Razorpay MCP
In one line: Let your UnleashX agent look up payments and orders, create payment links and orders, issue refunds, and manage subscriptions in your Razorpay account.
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| Category | Payments |
| Authentication | API Key (key_id + key_secret, used as Basic auth) |
| Setup time | ~5 minutes |
| Difficulty | Easy |
| Best for | Businesses collecting payments in India (and supported currencies) that want their agent to check payment status, send payment links, refund customers, or manage recurring billing. |
1. Overview
Razorpay is a payments platform widely used across India to accept card, UPI, netbanking, and wallet payments. It also handles orders, refunds, shareable payment links, recurring subscriptions and plans, and settlements (the money paid out to your bank account).
Once you connect Razorpay to UnleashX, your agent can act on your live payment data. It can tell a caller whether their payment went through, generate and send a payment link mid-conversation, refund a charge, create or cancel a subscription, or pull up settlement reports — without you logging into the Razorpay Dashboard.
Connecting Razorpay to UnleashX is ideal for support and sales workflows: the agent answers “did my payment succeed?”, collects money on the spot via a link, and handles billing changes, all using your real Razorpay account. Sensitive details such as full card numbers, emails, and phone numbers are automatically redacted in responses.
2. What you’ll need
- A Razorpay account with Dashboard access (dashboard.razorpay.com).
- Permission to view Settings → API Keys (typically an Admin / Owner role).
- Your API Key ID (
key_id) and API Key Secret (key_secret).
- A decision on Test mode vs Live mode — each has its own separate key pair.
If you don’t have admin access, ask a Razorpay account admin to generate an API key pair for you. Connecting only needs the key_id and key_secret.
3. Get your credentials
Razorpay MCP authenticates with your API Key ID and API Key Secret. These are combined into an HTTP Basic auth credential (key_id:key_secret) and sent with every request.
Open API Keys in the Dashboard
Log in to the Razorpay Dashboard and go to Settings → API Keys. Choose Test mode or Live mode at the top first — keys differ per mode. Generate a key pair
Click Generate Key (or Generate Test Key). Razorpay creates a Key ID (starts with rzp_test_ or rzp_live_) and a Key Secret.
Copy the Key Secret immediately
The Key Secret is shown only once, right after generation. Copy and store it securely now. If you lose it, you’ll have to regenerate the key pair (which invalidates the old one).
Permissions this key grants UnleashX
| Capability | Why UnleashX needs it |
|---|
| Read payments / orders / refunds | Check status and details to answer customer questions. |
| Create orders & payment links | Collect money during a conversation. |
| Create refunds | Refund customers (full or partial) on request. |
| Manage customers | Create customers and attach billing/shipping addresses. |
| Manage subscriptions & plans | Create, update, pause, resume, or cancel recurring billing. |
| Read settlements & reports | Reconcile payouts to your bank account. |
Razorpay API keys are account-wide and are not scoped to specific permissions. Use a Test mode key while building, and switch to Live mode only when you’re ready to move real money.
4. Connect on UnleashX
Open your agent
Sign in at tryunleashx.com and open the agent you want to give Razorpay access to. Go to Data Connectors
Open Data Connectors and find Razorpay in the list.
Connect
Click Connect / Add / Configure, then paste your Key ID and Key Secret (sent as the key-id and key-secret credentials). Authenticate once.
Confirm success
When the keys are valid, the status changes to a Connected badge. Your agent can now use the Razorpay tools below.
This server exposes 32 tools. Tools marked ⚠️ are guarded — destructive actions (refunds, cancellations, on-demand settlements) require you to confirm before they run.
Payments
| Tool name | What it does | Changes data? |
|---|
| Fetch Payment | Fetch a single payment by payment_id. | No |
| List Payments | List recent payments (default 100). | No |
| Capture Payment | Capture an authorized payment. | ✏️ Yes |
| Order Payments | List all payments made against an order. | No |
Refunds
| Tool name | What it does | Changes data? |
|---|
| Create Refund | Create a refund (full or partial). Requires confirm=True. | ⚠️ Yes |
| Fetch Refund | Fetch a refund by refund_id. | No |
| List Refunds | List all refunds across the account. | No |
| Payment Refunds | List all refunds for a specific payment. | No |
Orders
| Tool name | What it does | Changes data? |
|---|
| Create Order | Create a new order. | ✏️ Yes |
| Fetch Order | Fetch an order by order_id. | No |
| List Orders | List recent orders (default 100). | No |
Customers
| Tool name | What it does | Changes data? |
|---|
| Create Customer | Create a customer (optionally with an address). | ✏️ Yes |
| Add Customer Address | Attach an address to an existing customer. | ✏️ Yes |
| Fetch Customer | Fetch a customer by customer_id. | No |
Payment links
| Tool name | What it does | Changes data? |
|---|
| Create Payment Link | Create a shareable payment link. | ✏️ Yes |
| Fetch Payment Link | Fetch a payment link by ID. | No |
| Cancel Payment Link | Cancel a payment link. Requires confirm=True. | ⚠️ Yes |
Settlements
| Tool name | What it does | Changes data? |
|---|
| Fetch Settlement | Fetch a settlement by ID. | No |
| List Settlements | List settlements (default 100). | No |
| Create On-demand Settlement | Create an on-demand settlement (early payout). Requires confirm=True. | ✏️ Yes |
| Settlement Report | Get the combined settlement reconciliation report. | No |
Subscriptions
| Tool name | What it does | Changes data? |
|---|
| Fetch Subscription | Fetch a subscription by ID. | No |
| List Subscriptions | List subscriptions (default 100). | No |
| Create Subscription | Create a new subscription. | ✏️ Yes |
| Update Subscription | Update an existing subscription. | ✏️ Yes |
| Cancel Subscription | Cancel a subscription. Requires confirm=True. | ⚠️ Yes |
| Pause Subscription | Pause a subscription. | ⚠️ Yes |
| Resume Subscription | Resume a paused subscription. | ✏️ Yes |
Plans
| Tool name | What it does | Changes data? |
|---|
| Fetch Plan | Fetch a plan by ID. | No |
| List Plans | List plans (default 100). | No |
| Create Plan | Create a billing plan. | ✏️ Yes |
Create Refund, Cancel Payment Link, Cancel Subscription, and Create On-demand Settlement are protected. They return a preview and do not execute until they are re-invoked with confirm=True. This prevents accidental refunds, cancellations, or payouts.
6. Example usage
“Did payment pay_ NfX29kLm go through? If it did, refund it in full.”
→ Runs Fetch Payment to check status, then Create Refund (asks you to confirm before issuing the refund).
“Create a ₹1,499 payment link for this customer and text it to them.”
→ Runs Create Payment Link (amount in paise, i.e. 149900) and returns the shareable link with SMS/email notification enabled.
7. Permissions & data access
UnleashX can:
- Read payments, orders, refunds, settlements, customers, subscriptions, and plans.
- Create orders, payment links, customers, subscriptions, and plans.
- Capture payments, issue refunds, and create on-demand settlements (with confirmation).
- Update, pause, resume, and cancel subscriptions, and cancel payment links (cancellations require confirmation).
UnleashX cannot:
- See full card numbers, full email addresses, or full phone numbers — these are automatically masked/redacted in responses.
- Change your Razorpay account settings, bank details, webhooks, or KYC.
- Move money outside the actions above (e.g. it cannot transfer funds to arbitrary accounts).
How to disconnect: In your agent’s Data Connectors, open Razorpay and choose Disconnect to stop UnleashX from using the keys immediately. To fully revoke access, regenerate (or delete) the API key pair in Settings → API Keys so the old key_id/key_secret no longer work anywhere.
8. Troubleshooting
| Problem | What it means | How to fix it |
|---|
401 Unauthorized | The key_id/key_secret is missing, wrong, or was regenerated. | Reconnect with a valid key pair. Make sure you used the right mode’s keys (Test vs Live). |
403 Forbidden | The key is valid but the account/role isn’t allowed to perform that action. | Confirm the account has the feature enabled (e.g. Subscriptions, on-demand settlements) and the right role. |
| ”Re-invoke with confirm=True” | A protected action (refund / cancel / on-demand settlement) ran without confirmation. | Re-run the request and confirm — e.g. tell the agent to proceed. |
400 Bad Request on amounts | Amount was below the minimum or in the wrong unit. | Amounts are in the smallest currency unit (paise for INR). ₹100 = 10000; minimum is 100. |
| Test vs Live mismatch | An ID from Test mode is queried with Live keys (or vice versa). | Use keys from the same mode the data was created in. |
9. Frequently asked questions
Is my payment data stored by UnleashX?
No. UnleashX calls the Razorpay API on demand for each request. Card numbers, emails, and phone numbers are also redacted in the data the agent sees.
Will the agent accidentally refund or cancel something?
No. Refunds, cancellations, and on-demand settlements are guarded — they only run after you explicitly confirm, so they can’t fire by accident.
Can I test before going live?
Yes. Generate a Test mode key pair, connect that, and exercise the workflows with test data. Switch to a Live mode key only when you’re ready to handle real money.
How do I rotate my keys?
In Settings → API Keys, regenerate the key pair, then reconnect Razorpay in UnleashX with the new key_id/key_secret. The old secret stops working immediately.
10. References
