Agent Payments (MCP)

Agent Payments Infrastructure

Financial infrastructure for autonomous agents.

Agent-compatible financial infrastructure

Orangepill provides a Model Context Protocol (MCP) server that exposes financial capabilities to agents with strict policies and preflight checks.

Discover products and quote payments
Initiate purchases with idempotency and audit trails
Read wallet balances and ledger history safely

Production-grade financial infrastructure

Built for fintech scale with secure orchestration and developer-first APIs.

API-first platformEvent-driven architectureMulti-rail payments

MCP server overview

The MCP server is identified as orangepill-payments-mcp and uses mcp_session_token authentication, with optional OAuth for user-bound agents.

Sessions include tenant_id, project_id, agent_id, and policy_id to enforce strict multi-tenant security.

MCP identity

Server: orangepill-payments-mcp
Auth: mcp_session_token
Optional: OAuth for user-bound agents

MCP tool groups

Discovery & Quoting

Safe operations with no financial side effects.

catalog_searchcatalog_get_productcheckout_quoterisk_preflight

Purchase & Settlement

Core commerce operations, with settlement typically system-triggered.

order_createcheckout_initiatepayment_getorder_getorder_settle

Wallet & Balance Access

Read-only balance visibility by default.

wallet_get_balanceswallet_get_voucher_serialsledger_get_journalledger_list_entries

Admin & Inventory Tools

Privileged actions requiring elevated scopes.

voucher_mint_inventoryvoucher_inventory_getvoucher_redeem

MCP tool design principles

Small tool surface with strict validation
Idempotency keys for side effects
Reason field required for audit logs
Optional dry_run support

Tool schema example

{
  "name": "order_create",
  "inputSchema": {
    "required": ["items", "currency", "idempotencyKey", "reason"]
  }
}

Risk preflight sandbox

Before any financial action, agents call risk_preflight to receive an allowed, requires_review, or blocked response.

Example agent flow

catalog_search

checkout_quote

risk_preflight

order_create

checkout_initiate

payment confirmation

Agent policies

Agents operate under AgentIdentity and AgentPolicy with spend limits, merchant allowlists, and risk controls.

Policy constraints

Allowed operations
Spend limits
Merchant allowlists
Risk controls

Agent conversation

Find tickets for the event tonight.

I found a ticket available for 50,000 COP.

catalog_search

{
  "tool": "catalog_search",
  "query": "event ticket"
}

Agent discovers a product without financial side effects.

Bre-BCardWallet

Infrastructure flow

Agent

MCP server

Orangepill Financial OS

Financial Rails

Agents never call payment rails directly. Orangepill MCP enforces policies, preflight checks, and safe orchestration.

Developer example

Agents discover products, create orders, and initiate checkout through MCP tools.

MCP usage

const quote = await mcp.checkout_quote({
  product_id: "ticket-123",
  currency: "COP"
})

const order = await mcp.order_create({
  items: [{ product_id: "ticket-123" }],
  currency: "COP",
  idempotencyKey: "order-123",
  reason: "user purchase"
})

Infrastructure for Agent Commerce

Orangepill allows applications to safely delegate financial actions to agents without exposing payment rails directly. Use MCP to enable agent-driven commerce with policy enforcement and auditability.

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