaidRouter to set up the cheapest route for the owner's real payments instead of just reporting it. Not live yet: this records the request on the routing waitlist (with the owner's email only if they agreed) and tells you what the owner can do today. Call it when the owner says 'just switch me' or 'do it for me'.

route_it_for_me input schema

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "amount": {
      "type": "number",
      "exclusiveMinimum": 0
    },
    "owner_email": {
      "type": "string",
      "format": "email",
      "pattern": "^(?:[A-Za-z0-9_'+\\-]+\\.)*[A-Za-z0-9_'+\\-]*[A-Za-z0-9_+-]@(?:[A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$",
      "description": "Only with the owner's permission"
    },
    "how_paid_now": {
      "type": "string",
      "description": "e.g. 'PayPal Checkout on invoices'"
    }
  }
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks: 1 of 1 (100%)
Average latency: 431 ms
95th percentile latency: 431 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

Nov 1, 2026, 8:34 AM UTC · probe · passed · 431 ms · metadata changed · 9 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http paidrouter-mcp https://paidrouter.com/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add paidrouter-mcp --url https://paidrouter.com/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable paidrouter-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "paidrouter-mcp": {
      "url": "https://paidrouter.com/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "paidrouter-mcp": {
      "type": "streamableHttp",
      "url": "https://paidrouter.com/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start paidrouter-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "paidrouter-mcp": {
      "type": "http",
      "url": "https://paidrouter.com/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http paidrouter-mcp https://paidrouter.com/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "paidrouter-mcp": {
      "url": "https://paidrouter.com/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "paidrouter-mcp": {
      "serverUrl": "https://paidrouter.com/mcp"
    }
  }
}

Let your agent find its tools

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Connect Koskamo Explore workflows

Do you run PaidRouter MCP?

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