Full-stack payment SDK

Payments in natural language

Users ask the AI to send money. The SDK detects the right rail, verifies identity, and executes the payment — all within a single conversation.

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Multi-rail payment coverage

Each rail exposes standardized MCP tools that AI assistants discover automatically — no custom integration per country.

🇲🇽
SPEI
Mexico
live

Real-time interbank transfers via Banco de Mexico. CLABE validation, instant settlement, full refund support.

  • 18-digit CLABE validation
  • Instant settlement (24/7)
  • RFC/CURP support
  • Refund and reversal flows
spei_send_paymentspei_check_statusspei_request_refund
🇨🇴
PSE
Colombia
live

ACH Colombia electronic payments. NIT and CC validation, multi-bank routing, full audit trail.

  • NIT / CC validation
  • Multi-bank routing via ACH Colombia
  • Real-time status polling
  • Webhook callbacks
pse_send_paymentpse_check_statuspse_request_refund
🇧🇷
PIX
Brazil
live

Instant payments via Banco Central do Brasil. CPF, CNPJ, email, phone, and EVP key support.

  • CPF / CNPJ / email / phone / EVP keys
  • Sub-second settlement
  • QR code generation
  • DICT key lookup
pix_send_paymentpix_check_statuspix_request_refund
🇻🇪
VE Mock
Venezuela
sandbox

Configurable mock adapter for testing and demos. Simulate any payment scenario without real bank integration.

  • Configurable latency simulation
  • Error scenario injection
  • Unlimited mock volume
  • Sandbox-only (no live funds)
ve_send_paymentve_check_statusve_request_refund
Conversational 2FA

2FA inside the conversation

No pop-ups, no redirects. When a payment requires verification, the AI asks the user directly — within the same chat thread.

  1. 1

    User initiates payment

    The user asks the AI assistant to send money in natural language.

  2. 2

    SDK triggers Twilio Verify

    mcp2p sends an OTP via SMS or WhatsApp to the user's registered number.

  3. 3

    AI prompts for code

    The AI asks for the 6-digit verification code within the same chat thread.

  4. 4

    Code verified server-side

    The SDK validates the OTP against Twilio — never exposed to the AI model.

  5. 5

    Payment executes

    On successful verification, the payment is submitted and a confirmation is returned.

Developer experience

Up and running in minutes

A single TypeScript SDK wraps all rails, 2FA, and licensing. MCP tools are auto-registered — your AI assistant discovers them without extra configuration.

  • TypeScript-first with strict types
  • Zod validation on all inputs and outputs
  • Auto-registers MCP tools per licensed rail
  • Built-in error classification and retries
  • Works with Claude, GPT-4, and any MCP-compatible model
server.ts
import { createMcp2pServer } from "@mcp2p/sdk";

const server = createMcp2pServer({
  licenseKey: process.env.MCP2P_LICENSE_KEY,
  rails: ["spei", "pse", "pix"],
  twoFactor: {
    provider: "twilio",
    channel: "sms",
  },
});

server.start();
4-gate licensing

Enterprise-grade license control

Four independent validation gates prevent unauthorized usage at every layer — from build time to individual transactions.

Gate 1
Build-time

SDK refuses to compile if the license is invalid or expired.

Gate 2
Runtime

Every server start validates the license against the license server.

Gate 3
Entitlement

Each MCP tool call checks which rails and features are permitted.

Gate 4
Usage

Transaction counts are tracked; limits are enforced per billing period.

Developer dashboard

Everything you need to manage licenses, monitor usage, and audit every payment — from a single control plane.

License management

Create, rotate, and revoke license keys per environment or tenant.

Usage analytics

Real-time transaction counts, rail breakdown, and trend charts.

Audit logs

Immutable, tamper-evident log of every payment attempt and outcome.

Multi-environment

Separate sandbox and production environments with independent keys.

Ready to make payments conversational?

See how mcp2p can power AI-native payments for your bank.

Book a DemoView Documentation